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Gifts during lifetime for probate
I am trying to work out what gifts need to be included in probate calculations. Guidance seems to suggest ….”Birthday or Christmas gifts you give from your regular income are exempt from Inheritance Tax”. Does this just apply to small gifts under £250? Or does it also apply to gifts over £3000 if paid from regular pension…
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My mortgage clobbering post
Putting this here because I'm an enthusiastic mortgage over payer and I have no one in real life to tell! Single parent for 15 years, left in £35,000 of debt by ex husband. (Paid off over 6 years). No maintenance paid in 15 years. Unable to pay capital for many years as I had to use the old endowment policy to pay off my…
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Removing defaults added once IVA was completed
I completed an IVA in September via full and final settlement and in the same month the credit accounts have all been updated with defaults on the same month! so this will damage my score even more now, is this normal? I can imagine that once an IVA is completed the credit reference agencies need time to adjust everything…
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Parkingeye PCN advice
Good afternoon all, I am hoping that you are able to advise me on how to approach the following. I appealed to Parking Eye already, my next options are paying, or POPLA. The PCN states that arrived at 10:19:50 and left the car park at 12:31:39. These timings were recorded using ANPR. I had to download an app and purchase a…
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Emergency help for unemployed son with mental health issues
My son is unemployed and is separated, going through a divorce. He has mental health issues (recent ADHD assessment, anxiety and depression) and has a fit note until the end of this year. He used to have a high paying job in IT and has been trying to start up his own software development business but not, so far, with any…
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Pension, Final Salary - My Brain Hurts!
Dear pension braniacs, I`ll try to keep it brief! I am teacher 63 and could have claimed a final salary (1/80th) pension and lump sum at 60. But TBH I am not a big spender, dont really need any extra income just thinking about retiring in 4 years at 67 ie. just ticking over ... (the odd beer, holiday etc. ie. not a big…
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Rent increases after Section 21?
Hello everyone, I've recently been asked to leave my long-term rental and have been issued the S21. I actually posted here about it here and received some good advice. In brief, the situation is: I can't afford to move out. I can afford my current reasonable rent, but not what is being asked for on the market now for…
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ECP overstay parking charge
Good morning folks. I received a parking invoice from ecp yesterday for a car park overstay. The letter contains photos of entry and exit with time and date stamps. The driver of this vehicle has contested these invoices before, but is unsure about this one. They have read the newbies thread, but feel that the only line of…
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Building Control Question…Fireboarding on lintel.
I wondered if anyone could advise please? We have a garage attached to our house. You can get through the back of the garage through a door to the garden. Above that door is a lintel. Above the garage is a bedroom etc. On the lintel is some fire board…just the width on the lintel. Does that need building control sign off…
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Sim only help - currently on O2
Hi all, Any help, advice would be appreciated. I am currently on O2 sim only deal that I've had for 2 years. It ends on Nov 8th so I have a few days to make my decision but I'd rather get on with it now. I was looking at the deals available on MSE, and I found a few with Asda, who uses the O2 network. My questions: As I am…
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ENQUIRY: RENT A ROOM SCHEME
Hello, I have finally settled into my house after a long delay. My friend will be moving into my spare bedroom and I've read up that I can claim relief of £7.5k tax free from lodging per tax annum. My friend will be moving on the 10th of November and will be paying £675 for rent w/utilities included. I am aware that the…
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Real living wage to rise to at least £13.45 an hour – here's what you need to know
Almost half a million workers will soon see their hourly pay rise thanks to an increase in the 'real living wage' – a voluntary employers' pay scheme based on the cost of living. If you work for one of the more than 16,000 employers who are signed up, you'll see your pay rise to £13.45 an hour (up 85p), or to £14.80 an…
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PCN Royal Borough of Greenwich 52 Contravention: Low Traffic Neighbourhood
Hi, does anyone have any advice or any successful stories appealing a LTN PCN. I've managed to drive on that road another 4 times since I've received the first charge through, so I know I've got more charges coming.... at £80 a pop! I'm at fault and didn't see the signs. Any advice please?
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POPLA appeal withdrawn - debt collectors now chasing
Unsure about my next steps. I appealed my parking ticket - refused. I then appealed via POPLA and 1 day before the 21 day deadline I get the following email: "The operator has contacted us and told us that they have withdrawn your appeal. If you have already paid your parking charge, this is the reason your appeal will…
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Ukpc popla appeal - Insufficient and unclear signage
Hey guys, So I followed the newbie thread, and am now at popla stage with UKPC. My case is very much like this one, https://forums.moneysavingexpert.com/discussion/5431088/ukpc-popla-appeal , apart from it happened during the day instead. I never received a NTK either. I will appeal using the relevant points from the above…
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Has anybody experienced EES registration procedure yet ?
I realise it was only introduced wef 12th October and many (if not most) airports will not have the biometric registration procedures operational to date - just curious to know if any recent travellers have encountered it yet ?
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Hive system, multi-zone heating
Our current heating system in our new home is installed as 'multi-zone' and we are looking to move the somewhat basic heating system over to Hive. The multi-zone bizarrely comprises of living room and then rest of house. When trying to order the Hive, it asks for how many zones you have and then wants to give you the…
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Incorrect water bill (Southern Water)
I received my latest bill and according to Southern Water I am using more water now than when one other person lived in the property and I had a leak. My son moved out in October 2023, at this time I was using 143 litres per day. The billing period for this time also included a leak. My latest bill says I am using 202…
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Redress for data breach by Halifax for corresponding with the wrong debt management company
Hi Forumites, I made a formal complaint to Halifax about why they (unlike my other creditors) didn't default my credit card account in 2019 when I was 4 months in arrears and then entered into a DMP managed by PayPlan. Someone from the complaint team at Halifax called me this morning to discuss the complaint. She referred…
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Clothing company Old London
I have recently purchased a Callaway half zipped golf top from a company called Old London. It has taken 4 weeks to be delivered and is an obvious fake. Cheap polyester, no Callaway logo on inside of collar and no labels stating where it was made and washing instructions etc. also about 5 sizes too small. I have emailed…
