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Bankruptcy – how and when it can end :Cross Stitch – Money, tax and benefits

If you have been made bankrupt, you are usually freed from your debts after 12 months. Find out what you need to do when your bankruptcy comes to an end, how you can update your credit files and when your assets will be returned to you. Bankruptcy normally lasts for 12 months. After this time, […]

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Make a complaint about your pension provider :Cross Stitch – Do it online

The Pensions Ombudsman website allows you to make an online complaint about your pension provider. The Pensions Ombudsman investigates complaints and disputes about the way pension schemes are run. Complaints about the sales and marketing of pension schemes are dealt with by the Financial Ombudsman Service. If you would like more information before making your […]

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Taking medication abroad :Cross Stitch – Disabled people

If you are taking medication, make sure you take the right amount on your trip. There are some other things to consider too. If you are taking medication with you on a trip or holiday: make sure that you have enough for your whole stay – and an extra supply in case of delays or […]

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Barbecues and outdoor heaters: greener choices :Cross Stitch – Environment and greener living

Eating and drinking outdoors is hugely popular in the UK – Britons enjoyed some 100 million barbecues in 2005 alone. There are ways you can protect the environment while you enjoy entertaining outside. Try choosing charcoal made from sustainably produced wood and avoiding outdoor heaters. Wrapping up warm or going indoors when you get chilly […]

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Who manages parking and parking fines :Cross Stitch – Travel and transport

Congestion is a growing problem, especially around city centres, and car parking spaces are often limited. Many local areas have introduced a range of parking schemes to help. In London and other areas, there are controlled zones designed to make it easier for certain groups of people to find a parking space. Local traffic authorities […]

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Deposits, rent and changing a tenancy agreement – private renting :Cross Stitch – Home and community

Your tenancy agreement covers many of the legal rights and obligations for landlords and tenants. However there are other issues both parties must be aware of. Find out how to change a tenancy agreement, what happens if a tenant dies and information on rent increases and subletting. As a landlord, you can ask a tenant […]

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Directgov: Find out when you can check the accounts at your council

To find out when you can check the accounts at your council you first need to identify the appropriate local authority. Please choose from the options below, enter your details and click ‘Go’. This service is only available in England. Alternatively use a map to find your local authority Please use the links below to […]

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Choosing a good builder :Cross Stitch – Home and community

Carrying out building work can be quite stressful, disruptive, inconvenient and costly. To minimise the impact of any building work on you, it is important to take time to make sure you choose the right builder. The National Federation of Builders (NFB) provides a nine-step guide to choosing the right builder. If possible, start by […]

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Llywodraeth y DU :Cross Stitch – Llywodraeth, dinasyddion a hawliau

Mynd i’r prif gynnwys Nodwch fod gan y wefan hon system allweddumynediad llywodraeth y DU Gwasanaethau cyhoeddus i gyd yn un lle Hafan Cysylltiadau Ei wneud ar y we Newyddion Dydd Mercher, 3 Hydref 2012 Allweddumynediad llywodraeth y DU

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Declaring cash when entering or leaving the UK :Cross Stitch – Travel and transport

If travelling to/from a country outside the European Union you must declare any cash of 10,000 euros or more (or the equivalent in other currencies) to HM Revenue & Customs. Find out what you need to do to declare cash when entering or leaving the UK. You only need to declare cash if you are […]

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Audit Commission for Local Authorities and the National Health Service in England and Wales :Cross Stitch – Directories

The Audit Commission is an independent watchdog driving economy, efficiency and effectiveness in local public services. It works across local government, health, housing, community safety and fire and rescue services.

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Highways Agency Traffic Officers :Cross Stitch – Travel and transport

Traffic Officers from the Highways Agency help keep traffic moving and offer support for drivers across England. Find out about what they do and how they can help you if something goes wrong on your journey. There are around 1,500 Highways Agency Traffic Officers working to keep England’s motorway network running. There are Traffic Officers […]

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Bankruptcy – a guide :Cross Stitch – Money, tax and benefits

When you are made bankrupt, your assets (possessions, home, income etc) can be used to pay your debts. You have to agree to certain restrictions and your financial affairs will be investigated. Find out how bankruptcy affects you and where to get advice on dealing with your debts. Bankruptcy is one way of dealing with […]

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Choosing peat-free soils and fertilisers :Cross Stitch – Environment and greener living

Peat has only been widely used in gardens from the 1950s, but its use has increased since. This has led to the destruction of many natural habitats. Fortunately, there are alternatives to peat which work just as well or even better. Choosing alternatives to peat when you buy soils and fertilisers is one of the […]

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