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Claiming back higher rate
Just hoping for a simple answer. I have both a DB pension and a private pension. Last year I was able to advise HMRC of my contributions via phone. This year they want a statement. I usually pay in gradually then near the end of the tax year I top it up with a lump sum so I don't end up paying any higher rate tax. I don't…
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Smart Parking, DCB Legal court claim 2025
Dear All I've received a letter from Debt recovery plus about a parking charge of £170.00. It's the first I've heard from them. I rang them and they've informed me that a compnay called smart parking havr passed the debt on to them. The letter informs me that their client has previously written to me about a parking charge…
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Gold and Vanguard S&S ISA?
Anyone know why I can't get any gold facing investment into my Vanguard S&S ISA? My HL SIP allows it but not the ISA it seems.
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No Tax Free Sum. Was it ever available?
My husband took his final salary pension in 2001 at age 50 as part of his redundancy with no penalty. He paid into a SIPP until age 63 when he retired. The Sipp was left untouched until now as he turns 75 this year. He has now been told he is not entitled to any tax free cash as the revalued pension exceeds the lifetime…
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Putting bonus in Pension
Hello Forumites, I am on higher tax bracket and for the last few years, I have been putting 100% of any work bonus in Pension pot. My thinking was that 100% of bonus in Pension is better than 60% in hand now. Is there anything I am missing like paying tax when withdrawing or value of money reducing etc. Advise welcome.
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Looking for help on holidaying in Poland
I should've asked this 3 months ago when I originally had the idea!! Basically I'm looking to go to Poland next year around August / September. This will be the first time I've ever done any kind of booking like this myself. All the internal travel we've done is basically book a hotel and then train or drive & it's just…
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Lease extension – fixed fee service vs separate solicitor/valuer?
We have a flat in London worth about £500k with ~85 years left on the lease. We’re looking to extend. Our freeholder has been a bit difficult in the past (insurance / service charge), and there may also be a historic kitchen alteration issue which could complicate things. We’ve been quoted by Homehold for a managed,…
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Unwanted App Subscription
I downloaded an app from the apple store which I knew I would use once or twice and most likely delete after this. Whilst opening the app, it offered me a free trial period of 3 days and should I not cancel 24 hours before the trial period ended, I would be put on a yearly subscription. To ensure this does not happen, i…
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Flight delays and travel insurance observation
So just asking a couple of question and I know the answer to the travel delay insurance is to reduce claims payments We were delayed by 5 hours 15 minutes as the plane broke down at East Midlands Airport, The flight was from England back to Northern Ireland and I have already asked for flight delay compensation from the…
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Looking for an investment
I'm looking for something with a track record & good future potential to grow or yield around 5-6% annually over 5-10 years , monthly volatility is fine , low risk but some risk of underperforming but not more than 1% below BoE interest rates and very resilient to a tech sector crash, with reasonable good resilience to an…
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Saga holiday insurance
I have booked my first saga holiday with insurance. I rang to inform them I had a potential new condition having been referred to a consultant for a foot injury. They said the insurance would be cancelled if there was no diagnosis yet. Surely that’s what I took insurance out for - unexpected events? Is this right?
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Which? Power of Attorney Service - Scotland
I'm looking into Power of Attorney in Scotland where we don't have the same DIY form-filling options as England and Wales. Given solicitors charge around £400 for PoA, the Which? DIY service at around £69 (for both welfare and continuing powers of attorney) looks good value, complies with Scots Law and your completed…
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Car Finance Company Check Evans Halshaw
Hi, I bought a car on finance through Evans Halshaw Vauxhall in Borehamwood. I know the registration of the car but can't find any documents on the finance agreement. Does anyone know what company they used for their finance back then or any way to find out? I wrote to my bank for old statements but they said they didn't…
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Car insurance claim query
I had a (very) minor accident in December 2023. I suggested to the other driver that we leave it to the respective insurers to sort out liability as we both essentially thought the other party was at fault. I opted not to claim on my insurance but to pay for repairs myself which cost me £240 which will give some idea of…
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O/S Daily Sunday January 25 2026
Good morning all
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Fighting parking fine, at stage, after the defence submitted
Good morning all, I have a quite similar, or almost identical case like the one within the link below. The original topic is: https://forums.moneysavingexpert.com/discussion/5928855/parking-fine-wise-campus-bristol/p7 As well, I have a penalty ticket from UKPCM at BIPA college Bristol. Gladstone Solicitors involved, the…
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Cash house buying or 50% investment / mortgage
A bit of advice please , looking to buy my first property this year at the age of 50 this year. Have enough to buy the house outright if needed ( around 250- 300k ) but not too sure if this is the right approach.. Would it be sensible to use 50% cash for the deposit make up the rest in a mortgage ( around 4% ) and invest…
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Online Attendance Allowance claim form.
I have thread on here about getting a downstairs WC for my FIL. In that thread I got some advice about charities that help ex services people and RNBF contacted my FIL and said he could claim AA and would send a form to him. It has been 11 days and no form but his Royal Mail post only deliver once a week it seems. I had a…
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Dad’s Simple Estate…. and Probate.
My dear Dad died just before Christmas. His funeral took place on Tuesday. I was PoA for his financial affairs (he had never owned property) and am his sole Executor. He left a will leaving his estate in 5 equal shares to my three siblings and myself, with the final 1/5th shared equally between his three Grandchildren. Dad…
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Deed of variation
Seeking help in wording of deed of variation of will. Uncle died 18 months ago leaving small amounts to a charity and another to friend. Remainder of the estate (which is money held in saving accounts) to myself and my wife ( I am the executor). We wish to vary will so as to give our daughter a specific sum of money from…
