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Life Protection Policy has been transferred from one provider to another
I'm after some advice, not sure if anyone can help?
I took out a life protection policy with Aegon in 2021 for a period of 15 years
with an option to extend when it got close to the end date (May 2036). The
policy has since been transferred to Royal Life in 2023 and I recently got in touch
with them to make sure the policy…
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M&S Returns Without Receipt – Anyone Else in the Same Boat?
Hi all, I've had two items sitting in a carrier bag for months now, going in and out of the house with me as I’ve been trying to return them to M&S. Since the data breach a few months ago, they haven’t been accepting returns without a receipt and it's been a bit of a nightmare. I've had conflicting advice. Different stores…
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Home Responsibility Protection (HRP) without necessarily getting Carers Allowance.
If two people jointly care for someone, only one of them can claim and receive Carers Allowance even if they're both eligible. But, the second carer CAN claim HRP from DWP as long as they personally meet all the CA requirements. It's a simple form from DWP and you can backdate one tax year too. The most likely scenario is…
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Buying an inherited house via a limited company with a mortgage to buy siblings out
Hi, I placed an original post here that outlines the situation I'm in. The short of it is I am the Executor for my late mother's estate and want to buy my siblings out of the inherited house but via a company to avoid the 40% tax I would face due to being over the higher tax threshold earnings from my day job (replacing it…
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Tax Free Childcare
Hi, I am hoping someone on here can help me, I am trying to establish whether we qualify for tax free childcare allowance. I currently earn £85k per year, however this year I was paid an unexpected £40k bonus, on top of that I have a company car and healthcare which amounts to a BIK of £10,608. I am currently paying…
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Sleepeezee sensation gel 4000 mattresss
After 9 days this mattress showed signs of indentations where my husband and I slept !!! As it was purchased from Furniture Village we immediately went back into the store and registered our complaint.. This was followed up by their technicians inspection 3 weeks later when he registered indentations at 2.75 which is below…
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MeandO's money-shuffling
Long time member here, sneaking back over from the MFW board... Previous diary here for those that want a back story: Money-shuffling towards mortgage freedom — MoneySavingExpert Forum Although my only debt is now my mortgage I've had to shift my focus from OP'ing to building up my savings instead, so don't really feel at…
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IR to UC
how many started a pension while on EZA then a year later were put on EZA 1R & had the pension amount deducted, whereas they could have kept the pension building to claim years later: why change people from 1R to university challenge UC, so as they can receive less continence tacks benny fit, & have non continents tacks…
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Fischer heating - please help
I recently bought a house with Fischer heating and a Fischer water system. I know, not ideal. However, we loved the house and there’s no gas. We turned all the heaters off at the wall and have the minimum hot water on and Octopus have charged us £225 for a month in electricity. Of course this is madness and not sustainable…
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G24 DCB Legal court claim 2025
I've received a Letter of Claim from DCB Legal acting for G24 Ltd. The parking charge is from August 2019, with the reason as exceeding the maximum duration of stay. The letter is dated the 20th of March, I was away when it got sent out. I've read through the newbie thread and if I've understood the advice correctly the…
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Which of our names to use for Probate?
My lovely mother passed away on Friday and has left her estate in her will to my sister and myself. My sister and I have split the jobs to do, and I will be doing the Probate myself. However, in her will, my mum put my surname as my husband's, despite the fact I kept my maiden name when I married, and she put my sister's…
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Pension contribution amount based on pay rise.
I currently earn £2,200 before tax, I contribute 15% of my salary and my employer contributes 7.5%. Currently this equates to £495 per month going into my pension. If I get a 5% pay rise, will this directly increase my pension by 5%? So £495 per month becomes £519.75? Or does it not work out this way?
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House not selling!
Hello, we’re looking for a bit of house selling advice, We’re trying to sell MILs house. We’re a rural area but it’s on a new small estate, we’ve paid off her substantial equity release mortgage with all our savings to stop the huge amount of monthly interest and dropped the price from £245,000 to £215,000 but not even a…
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Boots - Lost return / refusing refund or replacement
I purchased a Dyson airstrait on 25th December 2024 for £379.99 from boots, it was delivered to me on 31st December, by the 14th January 2025 the product broke. I contacted both Dyson and Boots as it was under warranty and was offered a repair by Dyson, or a replacement by boots. I opted to return to boots as a replacement…
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Executors not distributing estate 9 mths after probate, while one of them is driving my mothers car
Mother died 1.5 years ago, probate achieved 9 months ago, My sister gets has a pecuniary legacy to include any inheritance tax due, and then my sister and i are 50% 50% beneficiaries of the residuary estate. My sister and another professional wills probate company ( not a registered solicitor) are executors. In the 1.5…
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Daughter finishing primary - very emotional
Haven't posted in a while, but need somewhere to talk about this. I developed a very emotional side to me after losing my dad and his brother in a sort of traumatic way 4 years ago - I don't think I've completely recovered from the grief / shock. I'm a father to two girls, with my eldest finishing Primary school tomorrow,…
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Buyer complaint within 5 days - Scotland
Hello, after a bit of advice please first time sellers here. We had our home report completed, house listed and sale was completed all within 8 weeks. On day 5 of us having moved out we received an email from our solicitor stating that the buyer was seeking a quote from a joiner because of an issue with flooring -…
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Where are all the sellers?
Just a moan - we completed on our house a couple of weeks ago and now we are housesitting for friends. In the meantime, we have signed up to rightmove alerts, let local agents know we are looking. Unfortunately nothing that suits seems to be coming on the market. We've cast our net wide in terms of area and have a decent…
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Using MSE link for O2
People might be interested to know that O2 makes it very tricky to keep your existing O2 number if you go for one of MSE's SIM-only deals. The deals O2 offers on its website are so expensive, so I used an MSE link to get a much cheaper deal. But when I came to transfer my number, I couldn't find out how to do it. After…
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No final bill after 7 weeks, what are my rights?
I moved house on the 30th may. I told my energy company - home energy. A week or so after I called them and they said they would work out my final bill. 4 weeks later still no bill, I called them and asked for my bill, same thing, they said they would work it out and email me. 7 weeks later and still no bill. I am £800 in…
