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Mortgage overpayment
Hi all Can you makes sense of this for me coz numbers and I don’t go together. 😂 We are due to remortgage end of December. We will owe £290k. We have £50k savings so are going to pay that off so we need to now borrow £240k. I’ve been on a mortgage calculator and I can’t understand Why in 5 years time the balance we will…
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Reducing IHT via rental property transfer
My 80 year-old mum owns a flat which she rents out for income. There is no mortgage and it’s worth about £400k. She also has a mortgage-free residential home worth about £575k. We’re wondering if there’s a way to put the rental property into some sort of trust in order to reduce IHT? She has five children and no spouse. If…
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Student Bank Account Incentives Maximisation
Hi all!I've been looking at the student bank account incentives, and was wondering whether there could be a similar method of using them as with the switching bonuses I saw on TV - where people would have an account they'd use just for the cash incentives. If I close an account, will I lose the bonus like the tastecard or…
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Euro Car Parks - Knowle Park Cranleigh
As the keeper I have received a parking charge by post from Euro Car Parks for not paying to park. The signage was not clear and was not noticed while parking. The payment machines were located on the opposite side of the car park to the exit taken. Unfortunately the noticed was received too late for there to still be…
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Is Coventry Login broken?
Can't get in this morning
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Partial retirement and the Civil Service Compensation Scheme
I took partial retirement from my civil service job when I turned 60 last year. Slightly before I took PR I was moved to the Alpha Scheme. My new pension age is 67 under Alpha. My role is now being restructured and Voluntary Exit is being offered. I am finding it difficult to understand how my PR will affect what I might…
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Planning objection help
Apologies if this is the wrong place. I would welcome experience of others. In short the office block nearby wants to adapt the building to make it lab-space ready. The adaptations - erection of a substation, numerous DX Units, roof and ground floor ventilation and emission infrastructure suggest (there is a lack of detail…
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Small Business, Big Debts
Hello all Debt free wannabes! :) I posted on these Forums over 10 years ago, and it made such a huge impact on my (successful!) attempt to get debt free, but a LOT has changed in the last 10 years, so I’m back again! The accountability and kindness I received back then was invaluable to me, so I hope to bring some of that…
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If did not receive their WS by the deadline, what does it mean?
This discussion was created from comments split from: **NEWBIES!! PRIVATE PARKING TICKET? OLD OR NEW? **READ THESE FAQS FIRST!** Thankyou!.
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Trading 212 Sort Code
What is the Trading 212 sort code? I wish to transfer to another provider but I cannot proceed until I get the sort code.
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Hay/Timothy Hay in bulk for guinea pigs
Hi, just wanted to know whether anyone who has guinea pigs uses a local supplier for bulk hay/timothy hay, as opposed to buying from pet shops. Thanks!
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O/S Daily Thursday 14 August 2025
Morning folks
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The Long and Winding Road
This seems like an appropriate thread title given the very long path we have to walk to get even close to mortgage free, but we're certainly thinking about it and have been taking note of small milestones already. Hopefully this thread will see our walk turn into a canter. Except with one significant and self inflicted…
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Maturing ISA Questions - Tax charged on interested earned when moved to another account
Hello folks, Hubby and I each put £20k into fixed-rate cashISAs last year which have now matured. We want to transfer the £20k into different ISAs with better rates for this year, and access the interest we have earned on it. I have two main related issues I would love some clarity on. 1) The longer-term implications of…
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CEL/DCB Legal PCN - CNBC Claim - Defence Assistance required Please
Hi all! Thank you for your time and dedication to MSE. I have been reading through many threads and looking through the recommended threads that get pointed out all the time! I am currently writing up a defence - below is the claim form - Claim Form (Civil National Business Centre) issue date 28 Nov 2024. - DCB Legal…
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TalkTalk transfer to utility warehouse. Is this legal?
Just received an email from my broadband provider TalkTalk today 21st July that as from 30th June I've been 'selected' to be transferred to Utility Warehouse where I will 'benefit' from extended services to customers across the UK. The email states that beyond award-winning services, Utility Warehouse helps customers save…
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Insurance Occupation Madness
Just been trying to work out the correct occupation to declare for a trainee solicitor's car insurance. I was looking at the options on your site and noticed that the cheapest legal occupation to declare is a Sheriff's Clerk, who would pay £325. The most expensive occupation is a Sheriff's Officer (ie the same job in most…
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Roboform etc
Hi all, My Roboform is set to expire next month, before I renew I was just wondering as to what people are using currently incase I should be thinking about switching Hope everyone has a good comping year!
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Building credit after completed IVA
I completed my IVA last October and have recieved my certificate of completion now. Sometime in the future I would like to buy a house and get a mortgage. How can I build my credit rating back up so that I can get a mortgage in the future?
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Why doesn't the DVLA tell you if a vehicle has been scrapped??
Hi all. Very strange considering you can find out MOT history, car tax check, and even insurance (via MID). Why the supposed secrecy with information about scrapped vehicles?
