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Best case scenario for how long to buy leasehold flat
I am very prompt with things on my end, typically I'll complete the forms and upload them to my solicitors portal the same day they get emailed to me. So it's safe to say there won't be any delays on my part. I asked the vendors solicitor if they'd kindly asked the vendor to order the management pack now, rather than later…
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Boots lost points and no refund on my order
Title: Need advice: Boots froze my Advantage Card points (£400+), refused refund, and used misdirected email — what are my options Hi all, I’m posting anonymously because I’m currently involved in a dispute with Boots and I would really appreciate some neutral advice. I’ve had two problems with Boots recently: 1.…
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Pension Advice Quote
I have an old workplace DB pension that has a transfer value of 120,000, two years ago it was 143,000. If I take the pension I will get around 6k per year but I would rather transfer it into another pension pot I have to give it a couple of years to grow. I spoke with a pension advisor who said it would cost around £5k for…
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Chargeback - where to go from here?
I recently placed an order for a mobile phone which included a trade in. Stupidly I sent the handset to be traded in before I received the new one (or was supposed to). long story short the new one didn’t arrive - raised a chargeback. In between chargeback being raised and refunded, the trade in handset was received and…
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Transferring pensions into NHS pension
Hi. I started work in an NHS job 8 months ago and joined the pension scheme. I currently have a contract that will take me to two years’ employment and this may be extended beyond that. I have two DB LGPS pensions which will pay out just under £7k per year at 60. I also have two cash balance pensions from previous…
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Fold down parking barriers
I hope this is the right place for my post. I live on a private estate and unwelcome random car keeps parking in my space months on end and despite putting notices on the car, the notice get ignored and the unwanted car will leave and return on the same day. I am not sure what the solution is to keep these unwanted cars…
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A few Pension queries please …
Hi New to this forum but hoping you can help with some queries regards me taking early retirement…. 1) Does it matter what tax year i take my pension lump sum seeing as it is tax free (25% up to cap) 2) Can I take my 25% in separate chunks or does input have to be the full lump sum in one go? I.e if say my 25% was £100k….…
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Inheriting 2x properties can I avoid stamp duty?
Hi everyone, I'm inheriting my father's estate which includes two houses and a bit of cash. I want to make ssureI understand stamp duty correctly and if possible to avoid the additional rate for buying a 2nd home. I am both the sole executor and the sole beneficiary of my dads estate. I have completed and paid the IHT, and…
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Rent Guarantor
Hi I'm hoping someone might be able to help or point me in the right direction of who to speak to. I've been recently contacted by a landlord for a property one of family members rented (and has vacated) for rent arrears and damages, which I was the guarantor for. The landlord has provided me with a breakdown of costs,…
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No Default on credit but a threat of CCJ
Hi. Hope someone can help me. I have been reading up on the forum regarding debt and paying off some monies that I can afford after being defaulted. 2 of 3 debts have become a default on my credit file. However, my NatWest debt hasn't defaulted. I have rather received a letter threatening me that they will do a CCJ if i…
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New Phone mess up
Long story but shorten version ... All done on-line ....brought phone from Curry's on interest free credit, with a very good trade in.... only to be informed that the phone isn't in stock ... later won't ever be in stock, did I want to cancel ... cancellation form submitted. I then brought the same phone from Samsung ...…
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Do I have to let my landlord in at the same time as workmen?
I'm due to have some work done on my rental property in the next couple of weeks which, of course, I will allow the workmen in for. However, do I also have to allow my landlord access? Every time any work gets done, whether it's a big or small job, my landlord will turn up at some point to "say hello to the workman" or…
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O2 PUFFL tariff - cannot send texts
Anyone else on O2 PUFFL struggling to send texts? I have an old 2G phone (upgraded to a 4G compatible SIM card a few years back when they were replacing them), but can no longer receive texts. I have checked the message centre number is correct, this was working up until last week. Outgoing texts and calls in and out are…
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Parking Control Management - Shaftsbury Road - E7 Notice 4th April
Dear friends. Please can someone help me with the following Parking Charge notice? Is it compliant, how do I adapt a template letter, what should I keep and what should I leave out? Is it worth taking this all the way? The circumstances behind this is highly contentious. There was a resident with a sign in his hand at the…
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Upholstery Cleaner
Hi, I am looking for a upholstery cleaning machine to clean my sofas. I don't want a carpet cleaner but I have been looking at the Vax Spot Cleaners. Does anyone know if these are any good for cleaning sofas etc? (the whole thing not just the odd stain) Also, is the Vax better than Bex Bissell?
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Anyone used the Co-op Business Bank Account?
hhm, I am small business and moved to the Co-op for cheaper charges (!!) - however, for the first 6 weeks noone could pay into my account due to a technical error on their end (now sorted I hope) and just today, when I paid an invoice it actually lists it as a standing order. I rang the bank and they said that this is how…
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Ebay so called Simple Delivery and Buyer Protection. Double Jeopardy?
Being a long standing seller on ebay I have seen a lot of changes over the years, some for the better but more recently the majority for the worse. Despite reassurances that all existing listings the postage prices will stay the same until sold I have noticed that a lot have automatically switched over to so called simple…
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E SIM for South America
Has any one got any recommendations for an E Sim for South America. I will be travelling to Brazil, Uruguay, Argentina, Chile, Peru, Panama, Columbia and Costa Rica. I know many providers can supply what I need but does anyone have any real life experiences of suppliers. Looking for something that works rather than the…
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NatWest cash ISA guidance weirdness
Hi all, I have a NatWest cash ISA from last year and after being unwell this year am only just getting around to updating my accounts for this years allowance. My NatWest ISA already has the cash ISA interest rate they're offering for this year, and when I tried to open a new cash ISA, it refused to let me open it as I…
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31.25% April 2026 Price Increase from O2
Hi all, got an email last week from O2 about their annual price rise, which am sure many of you also had. Great wording (not) "From April 2026, your airtime plan will now be increasing by £2.50 instead of £1.80." Main point of this isn't about the £2.50 increase, it's the % it represents of 31.25%! Unsure of the fixed…
