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Warning: TravelFX is NOT FCA Authorised – TravelMoneyMax listing appears misleading
I want to flag something important about TravelFX that I think other users should be aware of before using them. I originally chose TravelFX because they appear on the TravelMoneyMax comparison tool and are shown as: That label was a major factor in my decision, as it suggests regulatory oversight and consumer protection.…
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No Heat or Hot Water- No Contractor attending with home emergency cover.
Hi, Our unvented system boiler has not been working since yester evening. We have Sainsburys insurance home emergency cover. This is covered by Davies Group who said someone would attend this morning from Aquilo Facilities by 11am. Nobody turned up so I have contacted Aquilo who said they have not accepted this job…
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Consolidating Mortgages
Hello. We currently have a BTL and a Holiday Let property, both with mortgages. I've worked out that if I were to shift the Holiday Let borrowing into the BTL I would save £300 a month. BTL mortgage is £150k. House value is £500k. Rental income is £1850 per month. We've had the mortgage for 7 years. Lender is Santander…
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Delivery protection Fee
I am 76
years old, partially sighted and not comfortable with shopping online. I placed
an order with Debenhams, who I thought were reputable. It was only when a
confirmation e-mail came that I saw they had charged me an order protection fee
of £8.49. Apparently there is a box already ticked by the site agreeing to…
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Barclays mortgage renewal with arrears
Hello :) *Just to preface - I have autism and sometimes struggle with auditory processing which Barclays are aware of - I've tried to include as much relevant info as possible below* I am just looking for some advice/guidance please. I am nearing the end of a 5 year fixed mortgage with Barclays at 2.27% which is due on…
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Shawbrook Bank , Really?
I tried to open an Easy Access Bonus Account Online, with my wife which was shown on MSE. We filled in the form and had an email back saying it was received and Shawbrook Bank would be in touch within 5 days. Nine days later I called them to ask what was happening? After giving the Application reference number and my…
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Buying used cars now
Hello, Keen for some thoughts please. I have a 13 year old car, a bit battered on the outside but a decent drive. My plan was always to run it into the ground before thinking of another. But, I had my first big(ish) garage bill and expect that at some point I'll need to replace brake pads, timing belt and tyres etc. So…
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Boiler Juice.
Hi,any advice on the following??..thanks in advance. NNew years eve,2025,I dip tested the heating oil tank.Its a 1000l tank,tall and thin.There was just under half,about 4-450l.This is my normal re order point.On the 4th I ordered via Boiler juice.Onbthe 5th I recieved a "delivery".I saw the lorry,and the driver.A week…
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Flight cancelled by EasyJet and Travel Insurance Declined my claim.
After over a 2 hour delay EasyJet cancelled my flight from Manchester to Paris, this was a trip to Disneyland with our son. We received a refund from the airline and have tried to claim the rest back with are travel insurance, we are still owed over £1000. The travel insurance has declined are claim after waiting 6 weeks…
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Mystery of dead Bluebottles
In 2021 the cottage got a rat problem which was solved by Rentokil, we all guessed that the rats had been accessing the roof space from outside, and descending chimneys to get food from the kitchen (guessed this because of locations of rat droppings). During the rat infestation and after Rentokil dealing with them,…
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Complex Law
Hi, I had clicked on one of those ads for PCP commission claims with a company called Complex Law and registered in January 2025. Since then i had become aware that there was no need to engage with one of these companies and that the car finance company would contact me direct, which they have. Out of the blue in January…
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Credit Card debt issues
Hi all not quite sure where to put this post as it crosses different category's. I usually flip my CC's every 12 months from one promotional rate to another just paying off the minimum payment as its all i can afford with having 2 teenage lads now swinging the hinges off the fridge on a daily basis and the cost of living.…
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Confirmation
Our mum died recently, my sister and I are the only beneficiaries and are both executers. My mum moved in with my sister recently due to ill health and died shortly after. My sister became joint account holder on my mum's current and savings accounts when she moved in. I was happy with this as there are no trust issues. We…
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Help with consumer rights - company not responding, next steps?
Hi all, first post here (been using the app/emails for a while though) so 🖐️ and thanks to everyone involved. I purchased four sets of LED lights from a website Vauscher (they were advertised on social media) which I wanted to return as I felt they were not as described or of satisfactory quality. They were all set at…
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ii SIPP - taking first Tax Free Lump Sum
Planning on taking a PCLS (pension commencement lump sum) from my SIPP. What is not clear to me is if I need to sell some of one or more of my investments first in order to have cash available for the withdrawal. I walked through the process expecting to be asked what should be sold to release the lump sum cash, but I…
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What's the point of the YBS app?
Yorkshire Building Society keeps nagging me to get their app, but what can you do on it that you can't do with a browser? For example, they've just sent me this, which at first implies that you can see all your interest for last tax year 'all in one secure view' but it then goes on to say you have to select your account.…
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SEIS and Self-Assessment
I'm struggling with the SEIS3 claim form, where I'm trying to claim re-investment relief on a gain which I've re-invested into SEIS funds. From what I understand, when I calculate a gain for CGT purposes I pool the shares together and calculate the gain against the pooled cost. So each year I add acquisitions to the pool…
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Renting out my house air b & b
I am looking to rent out my own house air b & b and am looking for any websites with advice on what is required etc.
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Tapered gifting
400k Cash + House 350k (left to child) = 750k total 325k plus 175k RNRB = 500k threshold before IHT So want to potentially gift 250k and get that total down to
500k Tapered relief doesn’t kick in until you gift over 325k? Or does it now mean it doesn’t kick in until
over 500k? (because of the RNRB)
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SWITCHING BANKS & CLOSING UNUSED CREDIT CARDS: IMPACT ON CREDIT SCORE
Continuing my efforts to be more ethical with my finances, I did the Nationwide switch after 17 years with NatWest and am expecting my good credit score to take a bit of a dive. That was my longest financial relationship in fact. Having switched banks (+ the 2 savings accounts I had there), the only other thing I want to…
