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Gifts from Income
Hi My mum passed away recently and as executor I'm completing the IHT400 form in order to claim her RNRB, her NRB and the transferable NRB and the RNRB from my Dad who predeceased her. Total estate value can therefore be £1 million before we owe IHT. I'm stuck on the gifts from income bit - IHT403 - my Mum gave my sibling…
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Does this count as 2 DD's? for Nationwide switch
Looking to do a joint account Switch from Co op to Nationwide for the £175. Looks like a good account as we will get cash back on our spending. But does this count as 2 active Direct debits? Obviously papal is active, so that counts. The TV license comes out on the 1st Dec, but hasn't yet. The parent pay one I was going to…
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Use of Probate Services
Has anyone used a Probate Service (fixed fee) that they would recommend? I've seen it's possible to do it yourself and I might have to if the fees are too high. There's no property or assets but there is about 100K cash.
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County court Claim form, DCB legal, the airport pub Manchester
Hi All, Back in 2023 I parked and paid at the airport pub in Manchester. Some time after I started to receive those ridiculous looking debt collection letters saying “pay now” and “if you don’t pay, we’ll take it away”. I of course ignored those, but have recently received a letter of claim from DCBlegal (also ignored, I…
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Warm house discount assessment period.
My son has received a letter advising him that he is eligible for the £150.00 warm house discount. Which I assume will be added to my energy bill. As it was last year. He claimed UC, whilst out of work. He has since found work, albeit as a relief post eg filling g in for sickness and leave. Since gaining employment he has…
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Transfer Out Plum ISA
Has anybody successfully transferred out a Cash ISA from Plum? I initially opened an ISA with Cynergy Bank but as part of the account opening, Plum (Plum Fintech Ltd (Saveable Limited - FCA: 739214)), wasn't listed. I contacted Cynergy once the account was open, only to be told they only accept transfers from institutions…
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Moved: Zero launches 'Planet Safe Saver' ethical savings account
This discussion has been moved.
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Zero launches 'Planet Safe Saver' ethical savings account
Fintech app Zero's new 'Planet Safe Saver' account pays 3.66% AER (variable). It's currently the highest-paying easy-access 'ethical' saver, meaning it avoids funding fossil fuels, weapons, tobacco and similar sectors. It's not a top market rate, but 'ethical' accounts are something we're often asked about, and the rates…
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Login problems with Cahoot
I have a Simple Saver account with Cahoot for a few months. Last week, I attempted to login to the account and it would not accept the password that I entered, the one that I normally use. Have always had problems logged in too as was always returned back to the login page every time I clicked on a link. After a few more…
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My partner has been scammed TSB.
My partner has admitted to me tonight that he applied for a “marketing job” which essentially resulted in him sending money to various people via different apps. Tap tap send and lemfi. From his TSB current account. He has lost nearly £3000. We have spoken to TSB who have told us in the first instance to speak to these…
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Damp - How best to deal with it?
Attached some pictures of my damp situation. It is the external facing wall of my garage. I had 2 problems - sagging and broken guttering which has now been completely replaced. But my main problem now is the debris, rubbish and soil which has piled up over the years in a narrow ~25cm gap between my neighbours' garage and…
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Santander edge 3£ maintenance fee
I opened a SE account to get the introductory £175 so I also switched my account, set up 2 direct debits and paid £1500 into the account. I got the intro £175 and I have been charged £3/month from opening the account in may though October. They then stopped charging the fee. I am not earning enough cashback to justify the…
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Order for possession money owed
Good morning. A tenant stopped paying rent. Landlord insurance company's solicitor went through Section 8 and then Section 21 and then a hearing was arranged at a county court. I went to the hearing and the tenant did not turn up. The magistrate decided in my favour. An order for possession was sent to me by the solicictor…
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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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HSBC Premier changes
So I've had an email this morning about changes to the eligibility rules for HSBC Premier accounts. I know these changed for new customers last September, to the £100k income or savings thresholds but I'm sure they said that this would not affect existing customers. This morning's email directly contradicts this and states…
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Manchester Airport APCOA fine incoming
Hi All, I've recently started driving for Uber (3 months). Ive made dozens of trips to Manchester Airport and paid every single drop off and pick up fee. However, on Friday just gone I had two drop offs and one pick up and completely forgot to pay these ones. I realised yesterday (Sunday), logged in, but the visits had…
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Investment of £40,000
Hi. We're looking at investing £40,000. Were both retired (60), living off our personal pensions and rental income from a property we own. We're looking to invest £40,000 over 4 years into a medium risk investment. Any advice would be greatly appreciated.
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Aviation ADR - Challenge Decision
We had an issue with an airline and after going through the complaints process, we still were not satisfied and went to the Aviation ADR. We are not happy with their decision and wanted to know has anyone challenged a decision by them before? They mention in their letter there is no appeal and can only challenge the…
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Amazon charge
Amazon have emailed me to say that they are charging me for an item that they did not get back. They already paid out the refund whilst item was in transit. However, as they claim they did not get item back, they are charging my original payment method. The issue here is that Royal mail tracking shows that the item was…
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Just answer a clever con
I wanted advice about the value of my silver candlesticks. As a result I Google searched and just answer responded. Like the others I assumed the £5 was a one off payment and the ‘expert’ responded so quickly I had not time to do further checks. She seemed helpful and asked for pics. I said “I don’t want to pay any more…
