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Lloyds bank product transfer mortgage rates
I've been on the variable rate for ages for various reasons, on an interest only mortgage (bad financial decision). I'm not able to remortgage due to income (even though I always make my payments and overpay! I've seen a broker), so I am speaking with Lloyds about a product transfer. In the initial conversation which…
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Keeping afloat till I can get round to the debts!
So here goes with a brand new diary. With the financial situation across the country as it is I'm going paycheck to paycheck and debts seem to be going up not down. It's time to take stock. Focus on the money actually lasting the month and forming a new plan. I've never been one for following the American debt fella but I…
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Capital Gains Tax in an Auction Sale
My family are selling some items at an Auction House. Most are nominally valued, but there are a couple of items that may make a few thousand. Will the income be subject to CGT? (We didn't buy or were willed any of the items, it's just family stuff that's been in boxes for years and we're looking to auction it off.) Also,…
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Recommend a good conveyancer
I have made an offer on a house which has been accepted. I need a good conveyancer as don't believe some of the reviews online. Please recommend based on your experience of their service.
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G24 & DCBL - Parked Outside Marked Bay - Aug 2019 - Defense
Good morning all. I'm looking for advice on which approach to take to defend a parking ticket from 2019, which I have now received a Claim letter for. The story so far is: Wife parked the car, of which I am the registered keeper, over the white lines of a Dunelm Mill car park run by G24. This resulted in me (not the…
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Judgement for Claimant (in default) but I have replied
Hi Everyone, This message is AI-assisted to ensure clarity and conciseness, so please don’t be offended by its tone. I need help with a default judgment issue. Background: My business went into liquidation, leaving me with several personally guaranteed loans. I’m working with debt recovery agencies to delay or write off…
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Hive2 clock always 20 minutes late
Hi, My hive2 doesn't really accept that it's always 20 minutes late. I've set the right time 5 different times and in a matter of seconds it always went back to the wrong time. Is anyone else having this problem? It's really irritating. Thanks
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What determines a roadway
Hello, firstly I'm dyslexic and i get overwhelmed with too much information so im very slowly going though the newbies thread. apologies as i need to do this very slowly or i just won't process what's written i was parked on private land but on a private companies premises. I've received a letter from UKPC saying i have…
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2025 - No Craft Spending - We WILL bust my stash and make pretty things!!!!!
Another year and yet again another vow not to spend anything on craft supplies until I have used up everything I have. In all honesty I could open a shop and craft everyday and I would never be able to use all my supplies in my lifetime!!! I was really good last year and hope to be just as good this year too. Who needs to…
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Would you pay mortgage off
Currently have a mortgage for £46500 at 5.2% roughly £200 pound interest per month. I have max holdings on premium bonds and won average of £150 per month so far this year. The early repayment is 1% so about £465 it drops to zero in May 2026 should i cash premium bonds in and settle my mortgage been thinking about it a…
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Vehicle Tax Refund
Our son has high functioning autism, and lives independently quite a distance from us. He sorts out most of his life admin himself, with a little bit of help from his mother and me. In May last year he swapped his car, and received a vehicle tax refund cheque of around £140. He never mentioned it to us and we assumed all…
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Money Moral Dilemma: When should I tell my son I can't afford for him to go to a private school?
This week's MoneySaver who wants advice asks... My ex has registered our son for a private school entry exam and told him he can attend if he does well. He then informed me that, if our son gets in, he'd expect me to pay half the fees. He knows I'm already stretched to the max financially - even if our son got a…
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Transfer out or leave in, thoughts please
I have a pension pot with an employer that I left 20 years ago. The value of my pot has reduced drastically in the past 5 years from almost £400k to £200k. As it stands if I draw the pension now I would get £45k tax free lump sum and £6k pa. I have taken some financial advice and for £150k I can get an enhanced annuity…
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Slightly confused by these threads about penalty notices.
Please don't get me wrong, I am fully behind the advice given on these threads and find the whole site really useful. But I'm slightly confused by all the 'don't pay it'. 'get it cancelled', 'ignore it' replies when it comes to parking tickets. If every ticket can be fought and not paid then what is the point of them in…
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drafting up my claim defence
Dear all, thank you so much for all that you do here. I am helping out my dad with a PCN. It's a long story but after a change in parking management and a lack of communication from Premier Park we received a PCN. We live in a close and have a parking bay assigned to us. unfortunately the road have 5 different type of…
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ccj advise dcb legal
Hi wanted some advise on what to do in this instance. to keep it brief - got a parking ticket in jan 25 for Vehicle Not Parked Within A Marked Bay.- at the time appealed the fine but wasn't aware of this forum section so appealed online with a generic kind of reply about the vehicle being to big for the bay. they referred…
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Manchester Airport parking charge
I received a parking charge from APCOA parking saying that I had not made a valid payment. I appealed this charge as I had made the £5 payment straight away when I got back from the airport. (this was for a 2 minute drop off!). I then had to appeal the parking ticket. APCOA did not uphold my appeal. So I had to go to POPLA…
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Using Santander App for Cahoot only (Android)
Good morning, So, I've just discovered through here you can use the Santander App to log in with your Cahoot details, even if your don't have a Santander account... I already set up a nominated bank account for transfers (back to one of my other bank accounts) However, I just tried to do a test £1 payment transfer out into…
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What to do with credit from old supplier
Hi, I have recently switched energy supplier (using the Cheap Energy Club I might add, really quickly and pain free) and the credit I built up with my previous supplier has been refunded to me. As the winter months are approaching, I am wondering whether I should add this credit to my new account or not. If I do is it…
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Can Self-Employed Tutors for My Company Also Volunteer within my Company?
Hi This is my first post. How are you all? Hopefully, someone can help me. I want to start a for-profit tutoring business hiring self-employed tutors. I want my company to help a wide range of students, including disadvantaged students who cannot afford tuition. Would it be against the law to state in my job description…
