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100 LTV with recently finished IVA
Anyone know if there's a mortgage product to suit this scenario please? No deposit so 100% LTV required Sole applicant that has just completed an IVA via full and final settlement Mortgage free house owner guarantor available
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EasyJet travel insurance via Collinson Insurance
Any help would be grateful. On Sunday 20/07/2025 my flight from Bristol to Copenhagen
was cancelled by Easyjet. Flight Number: EZY2931 This was after delays at the airport. (We were off for a short five night trip) When I did the Easyjet booking I took out their travel
insurance, thinking I would be covered for events like…
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MTD - change year end or too late?
I have already submitted using MTD and am a tad confused. My year end is 31 December so I think I am will always need to resubmit the return after 31 December each year. Assuming that is correct, and as I already submit vat returns using MTD, would it be better and less confusing if I changed our year end date to 31 March…
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ParkingEye PCN -paid for 5h parking - overstayed 14 minutes-POPLA rejected-what next ?
Hi all I’ve just come across this forum and really wish I’d found it sooner. I’ve already gone through the ParkingEye and POPLA appeals process, but I feel like I’ve been unfairly treated, and now I’m not sure what to do next. I’d really appreciate some advice from the experts here on what steps I should take now. I parked…
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ESA / UC Managed Migration and New-Style ESA
After receiving a migration notice (ESA / HB) I applied for UC on 21 May 2025. My ESA was made up on both income-related and contributory ESA. In addition I also received Housing Benefit. My migration went through without a problem, and I now get Universal Credit instead of the income-related part of ESA and Housing…
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Advice needed for DCB Legal - Letter of Claim
Hi all. I received a letter of claim for a parking ticket I received almost a year ago. I have read through the newbies thread and am just getting my email from post 2 ready to send. In order to make sure I do everything at the most opportune moment in the process I would kindly ask for some advice. I appreciate you get…
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HSBC Currency Account Exorbitant Fees
Hi all, has anyone else had this issue? I set up a EURO HSBC current account to receive and pay Euros within the EU because their website says they don't charge any fees on these Euro transfers. Today I transferred 10,000 Euros from my HSBC euro account to my FX trading account held with The Currency Cloud (a UK Euro bank…
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Estimated income for tax code
Good morning i contribute to my pension via my salary which comes out gross. i need to update my estimated income in HMRC and wondered what do you put in? do I put my income gross before any pension deductions or do I put my income after my pension deductions?
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My Mortgage Free Mountain - A 7 year expedition to climb to the top
OH and I are in a
position where we will be able to repay the mortgage on our own home either at
the end of this year or in Jan 2023 thanks to an insurance claim we have been
waiting to pay out for several months. However we also have 3
BTL mortgages which need to be cleared and our big dream is to clear them all
before my…
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Gov launching pension age review
https://news.sky.com/story/government-to-conduct-early-review-into-state-pension-age-13399571 Here we go… as long as they don’t touch the upcoming in 2028 change to age 57 for SIPP access rule I don’t care what they do with the state pension age… but appreciate others might. “Government revives landmark Pensions…
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Which CC to pay first to improve credit rating.
I have 4K to pay off some debt and looking to improve my credit rating. How can I do this? thank you. Balances and interest rates: £1725 - 33.9% £891 - 26.9% £7,510 - 26.9% £5000 - 24.9%
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House insurance in NI
For each of the last 2 years, our house insurance has doubled in price despite no claims. I do price around but not really getting anything much cheaper. Just wondering if others are seeing similar increases (just over £500 last year to over £1000 this year) in house insurance prices? Is it something that is happening…
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Resolve Call Home visit
Hi, this morning I had a visit from a resolve call agent. This is apparently in relation to a very old (over 20 years) HSBC unsecured loan - I did not acknowledge any debt - just told him I had no idea what it was, and he couldn't give me any more details and that I would need to call Capquest - which he offered to do…
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First Direct via Topcashback £60
Topcashback are offering £60 if you open or switch to a First Direct current account.I dont currently have a First Direct account but did have some years ago (received bonus for switching then)I wont be eligible for the Frist Direct switching offer, but do you think i would be eligible for the TCB if i opened a FD…
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Blinds for patio / sliding doors?
So I've had a look here https://www.leamingtonblinds.co.uk/news/the-best-blinds-for-sliding-glass-doors-and-patio-windows/ And I'm not sure what's perhaps best for a patio door ie: I could have a perfect fit blinds and one could have the blinds "shaded" even if you open the door to slide it and it's more visually appealing…
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Pension plan has a financial advisor company listed
One of my pensions is an old Allied Dunbar now Zurich plan and its not been active with any new money for 20 years. I recently logged on and changed my planned retirement age and the email acknowledgement says a copy of the request has been sent to '<name> Independent Financial Services Limited' My annual statements and…
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HMRC & UFPLS
Hi Everyone A while since I last posted (although still watching/learning) I have now been retired 1 year - woohoo 65 years old been living off DB Pension and Voluntary redundancy (last financial year) DB is £8036 gross I will, within the next couple of months be with drawing my 1st UFPLS payment from Aviva of £6044 Aimed…
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PatPat - returns issues
I don’t usually order from sites like PatPat but on this occasion I did (& never again!!). I ordered some options to try & return the ones I didn’t keep. Turns out they only have returns centres in Italy, USA and China. They expect the buyer to pay return shipping fee. I paid to ship the return to Italy. Much back & forth…
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Ebay says my parcel is dispatched but it isn't
I sold an item yesterday which I had quoted for postage but the postage was ignored and ebays delivery was paid for by buyer. I had a look at the details yesterday but didn't down load a QR code. Today I have been packing up the item but now it says I have dispatched it. Is there anyway to change the status back to not…
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Putting a rental property into a Ltd Company.
Hi all, im moving home (main residence) but have a rental property with no mortgage that i want to keep. The rental is currently worth about 180k, far far lower than the new main residence I'm purchasing.. 1-will I have to pay the higher rate stamp duty as a result of owning 2 houses? Which i technically can't claim back?…
