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Leasehold residential tenant subject to asset protection train track boundary
Looking for specialist advice relating to asset protection orders on leasehold residential property. Very close proximity to overhead traintrack lines busy lines and freight train activity. Tenant of almost 10 years. Restrictions on title. Devaluation Extremely close brick to boundary fence 3 meters Unregistered land…
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Active line switch from Sky to Virgin
I'm in the process of switching my broadband provider from Sky to Virgin. When completing the online order with Virgin they gave me the option of them telling my current provider (Sky)about the switch. In terms of accurate billing as Virgin run a seperate connection to the Openreach network how will Sky know when my…
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SMART PARKING, DCB LEGAL court claim with local court
I am being pursued for parking despite having paid for parking on the day in question.On 02/08/21, I attempted to purchase a parking ticket while on holiday with my family, including young children. The car park was extremely busy, with long queues at the payment machines. I successfully purchased a ticket; however, the…
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help me do a will
Hello Hope you are all well. How do you go about finding solicitor to write will and do POA I realise its free will writing month but happy to pay. We want mirror wills and POA sorting and we want to keep the wills at home. Is there an association that we can check for a local accredited one? I did a quick search on MSE…
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Slow leak from central heating
Hi all, I have a slow leak from my central heating. I can tell this because the pressure on the combined boiler falls slowly. Originally I thought it was the combi boiler, and the gas engineer came out, replaced the overflow valve and then tested the system by running it at 70 degrees (May have been higher) and then tested…
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to set fixed now or wait
I am in a fixed plan that ends 04/04/2026. My problem is that I dont know whether to fix now with a different company (I'm currently with Octopus ) or wait until they bring out their new prices which they say will be at the end of March (ish). I COULD have set up a fixed rate plan with British Gas last week at 14% below ..…
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Calculating historic unused allowance with NHS pension
Hi All, I'd like to put some money into a SIPP using my unused allowance from previous years. Can anyone direct me to a guide for how to do this? I have (after much faffing) got hold of my pension savings statement from NHSBSA but I am unsure how to use these figures. Thanks in advance, Thomas
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The AI Pension Advisers are here
https://www.ft.com/content/a16bbdf4-a8c9-4fb2-b61e-e83bb5bfa11b Interesting article in today's weekend FT about the use of AI chatbots such as ChatGPT as virtual AI financial retirement advisors. Just wondered what proportion of IFAs on this forum include the use AI as one of their planning tools?
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Passing a Landlord Reference Check
Good afternoon, Does anyone know what information a prospective letting agent can see on a credit check for a new property. I am thinking of moving, earn enough with my partner to cover the rent and have good standing with my current letting agents. I do, however, have a very poor credit score due a currently running DMP,…
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Completing probate online
I have just sent FIL inheritance tax forms off and know I can’t apply for probate until I receive a code number from HMRC . Can I start the probate forms online and save them so that once I get the code I am all ready to apply. Thank you
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Making 2026 a debt busting year
Hi all So, DH and I have been in debt for years, mostly credit cards, and decided to make a real effort last year to start to clear them. The aim is to have them all paid off by the end of 2027. We have no mortgage but do have a loan for some for some work on the house which will be cleared in April 2028. We started 2025…
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Due date vs Paid date for contributions
Hopefully an easy one to answer please… I'm working out the maximum SIPP contribution for my wife this FY, so looking at her company pension contributions (salary sacrifice so all EEs). The contributions have a 'Due' date, and a 'Paid' date, and for April 25 these straddle the start of the FY, with payment 'Due' 1/4/25 but…
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ANOTHER notice in the SAME CP - this time its non-display due to 'flipped' ticket
So my sister found a windscreen notice because of non display of a valid ticket or permit: (to be scanned and uploaded) Reason - the ticket had flipped over https://drive.google.com/file/d/10WcAB82UNeDZiseQiKCsCVUvO1PD9iWZ/view?usp=sharing She immediately appealed (unbeknown to me!)…
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Starting (again). My mortgage-free journey took a detour
I am re-stating a diary of sorts because I feel I am at a genuine fork in the road and this type of diary really helped me early on when I was just starting my MFW journey years ago. In summer 2025 I was around five to six years away from being mortgage free. That was based on regular overpayments and the possibility of…
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Should I sell my gold
Hello I have a solid gold necklace that was valued at 8k. Having looked at the price of gold today it's much higher. I rang the place who have now increased the value to £9,200 and will buy it from me today at that. Rang a few others to check and it's the same offer. I have kept the necklace as in my head it's been money…
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Quilter Platform unavailable?
Hi, I just wondered if any other Quilter platform users where able to access the platform at the moment? Despite not finding ANY indication that the platform is down for maintenance, it appears to be unavailable. The URL I'm presented with when navigating through the Quilter home page to login is:…
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Mortgage free mayhem
Hi everyone! Really excited to track my mortgage-free journey at 52. Before becoming a uni lecturer this year, I've worked in charities my whole life. I've got a pension of £60K, an easy-access savings pot of £3000, and a mortgage of £84206. I want to see how quickly I can pay off the mortgage with my new higher income.…
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6 months for write off decision - too long?
I submitted a debt write off request to Link Financial back in January, with full supporting evidence including a DMHEF, police report, specialist counselling letter and details of the abuse I went through that led to the debt in question. It’s now mid June, so six months later, and I still haven’t had a decision. I’ve…
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Need advice for my mum
Hi everyone Really need advice for my mum who is not sure what to do and I wish I could help her but I can't , my mum is in need of a new recliner chair which she uses as her bed due to a medical problem with nerves in her ribs she can't sleep in a normal bed and can't afford a special adjustable bed and unfortunately…
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Composite Door
Hi, I am looking for advise. I had a new composite door and frame installed in January 2025. Unfortunately since installation we have had a draft coming through where the door latch is. We have had our fitter out several times and the manufacturers out a few time's to no avail. In September 2025 I was told that the…
