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Flexible ISA confusion
If I deposit £20,000 in to a flexible cash ISA during tax year 25/26 and then deposit £10,000 in the next tax year 26/27 and then withdraw the full £30000 during that tax year to put into a savers account elsewhere can I put the full £30000 back into the flexible cash isa before the end of that tax year? Also, does it…
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Determining end date for administration period - help needed...
I am in the midst of drafting a "informal arrangements" letter to HMRC for the tax due for a simple estate. I understand that the administration period started the day after my father passed away. However, I am struggling to work out what to specify as the end date of the administration period in the informal arrangements…
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Am I being unreasonable? I think partner should do more household chores. Help!
Long term lurker :) I am looking for some help please. Thanks. TLDR : Am I being unreasonable in expecting my partner to do more in the house. He works from home part time. I'm not working due ill health, but do at least 80 per cent of the housework. He refuses to take on more responsibility but moans we don't spend…
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JSA - 4 week wait for initial interview
Hello, So on Friday 21st I became aware that my employer had filed for administration, we were told to come to work on the Monday, got there sent home and told you won't be getting paid on Friday as planned. On the Friday the administrators advised we were all being made redundant. So I registered on line for JSA that day…
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Death in Service 18-25 Trust
I wonder if anyone could clarify this for me. My sister recently passed away and I am executor. Her will also appoints me as Trustee in respect of her estate with her 19 year old son inheriting a residual cash sum - I am the Trustee for that until he is aged 25 as per the Will. Thus as I understand it this creates an 18-25…
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I was underpaid UC due to a failed change in circumstance, will I receive backpay?
Hi, I just realised after moving for the second time, that the first time I moved in April 2025, I failed to report a change in circumstance which means I was underpaid UC for a period of 8 months due to housing costs etc as I was single renting a 1 bed with my child. I have since moved again (Nov 2025) however this time…
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Should I modernise my consumer unit
It works. The oldest part is from 1987. If so, why? Pic below.
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Manchester T2 drop off
I recently dropped my husband off in the drop off zone at T2. The traffic was mad and there were so many cars queueing to enter and leave the zone they had staff in hi-vis directing people to spaces. The queueing added time to our permitted time and when I logged onto the APCOA website to pay for the drop off I was…
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Lost my NTK Letter - UKPC PCN sent through post
Hi all. This is my first ever post on a forum ever. I've trolled through the forum for the last few weeks trying to figure out what to do. Please don't shoot me. A letter came through the post recently (mid January). It was from UKPC for an alleged contravention in Rom Valley Way Retail Park. The letter alleged that the…
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Tembo - are they any good
I have never used just an online only account before and am looking at setting up a Tembo ISA to transfer my ISA across to, I am slightly nervous about an online only account and was wondering how people get on with the Tembo one? TIA
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Scam - email received this morning
Forwarded to report@phishing.gov.uk I am trying to figure out - why the gaps in certain words - was it written on (and sent from) a mobile phone ? "Phone just rings into nothing. Ok. I don't have much time, so let's get straight to the poin t. I want to make you an offer that you can refuse, but only once . He re's what I…
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Lifestyle giftcards
I received a Lifestyle gift card - one of those you can exchange for e-gift cards at various retailers. I was after a particular item at Dunelm. I exchanged my card, ordered the item online, part paid with my gift card and part with debit card. An hour later I got a message saying my item wasn't in stock. The order was…
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Nottingham Building Society site under maintenance for ca. 60 hours (Really!)
... and all their branches are closed tomorrow, Saturday 07 March 2026
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CCJ for a parking ticket I have never had correspondence for. What do I do?
I received a letter in January 2026 about a CCJ obtained against me in respect of a PCN issued by a company called Civil Enforcement Limited. It is a PCN from July 2023 and this was the first correspondence I had received regarding anything to do with the parking ticket or fine. I wasn’t aware of a parking ticket from July…
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Executor-dative scotland
I have completed a template to petition the court for executor-dative my mum passed away with no will and estate is above £36k.any advice on how I have completed the template
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Possible tax on (briefly) owing two homes
Hi, My wife and I are keen to move house quickly. We’ve found one we like and we can just about afford to buy it before we sell our current one. But we’ve been warned about potential tax implications. Our current house is in my wife’s name. The new one would be in my name. Would that help us avoid the relevant tax? If I…
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Upcoming Re-Mortgage & Debt/Credit Score impact
Hello All. We'll be starting to look onto our re-mortgage in the next coming months. Our current mortgage is due to expire on 31 August 2026. All is fine. Payments have all been up to date. No worries there. My credit score is good. I have a personal loan with a current balance of £1263. This loan is due to be repaid at…
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Why is it not a MOT requirement to have vehicle tax?
Not sure about where you live but around here there's an absolute ton of vehicles on the road with no tax. Today I saw a van come by my work & you get a vibe for it, you can spot it a mile off. 'checkatrade' phone numbers on the side tend to be a giveaway. More often than not they're missing something. So it was guess what…
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Are wills valid if stapled in top left corner?
I have a will written by WSL will writing (paid £150) I think back in 2020. I have been really happy with their service. However today since its free writing month i called a local solicitor recommended by the charities linked to the offer Chase Morgan Solicitors179A Dudley Road, Wolverhampton, WV2 3DR to ask if my…
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The Case of the Overwhelming Mortgage
I’ve lurked for a long time. I have no-one in real life I can discuss these issues with and thought it might be helpful to get it out of my head and on to paper. I am mid 40s, married, with two pre-teen children. We moved in 2017, with a 20 year mortgage of £140,000 and interest of £10 per day. We now have a mortgage of…
