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Universal Credit bank question
hi we’ve been accepted for Universal Credit and everything has gone through. I’m trying to make a budgeting more easier and it would be helpful to open another bank account for me to transfer food petrol money in so it doesn’t get eaten up by bills do I need to inform UC ? that I’ve opened a bank account or does it not…
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Cloudflare
The time taken to get past Cloudfare verification is annoying. I wonder whether this is going to prove counter productive in getting genuine visits to the site,
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Help please. Broadband renewal anxiety
I've been on phone line/router broadband. Was Post Office, who sold to Octopus, who sold to Talk talk. Has been £18. I only use it for play IE forums on a couple of sites. News, weather and some research. A couple of emails a month to services. Sometimes iPlayer and 3 catch-up TV sites. Don't need high speeds. Looked at…
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How to watch VHS on Smart TV
Hi all, help needed again. I have fifty or so VHS Cassettes where many family video memories are stored. In order for me to watch them through my smart TV what exactly do i need. I have a standard VHS Video recorder and a Samsung smart TV. I currently have a SCART lead with the three coloured wires on the other end. I have…
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Question on paying into a SIPP from a limited company
Hello all, I am a new IT contractor, with my own limited company (just for me), paying myself a small salary plus dividends, filling in a personal tax return - all in the usual manner. I want to set up a SIPP and I read that I can contribute into a SIPP from the company, so getting the tax relief directly - no Corp Tax on…
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Flambard Williams
My experience with Flambard Williams has been extremely negative. I was advised that my budget could fund multiple profitable buy-to-let properties. In reality, the advice was misleading, the figures provided were inaccurate, and I have lost tens of thousands in deposits while being left with a property that makes a…
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Local sims Japan
Hello, does anyone have ideas/suggestions about buying a local sim to use in Japan please? I'll be there for 3 weeks. Won't be needing to make calls but may need data if I can't find wifi. My phone is not compatible with esim as it's too old!
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Overwhelmed by pension options any advice please?
Hi, I would appreciate any advice. My private pension is stuck for the past year with a FO
dispute (in my favour), as the provider has not released information on exit terms.
Crossing fingers, I can transfer it to a flexi-draw down fund in November when
the markets are usually higher. The pension is worth about £58,000. My…
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Natwest Digital Regular Saver matured - keep or open new?
Hi all, I've a Natwest Digital Regular saver that's been open for 12.5 months, not sure if it can continue to be earning the (currently) 5.5% interest rate, or if it closes/ downgrades to another form of account? Can I open another one? I just asked cora, and got nowhere so I called natwest and was very patient, however…
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Solid brick construction and mortgage
Hi How hard is to get a mortgage for solid brick single story flat? It is a conversion of an old church hall, converted in the 1980s
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Overly open clause in TUPE agreement
I have recently received a TUPE transfer agreement. While most of it appears fairly routine, one clause strikes me as overly broad -- especially when compared to the terms in my original contract with the company that was taken over. Could you please review it and advise whether I should be concerned? Also, would you…
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Medication abroad.
What's the situation regards taking medication abroad. Specifically France in case the country matters. I have prescription medication that I take on an as-&-when basis. Some times can be daily, some times months can pass without needing to take. One of these is tramadol. I mention that as this is the one that causes a…
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damaged/dented fridge freezer on delivery, plus courier scratched our flooring
morning all, we ordered a fridge freezer from appliances direct, paid extra for the for the delivery company to unpack and deliver to the room of your choice. I've got two issues, firstly, they unpacked the fridge freezer (integrated) and there was a dent on the leading edge of the door (its going to the be the edge you…
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Aah reclaim
After 9 months of trying to get over the death of my husband, today I have a demand for £217.this has really knocked me back. The death was registered and one stop advised 14 days later..what a horrible thing to happen making him out to owe!! He never claimed anything in his life until macmillan got thus for us in the last…
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Notice Advice
Hi. I work in a low level accounts position and been in rhe permanent role since last may. My contract states 3 months notice which everyone i have spoken to says is excessive for my level within the company. I have not been happy since I started there and today had a dressing down from my manager totally out of the blue…
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Work Capability Assessment (LCWRA)
Hi, I had appointment with my GP on Monday to get a three month fit note to start the process of LCWRA as at the moment I am on LCW, but I need to get on to LCWRA as my mental health is bad and I also have new conditions (agoraphobia and social anxiety) which my GP has put them on my medical records and I just want Job…
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So we're supposed to ignore it...
But on the letter it literally says if legal action is taken, then it increases to £280 from £170, from debt recovery plus. They're offering to let me pay £10 before August then the rest within 30 days. The evidence smart parking uploaded just has me entering and leaving the road where they operate, shouldn't they need…
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Getting a mortgage with the bank that you previously had debt with.
Hi all, I’m in the process of applying for a mortgage with Barclays, I previously had a Barclays cc of debt of a value of £2.5k that was sold to a debt collector and resulted in a CCJ. This has now been paid off and was over 6 years ago and is no longer on my credit file. Will this affect me trying to get a mortgage with…
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The Gym Group "Change home gym" membership PRICE hike w/ Loyalty PRICE promise
So I've had my current Gym membership for a VERY long time. When The Gym Groups gyms were fairly new. I signed up for a membership that guaranteed the price 'forever' at £20.99 per month. However, at some point the company changed the full multi-site access to this system where I have to first add an additional gym through…
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Forum Highlights 15th August: garden paths, toys & travel pillows
What have MoneySavers been talking about this week on the MSE Forum? Join us for a whistle-stop tour of some of the latest discussions and dilemmas. Seen something on the Forum we should include in next week's highlights blog? Let us know in this thread.
