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Moved
Moved to retirement planning.. .
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Self Employed: "Making Tax Digital"? But I already submit tax returns online (i.e. digitally)
I'm in my early 60s (OK, nearer mid 60s, cough) but still work part-time on online/tech stuff from home. I've been using the online (thus digital) Tax Return submission system for ages, which is pretty easy as I only really need to work out 4 numbers once a year: Income (totalled from 24 payment receipts a year), expenses…
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Appliances Online - excellent service!
I'm not often impressed by the delivery services of companies, but I am making an exception here. Ordered a microwave on Tuesday, at the lowest available price, with free delivery - supposed to come within a week or so. Got a confirmation straightaway, then a message to say it would be delivered the next day. And it duly…
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Difficulties transferring Tembo Easy Access Cash ISA to a new Cash ISA provider
Tembo do not provide customers with a Sort Code or Account Number. How can I transfer a Tembo Cash ISA I opened in the 2024/25 tax year to a new 5 year fixed Cash ISA with a different provider without losing its tax free status please? This is what Tembo say about Sort Code and Account Numbers:…
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Compensation for USA internal flights
we flew to the USA and stayed in New York for 24 hours. Delta cancelled our flight from La Guardia to Orlando in the early morning when the flight was due in the late afternoon. So we never went to the airport that day. There was travel chaos due to it being the week before Easter and the security personnel being on…
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Check wheel nuts after 30 miles?
I recently had a set of new tyres fitted and have noticed that the invoice says to recheck the wheel nuts after 30 miles. Is this something that is a genuine safety risk or is it more of a disclaimer? The garage is quite a long distance away so it’ll take half a day getting this done and after paying for the tyres and…
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Lebara “Free Roaming” Con
My husband and I have recently signed up with Lebara. The deal was recommended on ML website. Our main criteria when choosing new provider were supported Wi-Fi calling (we live out in the sticks with bad signal) and free roaming in Europe (we travel often). We opted for a deal with Lebara that ticked both boxes at a very…
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Nationwide Underwriting (Scotland)
FTB buying in Scotland at £225k (Home report value £240k). Income: £52k. Loan: £205k (9.1% LTV) over 34 years. Debts: Car HP £421. Current Status: Application with underwriters for full assessment. Original application was for 95% over 35 years, Nationwide came back and asked for the term or deposit to be increased. Term…
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Tax on savings Interest
Can anyone please clarify the tax on savings. What I read is not clear. Scenario: I am retired but not a pensioner. I have no income except from savings interest accounts. If those savings earn say £10,000 a year in interest Is my personal allowace used against that? Or is that ignored? Am I only alble to use the £5000…
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HMRC Complaint: What Can I Do?
Hello, first post and couldn’t find a more appropriate category but please move this if necessary. I have a deduction in my personal allowance this tax year (26-27) and I have no idea why. It’s a significant amount of money to me. My account also doesn’t seem to have any additional information on the deduction. I tried to…
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Help me decide where to put my savings??
hi all I have recently sold a property and now have approximately 170k to invest. I am in my mid 40s, and the money in want to invest I won’t need till my 60s now. I don’t mind risk, so looking for advice on where to place my investments, this is what I have currently done. 50k - placed in the vanguard all world caps fund…
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Debt write off due to serious mental health - any success stories?
Hi. I'll start by saying, I'm not looking for any medical advice, as I have a full psychiatric team assisting me… Six years ago my mental health deteriorated, ending in me getting divorced and eventually being signed off work. After the divorce, I was left with the family unsecured debts (which were all in my name) of…
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Eddington Cambridge Elite Parking
Hi All Received today from elite parking mangement court letter issue date 13th March 2026, my brother was driving my car and didnt register for 2hr free parking. So process starts again to defend myself. Thank you in advanced for your help
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Flights and Section 75
We have booked flights to Japan on one of the major Chinese airlines. The flights were booked direct with the airline using a credit card. It is just flights that have been booked. All the recent upheavals have made me wonder what would happen if the airline cancelled our flights home whilst we were still in Japan. Ideally…
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Paying for HC1 form
I need to order a copy of historic title deeds from 2003 for a client, by post using form HC1. As I don't have any bank accounts with a cheque book these days, is it OK to pay Land Registry with a postal order (old school I know!)? Any other options? I looked at various 'firms' online offering reseller options for this,…
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Living the Good Life - mortgage free and living in line with our values
Evening all, I thought it was time I started a
new diary, as we've now been mortgage free for 18 months and the last pesky bit
of mortgage debt (on the 0% card) went in October. We're now almost through Mr
MV's 40th, Christmas, New Year and my 40th (coming up next week), so it seems
like a good time to start afresh and…
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Mortgage broker messed up
We arranged for our mortgage to switch to a new product (with the same lender) on 1 April through a large, well‑known broker. Everything was completed in February, and we were told the new rate would automatically take effect on 1 April with nothing further required from us. For context, I hadn’t realised we would be…
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uPVC window foil repair
Has anyone had the foil repaired on their upvc windows. What is your experience. Is this worth doing? Heres the worst example of my wrinkly foil: 7 out of 8 of my windows have wrinkly foil There're some specialist companies that do this, and I am making enquiries. The questions I have are: Can you match colour Will I…
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Decorator
I am not sure whether this is the right place to post. Apart from personal recommendations, trust a trade, Which, checkatrade. Is there another way to tell if a decorator is good at decorating and reliable?or will a handyman be able to do the job just as well?
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3 Parking Fines - UKPC!!
I'm already contesting a parking fine (https://forums.moneysavingexpert.com/discussion/6656446/ukpc-pcn-hemel-hempstead/p1?new=1). Now I have received 2 more PCNs from UKPC for the same location (KD Tower car park). The vehicle was parked in the same allocated resident bay over consecutive days. This bay is included within…
