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DMP: 2 x CCA requests? Credit Agreement and Affordability - Is it worthwhile?
Dear All, I am now 2+ years into a DMP with Stepchange, paid off over £10K with £25K to go. Debt free date is currently June 2030. I have a total of 10 creditors of varying amounts. In regards to some of my creditors I am wondering if it is worth doing a CCA letter for two different things but would be helpful (these are…
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First time buyer money from family abroad (for deposit) AML checks
Hi all My daughter and son in law now want to buy their first home together (currently renting) My son in laws family have offered to help with the deposit or money towards the house (around £70k) We are obviously aware of anti money laundering issues and want to ensure things don't get held up etc. Just wondered at this…
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IHT Probate and excepted estates
I am hoping you can advise Mother passed away 2023 will left all to her husband. 300k house jointly owned and father also has 110k in normal bank account and 12k in shares. Gifts may be below allowances. We will have to go through 7 years statements and bank stubs to check. We had to use our Amazon for all needs and goods…
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App or website where you can view all your accounts?
Hi, I'm looking for a WebApp or Mobile App (iPhone) where you can see all your balances in one place. I've got Cheddar but it is not working with First Direct, M&S and MBNA. I don't mind paying a few quid a month for good insights. Thanks, Al
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P800 for 2024/2025
Has anyone had their PAYE tax calculation for 2024/2025? My 2023/2024 tax calculation appeared in my personal tax account online on 20 January 2025. I am aware that they appear to have a permanent backlog but was wondering if there was any chance of mine being completed this year. Their message online says June to October…
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Mortgage got 31 months left but need new rate.
So my mortgage has only just over 3 and half years left til its paid. But my current deal ends in 6 months. Is it worth remortgaging or should I just fix with current provider? But if I fix with current, their offers are for 2 year or 3 year, so how would that work?
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Finding a builder
I'm trying to find a builder to do an extension on the back of my property and I'm not having much luck. The planner said he has a builder who can do it for me and he's been out and given me a quote which seems about right. The only problem I have is the guy doesn't have any reviews anywhere so I'm really not sure what to…
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How hot do loft conversion bedrooms get in the summer?
I know this is going to vary from conversion to conversion but the EPC rating shows it as WallSolid brick, with external insulationGoodRoofRoof room(s), insulatedGoodWindowFully double glazedGood The bedroom has 2 large skylights and one small normal upvc window. In the summer the sun would be directly overhead shining…
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Have you received Cynergy's notification of rate reductions
Cynergy have recently advised some savers that they are reducing the rates on issues 68 and 69 of their easy access accounts. Although some have received this email, others (myself and Mum included) have not. I have not seen a poll on this forum before so thought I'd give it a go.As Cynergy only have to notify you if the…
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Faulty Ipad Air
I purchased Ipad Air from Currys 14 April 2025. Device was delivered 19 April 2025. 1st of July i took ipad back to currys for burnt charging port fault. They accepted it under warranty and repaired it. 6 October 2025 charging port burnt again and i took iPad for repair back to currys. This time they sent it to apple and…
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Previous conveyancer failed to register title
Morning, I was hoping someone may be able to give me a pointer at what to do about this. I bought my flat 4 years ago and have recently agreed a sale. Whilst completing the first part of the conveyancing, my conveyancer advised me the property was not registered in my name, rather the owner before. I dug out the details of…
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Virgin Atlantic Reward Voucher vs Reward Points Booking
I'm looking to organise a trip to America next year for my other half's 40th and obviously I'm hoping to get the best possible deal through a combination of using either reward points, reward voucher, the time of year going etc. I've currently got 2 reward vouchers available - one that expires 2nd July 2026 and one that…
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onedrive 365 and libre
my last computer crashed, that i lost all documents. found some on onedrive, even though i had cancelled onedrive. I then had to do a reconstruct, and most of the precious photos from years ago, vanished. Sadly onedrive and computer duplicated files so i could not trace the latest copy, hopeless when running a bank account…
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Scottish Gas
Looking for advice about a dispute with Scottish Gas relating to my late fathers energy bill. He had a smart reader which did not work and we constantly complained about it. My Dad paid his bills even though they were estimates. He passed away in October 2023 and I contacted Scottish Gas who told me not to pay any bills…
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Shared ownership
If I lend my son the cash to purchase 30% share of a property on a shared ownership scheme can he mortgage it afterwards to pay me back. Just trying to speed up the purchase process as he has to move out of his rented flat in two months
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POPLA appeal has been unsuccessful - Horizon Parking Ticket
I cannot afford to pay this. what do I do.... Decision Unsuccessful Assessor Name R** A** Assessor summary of operator case The operator has issued the Parking Charge Notice (PCN) due to exceeding the maximum stay period. Assessor summary of your case The appellant has raised the following points from their grounds of…
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Court Defence Guidance
Dear all, Thanks for all the effort on the forum and helping us defeat the predatory companies. Now I’ve reached the court stage for my first time. Background: Parked in my allocated bay in the building’s underground car park which is accessible by fob or intercom, and shared with a hotel, this is managed by Capital Car…
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How to prepare myself (never received PCN)
Hi all! Received a “ WARNING NOTICE OF TRANSFER TO SOLICITORS” by the one and only GCTT for apparently being “parked in a restricted area”. I have read the newbie thread several times so I know to simply ignore these debt collectors. The date on the letter is in October yet apparently the offence took place in March, this…
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Bristol Airport no stopping- Notice of Dept recovery DCBL.
Hi guys, I’m sure this information is covered in the forum having a bit of trouble finding where to start so hoping someone can point me in the right direction. My partner received a charge notice from VCS for stopping in a no stopping zone. Pulled over into a lay-by just after the barrier exit from the car park to change…
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Mortgage, DMP and Looming Retirement
I kinda have a plan for this but I would be grateful to hear what people think. Scenario I'm 62, due to retire in Dec 2029 - only 4 1/2 years. We have a mortgage, 42k at 1.59% fixed until August 2026. I have 3 creditors Tesco, PRA, Sainsbury's, totalling £18k. We will both get full state pensions, but we have drawn down on…
