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Stamp duty on outbuildings purchased 2019
Hi I bought a house with outbuildings in 2019. The outbuildings aren't suitable for living in. I've recently been targeted by ads for refunds on stamp duty on the outbuildings. A quick bit of research suggests this should have been made with 12 months - correct? I am assuming the opportunity has long passed! The…
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Car Insurance Arrangement fees - price comparison sites should have option to exclude
1st Central charges an additional fee of £50 to set up a policy. yet this does not show up in price comparison. It would be good if price comparison site result lists allowed users to exclude such companies in the results list, or, at the very minimum, to work with the full price including any such compulsory introductory…
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Excel parking claim
Hello everyone, I have a parking ticket from excel parking and this has now reached the county court level. I followed the advice on the forum. I appealed using the newbie sticky on the initial stage. I also replied to the letter before claim from their solicitor also using the guidance here. The only thing I haven’t done…
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Weekly Flylady Thread 14th July 2025
Welcome to the weekly Flylady Thread. What is FLYLADY? Well, it's our version of the US flylady idea - but we work on the principle that housework is not fun, it's boring, can be time-consuming, is often thankless but, unfortunately, necessary. It's here on Old Style to provide the support we all need and to make the whole…
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Help with parking charge
Hi, I was wondering if anyone could offer any advice.. My nanny (nearly 90 years old) had a hospital appointment on Friday. Her sister drove her, and my nan said she had to register her blue badge to her sister's car. When they got there, they weren't sure if it was definitely registered, so they took the badge and checked…
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SIPP v Stocks and Shares ISA
I read that only 15% of UK adults have a stocks and shares ISA as most don't understand them. I've spent today trying to understand how these work. I'm late 50s and due to working part time as I was a lone parent, my nhs pension will be 'adequate'. Lump sum as of March 2024 statement is sitting at £30000 and monthly…
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Discount of market value
Hi! If anyone on here has ever brought a house under DOMV ( discount of market value) or DMS scheme. Could you let me know if the reselling of the house was hard? Or if you have any advice to do with it
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Benefits help needed
Hi I'm married and we have a home that is in my husbands name only and we have separate bank accounts, my mum is recently widowed and isn't in the greatest health I need to move back down where she lives for approx 6 to 12 months to help her out she's due some ops and tests over the next year, I don't want to move in with…
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In process of buying sister out
Long story short my sister and I are in late stage of registering on land registry with solicitors, my share of 66. 5% and other sister 33.5% tho solicitors haven't sent off the forms off yet to land registry yet until we come in and sign forms next week, however we have since learnt the inheritance of her owning 33.5% of…
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park with ease -final reminder
partner look for a payment sign or machine at the time and couldn't see one partner appealed direct and denied.been getting few of these in her name. little concerned as we have been getting letter of claim and actual court claims for 2 others within 3-4 months. wondering what to do next. i haven't been so on this as not…
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Paying deposit
Hello, first time buyer aboutto complete on my first property this week (proud monet) To that end, how do i pay my deposit? Can this be a simple online payment! Do i need to inform my bank? I know my solicitor shoukd advise, however they do tend to be slow to reply, and i want to make sure i am ready to push the button.…
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EE retention offer (3 numbers on account)
I've been paying £7.5/month for 16 GB (4G data) for two numbers, and £9/month for 5GB (5G data) for one number. The prices include a 10% additional line discount applied, so the total was £24 per month. I've been out of contract for a while so I called EE CS to lower the price - which they couldn't, so I requested the PACs…
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IHT400 Pensions
Hello, Can someone please explain why I have to list the pension amount in box 56 of IHT400? I put it in and it adds it to the value of the estate but pensions are outside of IHT to the best of my knowledge. Should I then list them in the Exemptions and Relief section? Thanks.
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How will my cash ISA work?
I put £4k into a cash isa last tax year at around 4.2% interest. It was with the bank that I bank with already. This tax year, I transferred this amount + an additional £9k into their new fixed term (1 year) isa. Does this mean I've used £13168 of my £20k allowance? Should I have perhaps opened an isa with a different…
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Bargain roadside plants
Stopped at one of those "plants for sale" signs by the roadside. Now I'm not exactly an inexperienced gardener, so I mainly bought these three (£2 each) on the basis that I didn't know what they were so they might be something unusual. I think "? SORRY" is Polemonium pauciflorum "Sulphur Trumpets", and "Lysimanchia White"…
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Turntable for Sonos?
A major clear out of the loft and garage has revealed three boxes of 12" LPs that have been sitting there for about 20 years.We have a Sonos system in the house and were wondering about connecting a turntable to nostalgically listen to what we have - looking for something MSE ;)
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Santander are trying yet again to cheat business accounts holders
Every few years Santander try to renege on their "Free Banking Forever" contracts with thousands of business account holders, by moving them to a different type of account. On previous attempts, (2012 & 2015) MSE has got involved and the Financial Services Ombudsman ruled against Santander, saying that 'forever' means…
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Flat Share
I own a 2 bedroom flat. I let out the two bedrooms to different people unknown to each other when they move in. I pay the council tax and all bills.They pay a monthly rent everything is included. I have never had a problem in the past but I now have one renter moved out and the remaining one is playing akward with viewings…
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Unsure of rights after cancellation
Hello - my daughter booked an 8 day holiday to France on the holiday pirates website (using loveholiday.com) but the day before she was due to fly, easyJet cancelled the flight and she had to rebook a different flight via easyJet for 2 days later. As such, she lost 2 days of her holiday and therefore had to contact the…
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Private plate V750 wrong to person.
Hi, I bought a car from a private seller last week, 150 miles away from home. I drove the car home, and after 30 min's or so, my wife (she thought she was helping) took private plate off our old car (up for sale soon with original plates), and assigned to our new one. About another hour later, I get a message from seller,…
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Building insurance cover
My building insurance company has accepted my claim on the water damage caused by upstairs. Their third party contractor did the repairs by stained blocked the water stains and then painted (one coat) over the areas. However, the bubbling up areas can still be seen. I am trying to find out to what extend the repair should…
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Properties that say offers in excess of
Hi guys, any opinions/advice are most welcome Having recently lost my husband, I want to move nearer my sister. I'm totally on my own. I saw a house for sale with offers in excess of £270k, it only came on last week, and the EA said they have mega interest and 8 viewings were to be held over the weekend. As the house is…
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Siphoning Petrol from Hyundai i10?
How do you siphon petrol from a Hyundai i10 when it has an anti siphon in the fuel filler funnel?
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House for sale. Short term fixed rate mortgage?
Hi I have a second home that I rented out but ended the tenancy as I intended selling as my five year fix was coming to an end this August. The house is currently on the market but not shifting as quick as I would have liked. No offers yet! Is anyone aware of a short term fixed rate mortgage with minimal or no redemption…
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Self Assessment
Having a nightmare with my tax return on Self Employment pages. Last year 23/24 involved Transition arrangements as my year end was not aligned to the tax year so they prorata ed my accounts ending 30/06/24 using the part to 05/04/24. I then altered my year end accounts to 31/03 to make life easier going forward. So now I…
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Firestick
Forgive my ignorance but I really don’t understand what a fire stick is, especially whether it is an Amazon thing or generic. i have two Samsung smart TVs. One can no long access streaming services other than BBC iplayer. I understand this is because the apps have changed and I now need a fire stick. There seem to be…
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Advice on savings and ISAs
Hello everyone, I have recently managed to pay off some debts I had and I'm finally in a place where I can start saving consistently. According to my budget, I should be able to save around £700 a month. I already have a Save to Buy ISA (I opened it about 5 years ago when they announced they were going to stop the scheme),…
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Replacing Hive camera
Anyone got any suggestions? Hive camera unsupported from 1/8/25 would like something similar no subscription but with ability to record when needed, & obviously good picture.
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New PIP review your award form received July 2025
Hi all My daughter, aged 30, has a severe/profound hearing loss in both ears since birth and wears 2 hearing aids. She was awarded 8 points on communicating verbally and her award was ongoing (10 years) standard rate PIP. She has just received a review award form, 12 pages. From what I've read claimants are being advised…
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"Single Dwelling Unit Residential UG Potential Wayleave Issues" re Full Fibre - what does this mean?
My contract with Plusnet runs out on the 22nd - I'm currently on "part fibre" and it's been very reliable. Obviously I should have looked into this sooner but upon putting my number into BT's broadband checker, "Single Dwelling Unit Residential UG Potential Wayleave Issues" comes up re FTTP - what does this mean? I can't…
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Facebook unwarranted charges to debit card
Wondering if anyone can help in my fight against Facebook/NatWest in getting a very small refund on charges via Google Pay. Last month I received two charges to my personal bank account from Facebook ads (just under £15 in total). I don't have Facebook/Meta payments connected to this bank account in any way, and the only…
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BT Billing Me for months After Switching to EE — £300+ Lost and No Resolution
Hi all, I’m hoping someone here can help or share any similar experiences. Back in March, BT offered me a great deal to switch to EE (which they also own). I accepted and received my EE equipment on 26th March, with services activated the same day. Initially, everything worked smoothly, but it didn’t take long for issues…
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was I over charged
So I will try to keep it short I was just touring Germany on my motorcycle when I broke down I had breakdown cover and was recovered to the nearest Triumph main dealer. I new the problem was the fan and I expected them to just replace it, The dealer called me the next day at around 1 o'clock to collect the bike It was a…
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No Standing Charge Tariff
What happened to this ?Martin Lewis was supposedly working on this - back in February - but no more has been heard .....
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PmB phone claim
Hi folks, so I have been insured for years, only one claim about 6 years ago. Trouble is forgot to update details with new phone last year and I have cracked screen after a fall yesterday... Am I likely to be declined? Any experience appreciated Thanks
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eBay simple delivery restricted Items
So it appears that using simple delivery, if you are restricted to a courier like Royal Mail, eBay fails to recognize items that face restrictions with the chosen courier, Royal Mail. So the items are large power tool batteries that would be stopped via Royal Mail but possible through other couriers. Just wondering if…
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Continue car insurance or new policy?
I am buying a new car to replace my old car. I phoned my current insurer and they want to increase my premium and continue the insurance to March 2026 when my current policy ends. If I contact other insurers and using comparison sites the policy would run from when I take delivery of my new car (July 2025) until July 2026.…
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Possible actions to increase credit limit.
I have built up a Stooze pot on two credit cards, with a 0% interest rate that ends in December 2025. The total amount will be approximately £16,000 in December. I've also used other 0% fee cards and would now like to transfer both balances to a Barclaycard. Is there anything I can do between now and the end of November to…
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Cabin wireless access point - splitter needed
Hi, I have an Ethernet wire which runs from my house router to my cabin into a wireless access point. There are no Ethernet ports to connect a cable to my laptop to in the WAP. Is there such a thing as an Ethernet splitter that I can put between the the cable and the WAP which will allow one side to go to the WAP and the…
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Remove rust from bike chrome handlebars
My wife has a Dutch bike which has chrome handlebars. It’s been outside and the chrome is rusting. What’s the best way to bring it back to life without scraping off the chrome? I was thinking wire wool but it might be too harsh. Aldo what’s the correct paint to repaint the framework? Is it metal enamel? Thanks