-
Reasonable to delay exchange and completion?
Currently at the 7/8 week mark since having my offer accepted and beginning the conveyancing process. FTB, vendors buying a vacant property with no mortgage, so things are moving quickly and I think we will be ready to exchange and agree completion soon. Due to unforeseen circumstances, I've now got to have an operation…
-
C1(2002) Grant of Confirmation - sole (executor & beneficiary) have (will & survivor clause)
I'm wondering if anyone help me to fill in the C1 form, please ? I am a sole executor, sole beneficiary. I have will and survivor clause. My husband had no siblings. We have no children. Bank asked me to obtain Grant of Confirmation to release my late husband's fund. I filled the documents referred to Notes to help you…
-
Civil Service Pension - Alpha - Added Pension Limit explained
Hello, Please can someone explain the Added Pension Limit for the Civil Service Alpha Scheme? I have read other posts, articles, and the guidance on the scheme website but I am still utterly confused. I know the limit (in terms of value) for 2025/26 is £9200 and for 2026/27 is £9600. However: 1) How does the limit apply -…
-
Court Claim
I have a parking space included with my lease, and I own 100% of the flat. In April 2024, I changed my car and received two parking tickets from UKCPM on April 4 and 8. I didn’t appeal on time because my housing association needed to update UKCPM before I could do so. However, I mistakenly emailed UKCPM directly about the…
-
Single person cheapest way of living
What's the cheapest way to live in order to keep saving money? I would guess its as a lodger with friend or family with all bills included Although this would mean sharing facilities, maybe you would get an en suite bathroom and microwave in the room. After that I guess a self contained annexe maybe from a converted…
-
yougov.finance bribe
It's one of these almost-too-good-to-be-true stories, but it is true. First mentioned by @Bridlington1 in the Natwest Regular Saver thread, but I reckon this deserves its own thread as it could be of interest to those who have at least 10 current, credit card and savings accounts and not everyone reads the Natwest RS…
-
Looking for EV Electricity only tariff
I have looked in the Cheap Energy Club for an EV tariff, i.e. pay less over night. The results do not help very much as EV tariffs are not shown. When going to energy company sites they don't show their EV tariffs - easiest way found is to google the company with EV tariif. I currently am on Ovo with their Charge Anytime.…
-
UKPC - Parking Ticket for parking during restricted hours
I have received a parking ticket for parking during restricted hours however in my defence the parking barrier was open and the signs that state such are beyond the cameras which monitor your entrance Do I have a chance of appealing?
-
Odd international returns request
I (private seller in UK) sold an item on ebay to the USA. I posted directly via royal mail so paid both the postage and the import/tariff duty. Item was ordered on the 22nd and posted the same day. Today (24th) the buyer has opened a returns request with the reason 'ordered by mistake' which seems a little hasty as I doubt…
-
BT sending security code to wrong number
Does anyone know how many different places BT store a phone number for you ?I set my bt account ( ie on bt.com, where my personal info is ) to my main mobile number but every time I contact them about different issues they insist on sending a code to another mobile number which fortunately I still have.If I ask about it I…
-
Sofa creases
Hi forum, I bought a new leather sofa fairly recently. Over the past week, I’ve noticed that the seat which I sit on (it’s a 2 seater), has developed a couple of creases which run from the very back almost to the front of the cushion. What, if anything can I do to smooth those out? My concern is that they will worsen as…
-
DMP: 2 x CCA requests? Credit Agreement and Affordability - Is it worthwhile?
Dear All, I am now 2+ years into a DMP with Stepchange, paid off over £10K with £25K to go. Debt free date is currently June 2030. I have a total of 10 creditors of varying amounts. In regards to some of my creditors I am wondering if it is worth doing a CCA letter for two different things but would be helpful (these are…
-
First time buyer money from family abroad (for deposit) AML checks
Hi all My daughter and son in law now want to buy their first home together (currently renting) My son in laws family have offered to help with the deposit or money towards the house (around £70k) We are obviously aware of anti money laundering issues and want to ensure things don't get held up etc. Just wondered at this…
-
IHT Probate and excepted estates
I am hoping you can advise Mother passed away 2023 will left all to her husband. 300k house jointly owned and father also has 110k in normal bank account and 12k in shares. Gifts may be below allowances. We will have to go through 7 years statements and bank stubs to check. We had to use our Amazon for all needs and goods…
-
App or website where you can view all your accounts?
Hi, I'm looking for a WebApp or Mobile App (iPhone) where you can see all your balances in one place. I've got Cheddar but it is not working with First Direct, M&S and MBNA. I don't mind paying a few quid a month for good insights. Thanks, Al
-
P800 for 2024/2025
Has anyone had their PAYE tax calculation for 2024/2025? My 2023/2024 tax calculation appeared in my personal tax account online on 20 January 2025. I am aware that they appear to have a permanent backlog but was wondering if there was any chance of mine being completed this year. Their message online says June to October…
-
Mortgage got 31 months left but need new rate.
So my mortgage has only just over 3 and half years left til its paid. But my current deal ends in 6 months. Is it worth remortgaging or should I just fix with current provider? But if I fix with current, their offers are for 2 year or 3 year, so how would that work?
-
Finding a builder
I'm trying to find a builder to do an extension on the back of my property and I'm not having much luck. The planner said he has a builder who can do it for me and he's been out and given me a quote which seems about right. The only problem I have is the guy doesn't have any reviews anywhere so I'm really not sure what to…
-
How hot do loft conversion bedrooms get in the summer?
I know this is going to vary from conversion to conversion but the EPC rating shows it as WallSolid brick, with external insulationGoodRoofRoof room(s), insulatedGoodWindowFully double glazedGood The bedroom has 2 large skylights and one small normal upvc window. In the summer the sun would be directly overhead shining…
-
Have you received Cynergy's notification of rate reductions
Cynergy have recently advised some savers that they are reducing the rates on issues 68 and 69 of their easy access accounts. Although some have received this email, others (myself and Mum included) have not. I have not seen a poll on this forum before so thought I'd give it a go.As Cynergy only have to notify you if the…
