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Found 3 results

  1. I was contacted on 13th October by Experian who informed me that they suspect an imposter had applied on-line to view my credit file. After a long discussion with their helpdesk I find out that the fraudster answered 2x security questions incorrectly but was still granted access to my full credit file. One of these questions was my DOB - REALLY !!!! I can not believe that full access was granted even though something as fundamental as my DOB was wrong !!! This individual has subsequently gone on to apply for credit and purchase items from many telecom suppliers, some on my account, including EE, Vodafone, Carphone Warehouse and O2. My Vodafone bill is currently over £1500, (Normally £16.00). Yesterday I was told that Apple Online had delivered £1200 worth of goods to my address and it was likely intercepted by the culprit before the delivery man made it to my door!! John Lewis is another store where a Credit card has been applied for in my name !! The effort and time involved in resolving this situation is huge, not to mention the stress and worry whilst the criminal aspect of the situation is dealt with. My credit worthiness will no doubt suffer as a result of this Although I can not hold Experian fully responsible for the actions of this "low life", I do feel they are responsible for giving him easy access to my details. What is the point of having security questions in the first place ????? I have sent an email complaint to Experian but heard nothing yet. I would appreciate any advice you can give regarding how best to deal with my stressful situation. Thanks in advance Nick
  2. monmia

    capital gains tax

    hello everyone Im hoping you can advise me a little i have just recieved a capital gains tax enquiry from 2008 regardging a property i used to own. When my father passed away in 2002 he left two properties and no will, so these properties passed to my mum. .My mum was too old to get a mortgage so she essentially gifted the 'other' property to the children. I took out a mortgage and paid off the mortgage for both homes and whatever debts my father left and house was put in my name alone. I and my brother lived there and it was also rented out for a short period. Then i got married. Me and husband bought another property which we moved into. so I owned two properties. I 'sold' the other property to my brother at undervalue... a gifted deposit of £45000...essentially , he just got a mortgage to cover the debts in my name(which is really the family debt..not mine alone) now the problem is, i have very little evidence to show that this property was ever a primary residence. all bills came in my brothers name.. i have just mortgage papers and property insurance papers we also done about £30000 of work to the house but can only dig out about 12000 mainly because my brothers done a huge amount of that work themselves So my question is do i go along with what all the official paperwork will show which is i bought the house from my mum and then sold to my brother.. and try and prove my residency and the work done on house...with very little evidence or should i try explain what actually happened and the family circumstances surrounding it. that it was gifted to me and my siblings and is essentially an inheritance..or will the taxman just not care? the figures are: i bought house for £75000 in 2003.solicitors papers do not state an undervalue but from land registry figures i think market value was about 100000..... In 2008 i sold to brother for £125000 .. he had the house valued..but papers will show it was at undervalue and i recieved £80000 how do i find out actual market values for that time period? THANYOU
  3. i often get earholed to help people this one is something i've no exp about. a friend lives and totally owns [no outstanding mortgage or anything] a large property with large amount of land. two sides of his estate have recent housing estates [5-10yrs] along them the rather large home builders have over many years exerted a reasonable amount of pressure & offers for him to sell the whole lot as he had a family etc he was never interested in their offers. through one thing and another [deaths, kids growing up moving out etc] he now wants to investigate selling up and moving strangely had the company approached him asking the usual questions recently obv this time he has shown a wee bit more interest in what they have to say than before. the additional land does not have planning permission but would easily get it with regard to the two bounded sides already having been developed. the deal is worth a considerable amount of money & would easily set him and all his extended family up for the rest of their lives with no worries he is concerned if he will have to pay capital gains tax [ and lose 40%?] as the company are asking him to get the 'option to build' sorted out prior to the sale. i know nothing about this game. can anyone enlighten me if he would get stung & lose 40% to CGT? there is far more to the story than this if its needed. thanks dx
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