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Group Income Protection Lump Sum Offer
Hello All - looking for a bit of guidance please - I have been offered a lump sum of £80k by the GIP insurer via my employer. I have been receiving gip for 22 years and have seven years left to run until I reach my retirement. My employer is currently making widespread redundancies and I can be made redundant even when in…
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Buying a house from the Church of England
I am currently trying to buy a house that is being sold by the Church of England, there are some very unusual clauses in the title deeds and I wanted to see if anyone has purchased a property from them and if they had the same included as they state it is their normal standard clauses always included. Land contamination,…
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Ill health retirement
Hello A bit of advice would be much appreciated…. My partner is about to take ill health retirement in a defined contribution scheme. He has over ten years NPA His two options would be Take an annual salary of £42,500 and a tax free lump sum of £189,000 Or Take an annual salary of £39,008 and a tax free lump sum of…
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Fertility Treatment
A bit of a clanger last weekend. boyfriend (owns own house in which we were living together) dropped the info that after a year of it being on the cards he no longer wants to pursue fertility treatment. We were going to be eligible on the NHS from nov but now i am a single female with a quoted bill of 10k from the…
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Disregards for universal credit
I am currently migrating to UC, can I check I have a structured compensation plan in place that pays monthly this is not over my savings and is liked to my life long injury is this disregarded.
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Sim Card for Burglar Alarm
Hi all, I've recently had a new alarm installed and it has a slot for a SIM card so it can dial our phones if the alarm is triggered. I was looking to get a pay as you go SIM and stick a fiver of credit on it so it's got enough to dial out if needed but hopefully any calls will be few and far between and I believe that a…
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CCA Requests (Zopa/Cabot)
Hi, I'm currently in the process of working through my 9 creditors to request cca's. (nearly £50k debt) all which was defaulted 6 years ago. Most loans and credit cards taken out 8-10 years ago. So far out of the 9 only 2 have managed to produce a CCA which look pretty good to me. Cabot originally advised they were unable…
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Latest HSBC data breach - personal identity theft
A couple of weeks ago I applied to open an HSBC Small Business bank account - only to receive the following email this morning: "We recently became aware of unauthorised access to a third-party platform, which held documents, images and contact information provided when you applied to open a new HSBC UK business banking…
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Refunds
Hi, Morrisons Supermarket have deducted monies from my Mums Halifax current account that differ from her receipts. The purchases were made in the Fort William store whilst we were on Holiday sin Scotland in July 2025. My Mum lives in West Yorkshire, England. We have spoken to Customer Services (CS) and they have told her…
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Sky Broadband Mid Contract Increase
I'm looking at switching broadband provider. Most of them now seem to state how much the price will increase each year, usually £3 or £4 per month. However Sky don't state how much there mid contract prices will be. Does anyone know how much the increase is likely to be on a £21 per month contract. Do they use a fixed…
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[LTD HMRC] Closure of the service to file your company accounts and tax return?
Hi All, HMRC is dropping the online filling service. This is their justification which I don't buy as how their own online form cannot meet modern digital standards and they push everyone to use proprietary software? Unless there is something free/open source I could use. They introduced this service like 14 years ago not…
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Small curved front bay window quote £650
We have had an accident with a tree branch smashing a curved glass window on the front of the house, (1 pane of the four in picture) size approx. 11 inches by 32 inches (across the curve) but the only people the tree contactor can find to replace say it will cost around £650 I wonder if anyone knows any one who could…
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Junior ISAs
This discussion was created from comments split from: Child savings.
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Opos Limted Email - Help!!
Hi, I have been sent by email from the above company the below any advice on how to handle it???? My Credit file is clear and has been for the last 15 years I've been with my partner as we've had a mortgage & credit cards together for that long. Any help would be appreciated. Contact Required.We are attempting to contact…
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How to query vat payment on a second hand item from usa
Hi, I've just been charged full vat on a second hand item I ordered from the USA. Cost $300 approx. This would have been zero VAT if I'd bought it here in the UK, does any one know the rate I should pay for this? And if I've been charged wrongly, how do I reclaim? Thanks in advance!
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House purchase - who handles withdrawal from LISA. Totally confused!
Hey all, have just exchanged contracts on a flat, finally. Throughout the process we've sent info to our conveyancer about my partner's LISA provider's requirements for making a withdrawal and she's just said yes yes, we'll do that when we exchange. Now we've exchanged, I've asked what they need from us to sort out the…
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APCOA Heathrow T5 appeal outcome help please
Hello all, In a bit of a pickle here and could do with some advice please. A PCN was received by the lease vehicle company as NtK from APCOA. They then sent the letter to the company who has hire of the car the PCN attached along with the transfer of liability letter. It claimed the authority (APCOA) would contact the hire…
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Fence ownership
I wanted to check if I have interpretated my Title plan for my house correctly I have red edging on the left hand side of my garden fence which subtly overlaps the fence, so I think thats my fence, however it does overlap the right hand side. So is that my neighbours responsibility? Neither have a T mark oddly. However…
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Train Station Parking Complaint
Good afternoon experts. Im hoping you can provide some guidance. Background earlier this year the driver of the vehicle I’m the RK for parked at a train station managed by national car parks. When parking at 07:00 the driver forgot to pay, and realised later that day (12:00). When notified I logged into RingGo and…
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1st Central excessive address change fee
I recently attempted to update my address online and found
the process extremely confusing. After finally reaching customer service, I was
shocked to be told that changing my address would cost £180—despite having only
moved one mile down the road to a better area. This charge feels completely unjustified and…
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Employment & Self-employment NI contributions
Hi there, I'm trying to navigate National Insurance payments as both employed and self-employed. Looking at my 2024-25 self assessment calculation, I wondered if anyone would be able to advise whether I needed to make the voluntary Class 2 payment or not. My employment income was £27k, NI taxed at source. Self-employment…
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Additional Sockets - rough price
We need two additional ( double) sockets in our living room.We have 2 double sockets already - in the wrong place (at skirting board level) - not flush mounted.Internal walls are all brick/plaster.Roughly how much are we looking at ?
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UC
Hi, in regards to applying for UC. I live in a rental, not employed(4 months), savings under 5k. But I own a studio, make abit of profit(tenant for 1yr) because of this I didnt bother with UC. but im thinking of selling up. If I applied UC how would I navigate the form due to having a tenant and not started the process…
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Second Home as shared Ownership
Me and my partner recently purchased by first home as a first-time buyer 4 months back. Both of us are working in same company which is now planning to close it's facility and making us terminate from position. My partner found job in oxford and we want to move there. While looking for renting options, even single bedroom…
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Does this report warrant putting in a PIP application?
Hi can anyone tell me if this report warrants putting in a PIP Application? The main way my pain affects me is i need to sit down for short periods stand for short periods and lay flat for short periods. I cant get much sleep also. MRI Spine lumbar(iemo4330) - some minor disc bulging lower spine, possibly some nerve…
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Annuity at 55?
Afternoon all! I turn 55 early next year and have a 45k pension pot from an old employer. I will have a decent pension from my current workplace when I retire at 67, however at the moment i'm not exactly 'comfortable' money wise - I have a reasonably decent salary but am single so all mortgage/bills etc are paid by me -…
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Can payment of a Legal Charge on property sale completion be deducted in CGT calculation?
Sorry this is long but I can't find an answer anywhere else! Summary of situation: * My mother and father bought family home in '78, they split up and father moved out in '82, later divorced amicably, mother stayed in house and they both retained Joint Tenant ownership of it (father happy for my mother to live in it until…
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Help advice sought
Hello. Im new to this so please bear with me if this is the wrong place to post this. I am currently talking to Step Change and completed their online form to enter a DMP (debt management plan). They came back with a monthly figure I need to pay. Due to a change in circumstances. I asked if this could be reviewed. The…
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Damp patches on carpet underlay
A while ago I noticed the carpet was damp around our bay window. When I peeled it back, I found significant damp patches on the underlay. The floorboards were also sagging and creaking, so I called in a reputable dampcare company, which said it was all down to inadequate ventilation. When they pulled the floorboards up,…
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Dental imsurance
I am looking to save money on a dental procedure and was wondering what my best option is. My dentist has diagnosed an infected root and says I can either get a free NHS extraction or pay privately, about £700-800, she quoted, for a complicated root canal that the NHS, in theory, should treat but will not [she says]. I…
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CONTENTS INSURANCE FOR A SECOND HOME
I have bought a very small flat which would be classed as a second home and am currently trying to arrange contents insurance for it. The first broker I've gone to is looking at a policy which doesn't pay out at all for the first 180 days. I can understand the reasoning behind this but I've never heard of such a long…
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Recovering money after the court ordered the defendant to pay
I bought a used car part from breakers yard. They sent the wrong part and informed them within the 14 days that the product was wrong. They would not take the product back and offer me a refund. I took the company to court after filing at small claima court. The defendant came and admitted in the court that yes they did…
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IHT400 - Box 118 ends up a negative number, is this right?
I've completed everything in the schedules, transferred all the numbers and I end up with a chargeable estate smaller than the combined NRB and RNRB - so in box 118 ('value chargeable to tax' I've written in a negative number that results from the calculation specified of Box 114 minus box 117. Is this correct or should I…
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Early retirement- capital to regular income
Hi I’m planning to retire in three years time when I hit 51. I’m hoping this can be to Cyprus but one of the rules there is ability to evidence regular income of £30k a year. I will have around £190k of shares to sell to fund the first 5.5 years in Cyprus until I hit 57 and can draw my pension. However, I don’t think…
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IHT forms process?
situation: two executors/beneficiaries on second parent will. Paid for a legal advice session which confirmed all is straightforward, no trusts etc, eligible for 2 x RNRB. Now going DIY. Both executors/beneficiaries in agreement (happily) and other person happy for me to make it all happen. No charity bequests, straight…
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How to check brake pad thickness without removing the wheel
Pretty much as the title states. Hearing a slight grinding noise from my rear pads, assessing the thickness of the pads especially on the inners is particularly problematic without removing the wheels or having the car on a ramp. Am reticent to take my car to places like Kwik Fit for them to tell me allegedly how much wear…
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What's your experience with Heat Pump quotes?
Hi everyone, I’m really interested in hearing from homeowners about your experiences with quotes for heat pump installations. Specifically, I’d love to know how you feel about the proposals you receive after a site visit and heat loss survey has been done. * Did the quotes feel clear and easy to understand? * Were they…
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Leather Seat Pad
The thin 'leather' covering my office chair is peeling. Anyone got any recommendations on sourcing a leather pad to cover my blushes?
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DRO now or later?
Hi everyone I’m in £43000 debt and gone through the process with step change who have recommended a token payment plan and a DRO. I think the reason they have suggest the token payment plan is because I told them I am expecting my income to change - next month I am starting a new job and getting a £6000 pay rise. I receive…
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Calculating adjusted net income with BIK
Hi all, for the first time I need to complete a self assessment to calculate the higher rate child benefit charge (HICBC) but having been PAYE all my life I am slightly confused about how to calculate adjusted net income (ANI). My taxable income for the year (from salary + bonus & overtime) is £66415 but I also have a…