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Take tax free 25% lump sum triggers MPAA
Hi, I am thinking of taking 25% tax free lump sum from my pension. Does this trigger MPAA where mine (or my employer's) contributions cannot exceed 60K/annum or be taxed?
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My ASHP Journey in Bonnie Scotland.
We have our new ASHP - just three weeks now and I want to get the best from it. As it was part funded by a renewables grant we also had a phenomenal amount of additional insulation put in the attic. We have 2 zones - upstairs and downstairs. I have so far left the settings as put by the installer. 20 downstairs 18…
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USB wall sockets
Is USB 3 or even 4 a matter to choose between on Wall sockets or are they all the same charging current ? - ie) at 3.1 amps / max 15.5wattsie) Is the version of USB important (if stated) on wall sockets ?
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Rainwater drainage
My neighbour and myself share a foul and rainwater drain. Our houses were built in 1975 on heavy clay so a soakaway for rainwater wasn't an option as there was already some flooding on the verge that our land naturally drains to. My neighbour has recently put in a planning application to build a two storey extension to the…
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DCB Legal Representing Excel Parking - Defense Assistance & General Support Needed
Good evening, I have been following the advice of this forum to date. Last week I received a claim form after ignoring all prior correspondence. I have acknowledge the service of claim on MCOL and have drafted my defense based on the template provided. 1). I have seen that this should be sent…
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Argos and Yodel fail to deliver...reordered at twice the price.
I ordered two lamps from Argos at a half price in a sale. The site says they will deliver using Yodel on Friday. They don't turn up. Still nothing the following wednesday, so I get in touch via chat - but no record of this unfortunatley; they can't tell me where the goods are, they say they can't send a replacement. All…
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Are we expecting the BOE Base Rate to drop to 3.75% on the 6th November 2025?
Potential for 3.5% by year end?
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Has UC removed my NI credits a year into my pension?
My partner and I had a UC account from early days, a dozen years ago. This made sense as I was self-employed throughout that period. As I approached 66 years old at the start of 2024, I diligently checked and topped up my NI years until I had 35 full years. Only around £2k altogether, covering about 8 shortfall years. I…
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Parking charge PCM - done it all wrong, need guidance...
Summary of parking situation: * Had been parking in 'visitors' parking spot for 3 years - when visiting my partner. * Had been using council paid visitors parking tokens believing this was valid as his contract discusses resident and visitors parking permits - never got a ticket for parking in this space in 3 years. *…
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UKPC parking charge
Received a parking charge from UKPC for outstaying time limit in a retail park due to a flat tyre. I appealed immediately explaining that car breakdown company took a while to arrive and then fixed car. I left as soon as I could. Heard nothing from UKPC then got letter from debt recovery asking for £170. They told me UKPC…
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Does this count as having insurance declined?
I used a couple of comparion sites to get get some car insurance quotes but before I accepted one I thought I would try an insurer that does not feature on the sites as you have have to ring up to get a quote. When I rang he asked me whether I owned the vehicle and my name and postcode - nothing else. He presumably put…
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Is this a valid ticket or unfair?
I have received a ticket. This signed to me suggested that between 10-4 you have to pay, which I did via the proper methods. But at 16.18 I received a ticket. Am I right to challenge this ticket?
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TFC and 25% sanity check crystallised
Keeping the numbers simple. Say I have an uncrystallised 400k pot and I want 100k in TFC - I've never taken TFC before or withdrawn from the SIPP. This would mean I would have to put 300k into my crystallised pot with no uncrystallised left in order to get the 100k in TFC. If the uncrystallised 300k remains invested and…
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Comparison sites vs MSE cheap energy site
Trying to do comparison as fixed tariff ends, with EDF, at end of Oct. Have got exact annual useage, in kwh, and put in on various comparison sites, and with EDF. Most came up with same deal and an estimated monthly bill around £100. When I tried using MSEcheap energy site......all details the same, it came up with an…
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Premium Bonds Article Discussion Area
This thread is to discuss the Premium Bonds: Are they worth it? article Also see the Premium Bond Probability Calculator to discuss the calculator specifically see the Premium Bond Calculator Discussion. To take part, click reply.
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Insuring a new(er) car
I apologise for what may seem to be a silly question but ... For the first time in ~ 15 years I'm going to replace my existing car with something much newer. My "old" car (now nearly 16 years old) was purchased new in March 2010 and costs me relatively little to insure - I've regularly switched insurers to get the best…
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Debt arrangement scheme advice.
Hi, im new to this and have been putting off posting for some time. Im considering applying for the debt arrangement scheme as trust deeds and bankruptcy are not ideal . I work in energy advice for a well known charity. Im married and we have a mortgage and two children at home. We both work full time and both have debts,…
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Odd parking ticket appeal?
Hi The driver in question got a ntk from horizon parking for overstaying. I went back to the carpark today (a few days after the ntk was received) to check signage and so on because the driver said some signs were obscured/defaced etc to find that everything relating to the carpark operation has been removed, pay machines,…
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Royal Mail Tracking and Delivery Issues
Hi I have recenlty had three tracked and one untracked letter not be delivered after about 2 weeks. The purchases were done around the 12th and 14th September 2025. One used Tracked 48 and the others 2nd class tracked I believe. They are all trackable online. The tracked items showed up on the Royal Mail online tracker as…
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LCS claiming I have a debt with EDF
Hello Forumites, I recently received a letter from LCS claiming that I have debt with EDF. I have lived in the address they mention, but: 1 They have the wrong dates. 2 I never had an account with EDF and a bill was never sent to this address. I have sent them the prove it letter and they replied to me asking to provide an…
