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Renovation work post Brexit
We've recently sold our home thankfully for a decent amount. We have about £80K to completely renovate a fab property in an excellent location. Looking for advice on how the building trade is likely to be affected by leaving the EU. We can stay in temp accommodation whilst work gets done so technically no Covid related…
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Proteks
Has anyone else in Scotland had problems with Proteks (a company that provides wall protection solutions).I have a contract with them that they have not completed and are refusing to contact me to resolve the matter.
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H2B Scotland home improvement
Hello, so we bought our house 4 years ago under the help to buy scheme. We are aware that you are not allowed to go ahead with any significant home improvements without prior consent from scottish ministers. We are looking to get our garage converted and we know that this won’t be accepted as only certain circumstances are…
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Lump Sum
Hi, looking for some advice. I have a very small pension pot worth less than £2,000 as a lump sum when I turn 55 in a couple of months and was thinking of simply cashing it in as I already have two decent Occ pots. My question is, I was made bankrupt in early 2000s, being discharged in 2007, so there is nothing on my…
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Cost of care homes in Scotland
I sold my home when we married and only my wife’s name is on the title deeds as she already owned her home. I became the main earner and paid off the mortgage after 5 years of paying the mortgage. If she had to go into care of local authority, would the cost of her care be deducted from any inheritance for our children…
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Where to find cheap PO box alternatives in Scotland
I need a PO box for my business, but the Royal Mail's are £270+ a year. I cannot justify this expense because my business is very small. What would be my best alternatives in Scotland? Cheers.
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Process of a mortgage
I am looking to buy a house with a mortgage and have £19,000 in savings. Preferably would like to buy a 3 bed house under £100,000 but know that not many come by in my area at this price and willing to pay more with a 10% deposit. However me and my partner have credit scores in the 100s (ClearScore) so may need wait a few…
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Help needed
I ve been working for a company for the past year, I ve been told I’m contracted to 16 hours a week and was told I’d work a minimum of 16 hrs a week. So far I ve never worked the 16 hours and I ve only been paid for the hours I have worked, my question is, is this right or should I have been paid the 16 hours even if I…
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How to secure small building plot within garden grounds
Hello folks....I'm a recently retired tradesperson , with a desire to construct a small " Coachhouse or Converted Stable " 2 bedroom type of retirement home in my existing garden grounds...not far from Stirling/ falkirk...I've previously been granted outline planning for a large 5 bed dwelling ...but time has marched on as…
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Voucher refund
Hi, My mum purchased a makeup lesson voucher last year in the Black Friday sale from a local beautician. The voucher expired in June which she has said she will honour. I have asked for a refund due to not being able to use the voucher and don’t want it going to waste. She’s not giving me a refund, is this right? Am I…
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Self build mortgages
Can I get some advice on self build mortgages? We have got planning permission, building warrant and have decrofted the site, we have approx £80000 deposit, and reckon the cost of build should be £200000. We should be looking to apply for mortgage in November time this year with a view to build start in February next year.…
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Dental charges
My dentist in Scotland has called me to say although they are still closed for NHS patients I can go in for my scale and polish but I need to pay if I want to be seen where as usually I get free treatment. This is my routine appointment with the same Hygeinist but now I need to pay £29 usually I get my treatment free due…
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Gifting money
I wan to gift £7000 Of my savings to my son (over 18) towards his deposit for a house. Are there any tax implications for this amount?
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Digital doors open day 2020
https://www.doorsopendays.org.uk/visiting/ I love doors open day and seems like Scots are getting creative and going ahead digitally this september
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HMRC
I recently won compensation from the FSCS for a misold pension,do I have to pay tax on this ?? Thanks in advance of any comments
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Cavity wall claim help
I’ve owned my home 8 years. In March I had a small bubble on my hall wall and after Investigation the whole wall was soaked from top to bottom. Builder thinks it’s cavity wall issue as the insulation walls were packed and soaked and insurance won’t cover it as “it’s a result of an event over a period of time” and not…
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Claiming back missing payment
Advice and help appreciated. Self employed contractor, working in logistics. A payment (my wages for the week) was made to a closed bank account and redirected to source. Accounts department say they can't find it, business bank account say they will provide a proof of return to source document. This is 9 weeks ago. Bank…
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Hmrc
Has anyone else had interviews with HMRC in their latest recruitment campaign 2020? I had a video interviews in the last month, june 2020 Anyone with experience of HMRC recruitment know how long it roughly takes to hear back?
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Places to live within a 20 minute drive of Glasgow
Hey, I currently live in Wemyss Bay but me and my partner are planning on getting house much closer to Glasgow. I have family in Falkirk and they have family in Irvine so this is to give us more equal travelling distance (plus we like the idea of being within a 20 minute drive of Glasgow but not too near the city centre).…
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travel
my sister is on shielding until 31st july we are due to fly to Salou Spain 12th july which so far has not been cancelled what can we do? can we change our holiday to next year?ive tried getting through to TUI twice but not no luck.