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Spreadsheet for a children's home
Hi all. I'm looking for a spreadsheet whereby the home can have a monthly budget for, say, children's food, and whenever they go shopping, they enter the amount spent and it draws down against the budget so the manager can always see what is left. Is anyone aware of such a thing?
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When do gambling winnings become capital for UC?
Hi, So under the universal credit capital rules, income does not become capital until the assessment period after it is received. However, I can't find any information about whether this is also true for gambling winnings. Does anybody know?
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Survey results- would you be overly concerned?
I assume this is a well traveled topic here but I am a FTB so not sure how to proceed- any help would be greatly appreciated to understand if I am being an easily scared FTB or if this is a house with more issues than most people would be willing to take on. We have received a level 3 survey back on an early 1900s mid…
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Sole Trader Banking using Trading Name
I opened a Sole Trader account with Starling a few months ago - all good and the payment notifications are very useful. However, when my customers are making payments to the account they can now only do this by entering my personal name because of the new account name checking process being rolled out. This is not great…
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Cruise travel insurance
I had a heart attack 2 weeks before a cruise and put in a claim to my travel insurance company.I have a multi-trip worldwide policy which I had rolled over from 2024. This renewal did not include cruise cover and therefore my claim was declined. My question is, why doesn't our policy cover the cancellation of this holiday…
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Which credit cards offer CSV transaction downloads, and for how many months/years?
Hi, I can download up to 7 years of bank current account transactions in CSV format, in up to 1 year max chunks, which I've found useful in the past. But which credit cards offer transaction downloads in CSV format, and over what date range? My current credit card only seems to only offer PDF download, and only does that…
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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…
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Backdated National Insurance Contributions
My husband had his call back at end of April. We were waiting for a second call and were unable to contact them. However 2 days ago my husband received a letter with his payment options and advised of amount depending on contributions paid. The letter states that the Inland Revenue will make a decision when we contact them…
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Buying a house with extension over sewer but no build over agreement
Hi, We've found out the house we are in the process of buying has an extension that was built over public foul sewer with no build over agreement. (The extension was done in 2019 by the previous owners and is about 5 meters wide). They did get building regs certificate for the extension but for some reason didn't get a…
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Timing Issue on taking Deferred LGPS
I reach the magic age of 60 in late February next year when I can and will start to draw my LG deferred pension hopefully for many years to come I have used the on line calculator so know what I am entitled too My question is - is there any advantage in waiting for the new financial year before taking it as not sure if…
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Yougov Safe issues
is anyone who uses Yougov safe having issues getting it to read Amazon shopping history? Amazon shopping only went on this week but whenever i try to do it all i am getting is the white box in middle of screen telling me to wait a moment and the amazon orders page just keep clicking over like its reloading all the time. i…
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Transfering my ISA
Hi All, I have £4333 in a CHIP cash ISA at 4.06%. Are there any better options that allow transfers or is it better just to leave it?
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Maximising Tax Free Cash in Drawdown
Looking at the techzone website, they give the following example of how to drawdown income from a pension in a tax efficient way: Ann is 60 and has just retired. She has a SIPP valued at £450,000 but has no other income. She could take drawdown income of £12,570 completely tax free as it is within her personal allowance.…
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Two Contracts with Single Employer & Resignation
Hi all, Question is on behalf of my brother. He is employed by the government, and works for the same department but with 4 days per week at one level, and 1 day at a lower level. There are two payslips, two contracts, and the same tax code on both payslips. The question is, would it be possible to resign from the single…
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PCN for stopping on red route, should I try to appeal?
Is this worth appealing or should I cut my losses and pay?
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Cancelled Festival - No Refund
Hi I hope I'm posting correctly as I'm a lurker rather than a poster. But I'm hoping for some MSE Forum help and advice please. Towards the end of last year my daughter, her partner and I saw an advert for a new festival which sounded great. International headliners, free BBQ, fair and posh loos! Alarm bells should…
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Plumber won't give invoice receipt needed for insurance claim
We had a leak from an immersion heater which caused significant damage to the two flats below. When it happened, we called out a plumber that we found on trustatrader.com and they came out and replaced the parts that caused the leak. We promptly transferred payment to their account and was asked to give Google feedback…
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Bristol Airport Charge Notice stopping in prohibited zone - not even on VCS area?
Hello, thanks for all the many threads on this site about the perils of Bristol Airport. I received a Charge Notice yesterday from VCS (Notice to Keeper) trying to charge me £100 for reason 46, i.e. Stopping in a zone where stopping is prohibited. The area in question is a small entrance way into the Hamptons Hotel car…
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Mortgage Protection Insurance for an over-50 year old
Hello everyone - I need some advice. its been a long time coming but ive re-entered the property world and have just got myself a new pad after years of renting. thing is I am now over 50 and there is that cloud over me - as mortgage protection insurance. Do I need it? I tried a broker recently who shal remain nameless but…
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Epson ready print
Hi Ya, I have been using Epson ready print
but now decided to return to the people who I can trust for compatible ink (Stinky Ink) Should I totally delete all
Epson software on my PC and reset my printer also because Epson were basically
controlling my printer with ready print as they could stop my printer from
working or…
