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Late N180 and currently abroad, advice please
Hi, I am currently abroad having left on 14th June and have received word from my neighbour that my N180 has arrived with a return date of 14th June 2024. The letter itself was issued on 28th May, so how it has taken so long to arrive is beyond me. I am just wondering if there is anything I can do about this given that I…
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Claim form from DCB LEGAL LTD
Hello, my father has received a claim form by DCB Legal, the issue date is 30 May 2024. I am going to file an acknowledgment today but I noticed his middle name is not on the form. Could I please have advice on what to do next and whether I should file the acknowledgment with his middle name or without.
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‘Arrangement to pay’ on credit file..?
Hi, currently in the midst of looking to purchase a house, making an offer this week, and looking to go ahead..blah blah blah. I’ve just checked my credit file, as this is now a ‘hobby’ of mine..lol. I’ve noticed there has been an arrangement to pay at the end of may and June with Scottish power. I do not owe them a penny,…
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New to disability benefits- help pls
I have a close family member who had a severe stroke and has been left completely mentally and physically incapacitated and still in hospital many weeks later. On their behalf, an appointee has raised a claim for universal credit, which we understand to be the “gateway” to other benefits. What other benefits would someone…
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Inheritance and Universal Credit - Pay into pension
Hi All, Can anyone advise me please? My cousin is about to receive over £100,000 inheritance following the death of his Gran. I am one of the Executors of her Will. He intends to pay off his mortgage which is approx. £40,000. He has asked if he could pay some of the remainder into his work pension as when he retires it is…
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Moving abroad - best way to keep a UK address?
I'm moving to Thailand in a few weeks and I'm wondering what the best way is to keep a UK address. Could anyone help please? I'll be letting out my house which will generate a UK income. This money will go into my UK bank account (Lloyd's - I've had this since 2001) and will be kept for UK related costs (the house and…
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Best Credit Card for Cashback and Article 75 customer service
I have had a horrific experience with how HSBC treated my refund claim under Article 75. I am looking for advice on a good non-Amex credit card that pays cashback and that would give me a better customer experience when claiming a refund, thank you :) This is the story: To get a refund under chargeback or Article 75, HSBC…
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HLTA - Handing in notice
Hi. I currently work in a school and have recently been offered a job that is full time and not in a school setting. The school breaks up on July 18th and As a support staff I only need to hand in 1 months notice. If I could I’d want to hand in my notice in my current job as soon as I can and work until July 18th or 15th…
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Money Claim Court - Wrong Email Address For Case Progression
I am continually amazed at the incompetence of civil servant managers. I am trying to take Ryanair to court for denied boarding. I followed the instructions on the money claim website and the claim went off, I then followed up with the N215 Certificate of Service Form form and send it off to Ryanair's solicitors & the…
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Protective Award Claim Wording
I have offered to submit a Protective Claim award on behalf of myself and some ex-colleagues and have got as far as the "Statement of Claim". I have been searching Google for some example wording of how I should phrase the statement, but can only find a general template for Employment Tribunal Claims rather than one…
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Dyson Airwrap - Sold an incorrect model had hair in was 5 years old Dyson wont return or exchange
Can anyone help me. I went into the Dyson Trafford Centre store today and purchased a Dyson Airwrap, only to get home and realise the product was incorrect, was a different colour and had been used with other hairs attached to the accessories. I then went back to return to the shop to be told by the staff that the item…
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Minster Baywatch Parking Charge Notice (Swinsty Reservoir)
I recently received a Parking Charge Notice (PCN) from
Minster Baywatch (MB) as the ‘Parking fee covering visit duration was not paid
in full’. The PCN related to a visit to
Stack Point, Harrogate (Swinsty reservoir) which is land owned by Yorkshire
Water. Fortunately, (or so I thought) I had retained the parking
ticket I…
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Deterring Rats From Garden, Problem Neighbours
About six weeks ago, while working in my previously overgrown garden I noticed a rat running along the back of my property by the fence. I have dug out tree stumps and cleared any weeds down to the ground across the whole garden, with the eventual plan of having only well maintained grass and a few plants out there. My…
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AutoAid renewal extra charges - a cautionary tale
Our AutoAid renewal email has just landed. It includes an extra charge for the second driver and an extra charge for a car that's more than 15 years old. We have the extra driver so presumed that the company has changed its charging structure to show it as an extra rather than inclusive. Fair enough I guess. We don't have…
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Can I close bank accounts with mortgage lender?
I have a debit and credit card with Nationwide and want to take out a mortgage with them in a few months. I don't use the accounts so I want to close them. Does it help me to have existing accounts with them when I take out a mortgage and is it okay for me to just close the accounts?
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Advice please - fabric dyeing
Hello, I've got a white top which I never wear (white washes me out) so I want to dye it to a colour that's more "me". I've never dyed fabric before so would be grateful for advice on how to go about it. It seems quite simple to do, but what I'm not sure about is the composition of the top. The label says its 100% cotton…
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State pension forecast
I'm just trying to see my SP forecast and the web page is displaying a 'Sorry, we are unable to calculate your forecast at the moment' message. Obviously this is not what I want to see and it isn't urgent so quite acceptable, but the message also says 'Your State Pension forecast will be available on 29 May 2024.' Does…
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Property share when splitting relationship
Hi, a basic question. Let's say I move into my partners house, and I start paying half the mortgage. If we split, would I be entitled to half of the amount *after* I have moved in. Here's an example: I move in in 1995 and the property is worth £100,000. I then pay half the mortgage for 30 years 2025, and the property is…
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Early Retirement Help
I'd really appreciate a little advice. I work part time as a civil servant. I'd really like to retire at 60, I'm 58 now. Many colleagues are working on to full retirement age and think I'm foolish. But I've had enough. I don't have a lavish lifestyle, I have lots of hobbies and just don't want to work beyond 60. I'm just…
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Which property would incur CGT if a couple live in 2 different properties?
Hello, My husband and I bought our 2nd property and used it as our main home in 2016. The previous main home was rented out. 4 years ago we separated and he moved back to the 1st property and I stayed in the 2nd property with our child. He helps to pay half of the mortgage of my home (the 2nd property) as we paid off the…
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Landlord wants me to move during Fixed Term AST on Ground 1
Hello everyone, I recently had an issue at my apartment (simple fix, required a replacement part). The landlord asked if he could come check if everything is fine. After he arrived, he started telling me this story about how he's lost his job 8 months ago and hasn't found anything since; his father is suffering from…
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Where to get help for son starting Uni
My son is heading off to Uni in Sept and he will be the first person in our family to attend, so we are all pretty clueless about it and I'm trying to figure out how we can best support him. He was lucky to be accepted in all the ones he applied for. His preferred course was at Manchester however when we looked at student…
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Asda coupon scam?
Hello forum, Got all excited this morning discovering a £1 off the medium counter pizza deal at Asda - my better half loves those custom pizzas. Off we went and also grabbed a few other bits we didn't plan on getting (as you do), totalling about £21. At the till, I scanned my rewards app and the voucher. It wouldn't work!…
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Part time holiday entitlement
I have 2 colleagues that share a full time job. Colleague 1 works on a Monday and Tuesday and colleague 2 works Wednesday, Thursday and Friday. Colleague 1 is entitled to 9 holidays a year (not including bank holidays) and colleague 2 is entitled to 14 days holiday a year (not including bank holidays). Colleague 1’s full…
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Relief for finance cost on BTL
I have completed my self assessment for 2023/24 and I am not being given the full 20% relief of the finance cost that I had paid for the BTL property. I had paid £5,324 but it restricts this to £1,717 before the 20% is applied. This £1,717 appears as the first figure in my basic taxable amount under "Pay, pensions, proft…
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Help with investment please!
Hello there, I have 70K sitting in my cash ISA, which I save up for years! I absolutely have no idea on investments and reading about this on Google just confuses me! I really need to invest for better returns. I am 44 and happy to lock my money away for five years. Can you please let me know what exactly I do to invest…
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MSE Cheap Energy Club Calculator: No Octopus Flexible vs Octopus Fixed comparison
Not sure if I'm missing something, but if I enter my current deal (Octopus Flexible) in MSE Cheap Energy Club, it doesn't give me a comparison vs Octopus fixed. Is this correct?
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how much time to allow DWP to investigate?
Hi all, I have been claiming new state pensions for almost 4 years now. I was living and working abroad for many years including 2006 to 2019 when I returned to the UK. When I got my pension forecast it naturally said "year is not full for those days". I regret I did not check the details as it was rather obvious to me. I…
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Psst wanna save £1000 a year? More use of bikes
A surprising number of people especially pensioners do not really need a car with taxi services around. Scrap the car buy a bike you save on servicing,tax and MOT. You will also live years longer.Keep the car if you want.Use the bicycle for short trips!
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Pay off outstanding balances in full or not
I'm in position to clear all my four Credit card balances in full, approx £4000 1 Should I go ahead and clear the outstanding balances in full and close the accounts 2 Almost clear the balances just leaving say a £10 - £15 balance on each card and retain the cards 3 Almost clear them off (as above) and ask for a reduced…
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Are we stretching too much?
Hi all. We are ready to make an offer on a new flat. If accepted, our mortgage payments will be around £2600-£2800 per month. Currently, we live in our first flat, with a mortgage of approximately £2000 per month(2.7%, 13 years more to pay it off). After moving, we plan to rent out the first flat for about £2000 per month.…
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Ex husband blocking pension
Hi, My ex husband and I used to have a small business, and had a private pension with it. When we divorced He took control of the business (I had stopped paying into the pension some time beforehand). Since then I have heard nothing from him at all. We have zero contact and it was a bitter divorce. I have had no updates…
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Martyn Lewis VAT Law
You visit anything from a solicitor to a garage.At least half will give an estimate.Carefully leaving out VAT. Any supporters for a Vat rule/law that VAT should be included in all verbal,written,estimates or quotes.It may exist.Chaos still exists. We could call it the Martyn Lewis rule/law so it passes 1
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New digitised visas to prove right to benefits
Not sure where better to place this so please move if required.... A friend highlighted to me an article in the guardian about the deadline at the end of the year for getting a digitised visa for non EU residents in the UK. This bit struck me: "Biometric Residence Permits (BRPs) – given to all foreign nationals with…
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Drill Brush Set advice
Hi, I am thinking of buying a drill brush set to use for cleaning bathroom mainly but also for occasional use on hob, inside car etc. There seems to be a lot of brushes out there but in terms of quality and durability what can I look out for? Thanks,
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Probate nightmare, wills null and void
Advice please. I would be very grateful Applied for probate Sept 2023. I sent the Will and previous will, they weren’t in the best state. Process stopped and questions asked about staple mark so did a statement that explained previous will attached had come away but had enclosed previous will. Process stopped again and…
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Opening the Close Brothers 2-year fixed via the Hargreaves Lansdown Active Savings
The deadline seemed to be valid till the 12th. I opened the Hargreaves Lansdown Active Savings on the 11th, but I opened the Close Brothers account today. I don't understand wheather the 12th June deadline was for the Active account only or the Close Brothers too (current interest rate valid till the 17th). Basically, will…
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Direct Debit Calculation
Hi all, I like to keep track of all these things, so I have made my own calculator that calculates what I should pay for direct debit based off my current usage, and the current tarrif im on. This way if I find a new deal I can work out accurately what direct debit I should set us on. However, I am calculating the monthly…
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Balance Transfer
I have a number of cards currently with different providers all still on the introduction offer period. Two have largeish balances. One of which I am wanting to put off paying, with a zero fee transfer if possible. This is because I am expecting to have some bills come up soon for the house. Natwest (£5013.47) - end date…
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Two current accounts two saving accounts??
Hello. So was wondering if you have 2 current account with same bank/BS would you be able to have 2 saving accounts as well?