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LPA abuse
Dads been in a specialist secure Dementia care home for 4 years and family member was supporting him (lets call them TP) Dad died and I am one of the Executors. It transpires that in the last 6months an LPA for finances was registered with the Office of the Public Guardians (OPG) . However we can't understand how this is…
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Property and IHT pointers
Hi all, Hope this is the right place for this....... Married parents, father died Jan 2023 with less than £6,000 so did not apply for probate, as advised by a paralegal. Mother had house built in 1960s. Was in her name only initially on deeds. Had her son - my half brother - added to deeds in 1999 as advised for IHT…
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Another gifting question
I use the £3,000 allowance each year. Now that I have grandchildren I would like to make regular monthly payments to a savings/isa type account in their names so that they have something to splurge on when they are 18 (party, uni, travel, whatever they want). If that amount comes from income rather than savings, does it…
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Cerificate provider for an LPA
Currently completing the LPA for my parents. Need a certificate provider. I've read the rules about family but would this include the ex-wife? Mother of my three kids. What is the legal definition of family in this respect? I'm assuming because we have kids this would rule her out but wanted other input. We split up 9…
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Should my partner help pay for mortgage in my name?
My partner and I have been in a relationship for about 6 months and we are now contemplating living together. She would stop renting and would move into my house for which I got a solo mortgage about a year ago. The objective is for her/us to save the money spent on rent and for us to live a more convenient and intimate…
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Power of Attorney and Care Home fees
I have Power of Attorney for my dad who is currently living in a care home. He has full mental capacity and understands what is happing but just says, "I am happy to leave everything to you". As far as the care home contract states, I am the person responsible for the payment of fees and this is paid by direct debit from…
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Divorce / Documents required to re-marry
Myself and my ex-wife (both English) divorced in Spain, the documents that came with the divorce was 30 pages long, what documents do I require to remarry in the UK.
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Gifting money to Children
Apologies not sure if this is the correct post topic heading for this question Can my wife and i gift our 2 adult children £3000 each in a lump sum and also £3000 each from the previous year so ie £6000 each. Also what are the guidelines is it recognised as in the tax year April 6th to April 5th that you can do this So if…
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Civil Partnership vs Living Together?
We are a hetrosexual couple who have no intentions of getting married. We've been living together for a long time now and have mirror wills, but the although we have a joint account and spilt everything down the middle, the house and mortgage is in my partners name only (long story). Apart from being able to give my…
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Finding lost relatives who are abroad - whats best a professional company or online searches?
Hello , I am in the process of trying to track down some long lost relatives . I have used a few online resources ( findmypassed.com etc) I have only have limited success or far . The trail has gone a bit cold . I believe that they may have gone to Africa as these is a record of this but no record of their return.…
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Newly separated & husband hidden debt
Please can anyone advise? I am newly separated from my husband of over 30 years and I have found he has accrued over £33K of debt without my knowledge. I have been told that the debt is in his name only. My husband controlled all the finances, all my wages went into a joint account which he controlled and is in £500+ in…
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Money Moral Dilemma: Should I accept an expensive present from my boyfriend who owes me money?
This week's MoneySaver who wants advice asks... My boyfriend, who has been trying to sort himself out financially, got me a beautiful bike that cost £1,500 for my birthday. He says it's a larger-than-normal gift to say thank you for finding us our flat and helping him sort his life out. Yet he owes me a month's rent and…
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Power of Attorney and access to on-line bank accounts.
I'm currently doing my LPA for finances and property. I have named 2 attorneys. Have I understood correctly that my bank, HSBC, would either give one of my attorneys OR me access to my current account but not both of us or both of them? Does this depend on the bank? Thank you.
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Advice on girlfriend moving into my mortgaged property
So a little bit of background I purchased a property in my name around 2 years ago, the house is mortgaged and has 3 years left to run on the fixed rate (so not looking at moving or buying again anytime soon). I put a large deposit down on the property so there is a lot of equity already in the house (£85k+) as it has also…
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Cheap Ancestry membership
Just renewed at about 1/2 of going rate These are for 12 months tooAnnual Worldwide for £89.99 https://www.ancestry.co.uk/checkout/mli?direct=1&quantities=1&flow=3&offers=O-24532&rType=11 Annual UK Premium for £59.99 https://www.ancestry.co.uk/checkout/mli?direct=1&quantities=1&flow=3&offers=O-24531&rType=11 There is the…
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What am I doing with my life?
I wasn't quite sure where to post this, but it seems to fit best here. I am a 44 year old male and I am trying to work out what I am doing with my life and where I am going. This post may sound like I am unhappy or depressed, but I am not (I don't think!), just unfulfilled and it is probably fuelled by the time of year. I…
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Can this be fair? How how would you go about it?
So I own two properties and have about £120,000 in equity across the two. I would want to keep both of those properties whilst moving in with my partner. He claims he is asset, rich, but cash poor, but actually, neither of those are true, really. He earns about the same as me, but the truth is he Mortgage up to the…
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Care home following stroke
Trying to find out some info for a friend whose father enter a care home after being in hospital. The financial form has been submitted to the council and are waiting to hear back. There are certain things I understand but do have gaps in my knowledge. When is the needs assessment made? would that have been decided before…
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Claiming child benefit guide discussion area
This thread is specifically to discuss the content of the Claiming child benefit guide: Make sure you're not missing out on £100s or £1,000s in child benefit or on national insurance contributions that go to your state pension
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Deceased fathers care home fees
Hi thanks for listening and possibly advising. My dad went into a care home on a temporary basis on 27th December 2022 and was only made permanent on 1st December 2023. He sadly passed away on 9th December. Financial Assessment Team are only now undertaking a financial assessment. He has just over the threshold of £23250…