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    • Thank you so much for explaining that to me much appreciated 
    • It's not so bad then.  1250L is the standard tax code, and means he can earn £12500 pounds without paying tax, and then just pay tax on anything he earns over that amount.   Due to technically being out of work, and claiming UC, and now going back to work, the code is saying that he will pay tax on anything earned over £6500 pounds now, but it is under review and should change within the next 8-12 weeks, and if he has overpaid in the meantime, then it will be refunded via his paycheck.   The only reason for this is I am assuming that while shielding, his company did not keep him on the books.  If HMRC have got a record of him being on the books, and claiming UC, this will be them determining that he hasn't been trying to fraud the system by being paid as employed at the same time as claiming UC.  Once they clear that up, then they will correct the tax code.  So long as all his earnings and benefits all add up and they are happy then it will be back to normal.
    • 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 
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borasic

Help please with CCA requests from Capital 1, Barclaycard, Egg and others

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I have requested pre 2007 CCAs from: Capital 1, Barclaycard, Egg, RBS, MBNA (x3 cards) and Citicard. Today is the last of the 12+2 working days for them to respond.

 

So far Egg have sent an 'Egg card agreement' with 'approved credit limit' and no mention of default charges payable so I have informed them the account is in dispute, although I am still paying them (please see below).

 

Capital 1 have sent me a copy of the signature page of the application form and seperate terms and conditions which they say were on the back and that this 'reconstituted agreement' is acceptable and they cite the Carne case 2009 where the judge ruled that these agreements are enforceable.

 

Barclaycard, have sent me their recent terms and conditions. They took over my credit card from Morgan Stanley, therefore I signed nothing with Barclaycard.

 

MBNA, RBS and Citicard have sent me nothing to date.

 

I am in a debt management plan with a company and am paying small amounts to all cards at the moment , even Egg.

 

Can anybody please advise if I'm doing the right things so far and what to do next, especially if MBNA, RBS and Citicard don't send any CCAs ??

 

Thanks in anticipation...

 

Borasic lint

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sorry I forgot to add they have all sent me default notices since I have been in the debt management plan..

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