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Am I entitled l?
Am I entitled to feel hard done by? Next week it will be four months since my offer was accepted on a house. Most of the time since has been spent waiting for conveyancing. I’m not in a chain because I’m renting. The sellers have a new build that is ready to move into, the company who’ve sold it to them are even getting…
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Found a pigeon fledgling - what to do
It was near garden fence and its mum was close by but flew off when it saw me. I've 2 outdoor cats so watched over it for 40 mins waiting for mum to come back but she didn't. Had to bring it indoors as otherwise cats would have eaten it. I've made it a nest hay/cardboard box, waterproofed with black bags and tied it to…
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Instructions in a LPOA
What kind of instructions are usually added to both kinds of LPOA to ensure your wishes are met after you lose that ability to manage your affairs
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Ebay International Buyer - VAT and IOSS number
I've sold something to a buyer in Austria. He has paid VAT to Ebay on the item and I have been provided with an IOSS number from Ebay. Ebay tells me: 'Please ensure that you share Ebay's IOSS number electronically with your courier'. However, when I go to purchase a postage label with Royal Mail, the box to enter the IOSS…
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Help for a 13 year old personal loan
I had a personal loan from a high street bank but stopped payments in 2011. At the same time I moved from England to Scotland. I've made no payments since 2011 nor I have had or sent any communication in relating to that loan. I recently got a letter from a debt collection agency saying they've bought the debt and asking…
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No pain management after surgery--how to address
Hi everyone. I had surgery two days ago which was meant to remove a kidney stone through the ureter (no incision). I had general anesthesia. (It's a big 11mm stone so needs treatment.) When I woke up I discovered that the surgery had failed because they couldn't get through to the stone (my tubes are too small).They put in…
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Howdens kitchen advice
I’m having a kitchen designed by Howdens fitted at the moment. The fitter has put the units at the correct height however I was hoping that the wall cupboards would have totally covered the electrics and I could just box in the cables. At the moment the top of the electrics stick out which is an eye sore. I’m thinking to…
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Damaged Honeywell programmable thermostat
My thermostat is damaged and needs replacing. This might be a stupid question, but if I just buy a new one, will it just work or does it need to be linked to the combi boiler somehow? If so, can a layperson do it, or do I need a heating engineer? The model is Honeywell T3R. Thanks.
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Which power of induction hob can I fit?
Our current hob state 5.8KW but when we use two of the four burners, they all turn off and show E signs. It seems to be on its on its own 32KW circuit and so I wanted to ask what the maximum hob size I could go for. My wife would like a larger (80cm) wide hob but I am worried that it might be too powerful for the…
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Fidelity SIPP 'Service Fee'
Hello, could someone clarify whether the Fidelity SIPP service charge applies if I only hold an ETF within the SIPP? For example, if I had £100,000 invested in VWRP (ETF), I understood that I would pay just £7.50 per month (capped at £90 per year). Would this be the only fee, or would I also need to pay their “Service…
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Very Store / Mail Order Account
Hello, I am in a bit of a financial mess and just starting to look at how I can dig myself out of it 🙈 I have a Very Store Card that I want to pay off first, as it has the highest interest rate. I owe around £490 on it. I have noticed that there are several late payment charges of £12 on the account. Do you think I can…
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Getting Scaffolding Removed From Property
Hi, I posted elsewhere that I employed a roofer to re-roof my house. They were paid for 50% of the job to cover materials etc, the final 50% was to be paid upon a survey. The work failed a survey, failed a subsequent roofing inspection and failed building control. The recommendation was to withhold all future payments and…
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Buying Notebook in October
A couple of months ago I was finding out about Chromebooks, but it looked like what I really needed was a Notebook.I didn't seem to be making progress in finding a particular Notebook, so I decided to wait until expected sales in October.I'm not much of a consumer so don't know details of the October sales - it's called…
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Tenants-in-common to single owner . Removal of restriction
Having bought out the other owner, should the 'RESTRICTION' have been removed? Current Land registry entry contains the following- Title Absolute(01.10.2024) Proprietor: That's just me now, was 'tenants in common' (03.11.2006) The value.... (03.11.2006) RESTRICTION: No disposition by a sole proprietor of the registered…
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Help finding new phone
Dinosaur sibling has Sony Expedia z1 compact on its last legs. Looking for something not too much bigger, happy to look at refurbs, fancy camera not needed, doesn’t want lots of bloat wear, budget £150 if possible. Really just wants it for calls and surfing. Suggestions please.
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Zable Balance Transfer
Hello, I have recently got a Zable Credit card with a 0% balance transfer until 2026. I have tried to move the balance of my Vanquis credit over to it, but although accepted by Vanquis, Zable keeps asking me to choose another card. Does anyone know why or come across the same difficulty?
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Dcb acting for Smart parking CC,
Hi Acknowledged already. Need to submit defence based on this particular PoC. Issued on 20 August.
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Septic Tank Cleaning Products
I have read a lot of information on what you can or can not use (officially) and just wondered as I am new to all this how it all works in reality. I know that bleach is a big no and will only be using in a very diluted way, but is it OK to use most supermarket items as long as you use them in moderation?? Toilet Duck…
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Free parking for 2 hours PCN
Hello! I have had the misfortune of needing to use this resource before to assist with a PCN where I was genuinely in the right (followed their bs terms). This time is a wee bit different. EuroCarPark, retail park, 2 hours free parking with a valid ticket. My dad and stepmum came to visit me and we went to a retail park…
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Am I insured
Just sorted out my learner daughters car insurance with Sterling Insurance - she is the registered keeper and the insurance us in her name with me and her dad as named drivers. I've had an email with is titled "Your online insurance purchase" and which contains the policy number, start date and start time. However, I have…
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Self assessment and tenants on univ credit
Doing my first self assessment this year and I have tenants in house I own they claim universal credit. Do I need to include this will the fact they are claiming UC means hmrc will check?
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Registration self assessment
Doing my first self assessment and on the registration is asking date untaxed income received from ? Do I put the start of last tax year there ? Thanks
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Giving partner an allowance?
Hi all, What are your thoughts on an ongoing argument please. I work full time with a salary barely above minimum wage, take home income around £1700. My salary covers the mortgage, all the bills and some of the food and running the one car we have. I have not much disposable income after all bills have been paid. My…
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0% balance transfer cc - eligibility checker, which housing option?
I'm wanting to check my eligibility for 0% balance transfer cards I don't fit into the accommodation categories. I live with my partner and our/my children in his house, we are not married and the mortgage is not in my name. I don't pay towards the mortgage. (I realise the obvious pitfalls of this situation but it's by…
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Can you rule out dry rot from visual and historical observation?
I am selling my house and my buyer's surveyor want a damp and timber report as she says there is a potential for dry rot. She probably thinks this because I damaged a couple of floorboards by dropping wet plaster on my laminate flooring, which damaged the surface of them 3 years ago. Though the integrity of these 2…
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Funds in SIPP
I have seven funds in my SIPP, and a small investment in FTSE 100 shares. One of the funds is Fundsmith, and in the eight years I've been running the SIPP its performance has been excellent, more than doubling in value in that time. However, the fund accounts for just under one third of my total investments. Is this too…
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Remortgage conveyancing timings
Hi, I am in process of remortgaging to a diffefent lender and already got a mortgage offer, conveyancer has my signed mortgage deed and their portal says nothing is outstanding as of yesterday (19/09). My current lender is Nationwide and ny current deal runs out at the end of this month. I left remortgaging quite late, as…
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Mozillion Data Allowance
We have recently switched to Mozillion from EE on a 100GB SIM only deal. After getting a warning of low data we checked on the account to find that only 2.5 GB of 75GB was remaining! So, it’s possible that 25% of the 100GB is only available for “free” roaming abroad! Awaiting a reply from Mozillion, but atm feel a bit…
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Council Tax Band - is it worth appealing
My house was first purchased on 16th April 1991 for £120,000 and is band F for council tax. I moved in last year and challenged my band as other houses on the same road and the next road which are of the same design are band E. Two of these houses were band F, but have been changed to E - i don't know when the change was…
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POC from DCB acting for smar parking
Hi all Would appreciate help please with this POC. Thank you
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Will my work pension be backdated when first paid?
I have a deferred
Final Salary pension with my current employer. The scheme was closed down over
a decade ago, and replaced with a Money Purchase one, as so many schemes were. I am considering
retiring soon and drawing this deferred company pension, but not the subsequent money purchase one for now. The work pension…
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Anyone worked out how to make a phone call to a contact using 'ok google, callxxx ' over bluetooth?
Time was when you could use 'ok google' over bluetooth to call a contact but that seems to have disappeared? Friends with iPhone seem to still be able to use Siri to do it - but not google on android. Is there a fix or a way round it using 3rd party apps?
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Yodel is rebranding to Yodel by InPost
I suspect sellers on Vinted all have received this message, not sure if they have also sent them out on Ebay as I don't use Yodel at all on there. "Hi, Earlier
this year, we announced that Yodel became a part of InPost UK. From 15th
September 2025, you may notice some changes as we update our brand to Yodel by InPost.…
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Retirement strategy, for comments
A thread I started yesterday about messing with my gilts received
the appropriate ‘how does it fit with your strategy?’ reply, which promoted me
to sketch this retirement plan. I have not used any template, just a blank
sheet of paper, so I am happy for the structure as well as the content being
critiqued as strongly as…
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Large letters RM delays
I know we have had threads regarding RM delaying letters and potentially LLs as well, but I've now had 3 'where's my item' messages in less than 24 hours. I personally think the buyers are being a bit prompt ,1 was sent Tuesday and 2 on Wednesday, but according to ebay all should have arrived by now. Luckily 2 of them were…
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2022 VCS PCNs on West Midlands park and ride
This is an FYI for anyone that may have had a PCN on West Midlands park and ride stations around 2022/23. During my recent tussle with them, I suspected that VCS' landowner authority to enforce parking services and bring about litigation lapsed for a period of time. Their code of conduct requires express written authority…
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My buyer's mortgage blocked by drain issues
My buyer's bank was blocked getting his mortgage, as their homebuyers 2 survey ideitified supposed drain issues due to a collapsed pipe. I got the water board company (Severn Trent) to perform a full CCTV inspection and there was no collapsed pipe and water was free flowing. They generated a report via email. Will this…
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Another Word problem - unable to edit document.
I've looked through the options/proofing but can't see any setting to change the problem. TIA
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End of Lease Dispute
I handed back my Leasys lease car on 13th August. My lease began 31 August 2023. A dispute was automatically raised as I wasn’t there (I wasn’t aware I had to be, it was my partner who was there when it was inspected and handed back). When I called to dispute the findings, I was told I had to wait and I would be sent the…
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Iceland: £15 Christmas Bonus
Iceland are repeating their Christmas bonus card offer. If you top up your bonus card with a total of £100 by 28th October, you will get the usual £5 bonus (£1 for every £20 saved) and an extra £15 credit added in November, so a total of £120 to spend for paying £100. The bonus does need to be spent for Christmas, but it…