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Octopus EV charging rip-off coming end January
The great Octopus EV charging rip-off. Octopus Energy are one of the largest suppliers of domestic energy in the UK and have introduced a clever system of providing EV charging at low cost – Intelligent Octopus Go. Their algorithm decides when and how fast to charge your EV to spread the load and take advantage of cheap…
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Considering doing my own accounting …
Hello ! I’m after some advice. I’m currently self employed / sole trader . I have a business which is a shop where I also employ 2 members staff who are both on payroll I also do some uber driving . I’ve always had an Accountant but recently been considering doing my own accounts just to reduce my costs as business is…
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Flight in few hours, woke up pink eye
Hi all, I'm currently abroad Just woke up with possible pink eye, lovely! Issue is I'm due to fly home in about 7 hours. Should I take my chances at airport? If not what should I do? If I take my chances, they deny, the first thing I will do is ask for it in writing and ring my travel insurance for advice. I'm assuming…
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The "Mortgage-free in 2025-30" club!
Welcome to the thread for all those MFW's aiming to get MF during 2025-30. Come and chat to people working over the same timeframe as you, and then join the party in 2030 when we're all mortgage-free! :D If you'd like to be added to the members' list below, just post your details and I'll add you. Prod me if I don't - it's…
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eBay Sale Gone Wrong
Hi everyone, I sold an expensive fragrance which I have had for a few years - having a clear out. I've had it on sale for a few weeks and everyone kept asking if I would sell it for £20, it's worth £175. Ended up selling it to someone who haggled for it at £115 and I reluctantly agreed as I had two other things to post…
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Zopa mistake
I thought I'd let you forum people know, in case you didn't already, that Zopa have made a mistake and they have informed HMRC of people's ISA interest as though it was taxable interest. They have informed HMRC that they have made this error and HMRC have confirmed to them that they will correct the error on people tax…
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SIPP Drawdown HL
I’ve decided to move the whole of my small SIPP (below £100k) with HL into Drawdown & take the 25% tax free lump sum. I don’t need income so may or may not take ad hoc taxable sums afterwards. If I’m reading their guidance correctly, once in Drawdown account, I have to telephone to sell investments to realise cash for…
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Hargreaves Lansdown charts not working?
Hi, Is it just me? I've used both Chrome and Edge but a lot of the charts won't display, this has been happening for a few months now, I don't know if it's something my end or HL have changed something their end. Anyone else have this problem or is it just me? See example below:
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Investment Platforms Capital Gins/ERI Reports for General Investment Account
I currently have GIA with both HL & Interactive Investor neither supply or track CGT or ERI so I am looking to switch these trading account portfolios to either AJ BELL,FIDELITY OR CHARLES STANLEY , obviously price is relevant but also quality of their reports making easy for tax returns etc ? Also has anyone used an…
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Best way to allocate £12,000 between creditors?
Hi all, Hope everyone’s doing okay. I’m after a bit of advice on my situation. I’ve got a lump sum and I’m not sure of the best way to split it across a few credit cards to steady everything out. I had to leave my job and things kind of snowballed. I had two accounts on payment plans (Tesco and MBNA). Over the last few…
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Workplace pension vs Stocks/Shares ISA
Hi all, I'm a high rate tax payer in England. Obviously (like all of us here) I'd like the most bang for the buck. After having seen Martin's Live show about investing, I looked into Stocks/Shares ISAs. But then I did some research and I think putting any excess money into my workplace pension is still the best investment…
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Inherited ISA and tax free allowance
Hi, I have inherited a couple of ISAs following my mum passing away last August. Now have probate so writing to the providers to close the accounts. I understand that at the moment they are classed as ‘continuing ISAs’ until they are closed/cashed in i.e. the estate is settled. Can anyone advise as to the tax free status…
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Mortgage for 19 Year Old
My daughter is looking for a mortgage on a home. The LTV is 37.5%. The mortgage is roughly 2x her income. She has 3 people who can act as guarantors. The home does not need any work doing on it and it is good repair. Please can anyone direct me towards a broker or provider who deals in these sort of mortgages. Thank you in…
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Estate management company - outrageous registration fees near completion
Hi! So it is almost time for exchange and completion on a freehold property I'm buying that's subject to estate management fees. My conveyancer has been less than transparent about what's going on and its been in excess of 7 months waiting due to a change in management companies during this time. Suddenly my conveyancer…
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Dealing with British Gas as a micro business customer
This discussion was created from comments split from: British Gas Poor Customer Service 2025.
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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…
