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    • Good Afternoon,   I am hoping to receive some advice regarding the below topic.   I was looking to purchase a property off-plan with a incentive attached and in order to secure this you pay a 'finder's fee'.     The fee was paid but then the property was un-mortgageable due to various reasons including the incentive being offered.   Having gone back to the agent to ask for a return of the finder's fee - they have refused saying that the incentive does not need to be disclosed and that essentially my broker is useless and I should use theirs!   Their broker also advised it would be hard to get a mortgage with the incentive disclosed which backs up what my broker has said.    This fee will now be kept on account.     I signed a form which confirms that the finders fee is non refundable - which was my error I should have checked if the property was mortgageable beforehand - however I wondered if there was anything I could do because:   The property is un-mortgageable - my broker tried all lenders including those who are happy with the incentive which was offered They have advised to withhold information which is clearly questioned in the mortgage application process   This is not a case of pulling out, this is a case that I cannot get finance and so cannot proceed.   Thanks in advance.
    • Hi all,  just wondering if i could get some help. me and my ex wife decided to get a loan back in 2017....i was continuing paying it but she didn't even though she promised me she would pay it as i agreed to it... and we split up in 2018, i was sectioned under mental health due to her behaviour.  short story... i came out 6 months later and she did not pay anything, my inbox was full, my phone with voicemails. i was not expecting this..... this loan was for £2000,    i tried to call her obviously she changed her phone number and email address, 2020 still not heard anything from her.... sent her letters she choose to ignore it.....   so i thought i come on here.... see you can make a complaint about responsible lending credit search.... behold just got a reply from progressive money....   i've also complained to amigo loans.... that is again she didn't pay anything... checked credit karma £11,876 on £7000 loans... hopefully something comes out of this....  - Summary Resolution Letter .pdf
    • Sorry it was 1250l before shielding he 
    • Is the 1250BR his code from before shielding?   Before shielding, the tax code would have been 1250 as this is the personal amount allowed to earn before tax. It should then have been followed by a single letter. The BR at the end means it is an emergency tax code, and that you receive no PFA, this is usual if you have more than one source of income.  This code means that all the earnings from this income will be taxed.   The 605T code is a temporary code, and shows that your tax is still being reviewed.   The changes in codes is due to the change in circumstances, firstly he was in work, then claiming UC while shielding (unpaid I assume), and then going back to work again.   They should sort themselves out, but you can always sign up to HMRC and keep an eye on the codes yourselves, and query anything with them as well.
    • Do as above, and we can find out if it's an enforceable agreement, often it isn't from Lowell.   But from another point of view, as long as they have your current address, why pay them if you only have £30 at the end of each month? It's not visible on your credit file, so won't affect your credit score in any way. This is in no way a priority debt.    
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
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Unscrupulous Nephew?

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In January our stepmother died leaving all her money and moveable goods to her nephew. Our father predeceased her and had left the property to myself and my two sisters, with the proviso that our stepmum could live in the property until her death. I was away when my father died 15 years ago but his will only went to probate 8 years ago when it suddenly 'turned up' when our stepmum wanted to make her will. The nephew had come from Poland in 1981, 7 years after our dad married his wife - there was no animosity between us, we chose her!

On dad's death the nephew gradually became a more frequent visitor. This was because he lived close by and claimed incapacity/disability benefit thus having the free time. Later he was given money 'claimed' for by mum to assist in weekly care. He did some shopping for her, household repairs and renovations and gardening for her, in addition to collecting her pension but was frequently away working as a restaurant fitter or holidaying in Greece with his girlfriend.

Because our mum died with c. diff. complications there was a delay in the funeral and there was also to be an inquest. We decided to all have a meeting at our mums house to discuss the will and the way forward. The nephew had been give £5000 cash he said, for the funeral expenses (she kept this hidden in a back room), though he did not contribute to the stone or grave. He brought out a will which we read, leaving all her property/moneys to himself and said no probate was needed as all was less than £5,000 and that he had been told this by the solicitor ( the same one as our dad's).

Later thing turned nasty when we asked for a few items which were ours as children to be given back - he had gone ahead before the burial and sold/taken what he couldfrom the house despite what we thought was an agreement to wait until after the burial. He deemed some of our items 'antiques', our mum and dad were ordinary workers, nothing of antiquity there. He then went on to accuse myself of stealing the English and Polish money plus the 'gold', hidden in the house. We did not have a key until a week after our meeting and by then he had been selling what he could (still before the funeral). We later found out that he removed the jewellery she was wearing in the coffin, including her wedding ring (which he had tried to remove before she died). It was then that the girlfriend resurfaced - they had pretended that their relationship was off - she acted as interpreter for him, placator etc.

Later on, when I was clearing out what was left I came across a statement of savings from 1998, in 2 accounts, totalling about £10,000. I contacted the building society who told me that the account was closed and that the nephew had withdrawn all money. He also took out her pension the day after she died and the week following, but i believe they are asking for it back.

Should the will have gone to probate? Given that he was claiming benefit was there anything he should have declared? something niggles...

We had the inquest last week where, with his girlfriend he represented himself as 'the family'. We asked for details of the inquest so we could attend and requested that we be noted as the daughters of her husband. Even though the inquest related to the death in hospital the nephew then brought up his belief that the community care was inadequate - this was not relatable to the inquest and was dismissed. I feel he was angling after compensation. Any comments?

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