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Sashybo - Back Again
Hi all, has been a good long while this time since I've had a diary, think this is number 4 overall. My last diary can be found HERE. Current debt now under 10K. :j This is mostly made up of loans we had to take out to cover the negative equity of the flat we sold a couple of years ago. I must admit we have slipped…
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X-O (Jarvis) online platform to close in the summer
Most accounts (including ISA accounts) to transfer to Interactive Investor. Information here:- https://www.x-o.co.uk/faq.pdf
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Smart Meter (gas) not working
A few years ago my energy supplier was Shell. Whilst with them I had smart meters (both gas and electric) installed. Shell gave all their business to Octopus. I rarely look at the smart meter gadget that tells me the usage. However from the monthly bills I noticed that I was getting further and further into credit. This I…
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MONEYBOX ISA - any advice on where to transfer to?
Hi, I opened a Moneybox ISA a year ago and the rate is dropping. I looked to transfer it to Cynergy but they will not take a transfer in from Moneybox as they (Moneybox) do not give their ISA accounts account numbers or sort codes. They use your NI number instead. When I tried to open a Cynergy account and said I would…
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Short-term money market fund versus ETF
Looking to park around 200,000 for opportunistic trading, maybe 3 to 5 trades per month. If the platform fees are equal, do you think the slight leakage of an ETF in the bid/ask is less cost than the days out of the market using a fund. is it possible to model this using data over the last 12 months of say CSH2 vs Royal…
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Advice on financial advice!
Hi all So I am 42, with a mortgage, live alone, no kids, a secure job which has a good pension (relatively speaking), earning above average wage. But I am not in the higher tax bracket, I do not have a posh car or a huge amount of outgoings. I am increasing my mortgage so I could improve my home (kitchen and bathroom).. I…
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PCN from Premier Park - advice on what detail to include in appeal
I’ve read the Newbies thread and have a question about Plan
B. In the advice it says “You can (carefully!) add a little to
the template above, 'in order to resolve the dispute I attach copies of...': - the driver's receipts/bank transactions (or Hospital
Appointment/Hotel booking, etc.) that day as 'they' were a…
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Claiming free nursery hours for next tax year when ineligible this year
Hello! First time posting here... We have an 22 month year old in nursery and we are ineligible for free hours as over £100k. However next year, I am going on mat leave so we "should" get the funding when the new tax year starts in April.But when you fill out the UK Gov form online it asked if you are earning too much THIS…
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Dont Understand
Hi people. Hoping someone can explain this for me. I currently have 3 credit cards, one with Lloyds, one with MBNA and one with Barclaycard. My credit limit on all 3 cards is good and I am no where near the limits. The Lloyds has an outstanding balance of £3.500, MBNA £1875 and Barclaycard £2,800. I would like to transfer…
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Driving Licence renewal photo
I need to renew my driving licence by the end of the month. However the website insists I have a new photo done as my passport has expired and as I'm not planning on going abroad anytime soon I'm not bothered about renewing it. After several attempts to take the photo myself (none of which were accepted) I've just bitten…
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Eon billing me when I have a prepayment meter
Hi, I bought a holiday home on 15th December 25, was told the prepayment key meter was with Ovo in all the paperwork, even called the Estate Agent to ask the previous owner and was told it was with Ovo. Spent 5 hours on the phone to Ovo, who told me my electric was with Octopus, Octopus told me my electric was with Eon,…
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Carers allowance expenses sheet vs AMAP mileage
Hello, i am self employed and sent 24/25 tax return with CA claim. They got back to me with a table to fill in with business vs personal expenses. I use AMAP rates for delivery work, and not sure how to fill it in. Situation is complicated - 2 cars used partly for business partly personal, and personal is between me &…
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SMI ..Council Tax !
There's no forums on this so it appears it's one of the Local Councils hidden items. As I've just found out after 20 years. SMI: severe mental impairment you can claim Council Tax full rebate. If you have Severe mental impairment ie: paranoid pyschophrenia, and similar you just have to contact Council tax SMI dept and they…
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S+S ISA for house deposit
Hi all would be interested to hear any comments/advice on this My daughter has about £20k in a S+S ISA , about £15k in the bank savings (not isa) and has a LISA which again is about £15k and is maxing that out every year - so about £50k in total. She is hoping to move out and buy her first home in 3 years . My query is ,…
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Trying to track down investments with Royal Life Fund Management Limited on behalf of my mother
Hi All, I am trying to help my mother track down investments that she has lost track of. These accounts will have been dormant for many, many years. It looks like she had holdings in: · Royal Life International Speculative Trust · Royal Life Cautionary Trust · Royal Life Growth Trust Companies House has Royal Life Fund…
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Anyone else taking Lionbridge Exam next week?
If so, could you contact me? :D
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Hargreaves Lansdown New Fee Structure
Just had a "Our charges are changing" email from Hargreaves Lansdown. Changes kick in 1st March. Positives are: Management fee is dropping from 0.45% to 0.35% Trading Fees dropping from £11.95 to £6.95 Negatives: New charge of £1.95 to trade funds - was zero Cap on fees for shares up from £45 to £150. I'm going £105 worse…
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MS Money replacement.
Hi all, I am seeking a PC-based personal finance system to log my incoming and outgoing. I currently use MS Money, I love it, but it won't last forever. Does anyone have any suggestions?? I want to move my MS Money history to it,
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DWP paid deceased pension into joint acount - advice needed
I'm caring for an elderly, recently widowed relative. DWP have continued paying her husbands pension into their joint account despite being informed of the death. They're now asking for over £600 back which would wipe out a large chunk of her account as she doesn't have much. This lady is struggling with confusion and…
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PCM Parking Charge - In own parking space
Hi, My daughter has picked up a couple of PCNs from PCM whilst parking in her own bay in a block of flats she lets. I am the registered keeper and only became aware of it following receipt of Notice to Keeper. She's very much into surprises! I appealed online before finding this forum and have had my initial appeal…
