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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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    • 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.
       
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      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
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      • 16 replies
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Hello Everyone,

I need to write a letter for my neighbour she has a life insurance policy which is on her name solely and would like for her son on her death to be able to claim the money for her. Can someone please advise me the best way to draft the letter to the insurance company.

Many thanks in advance.

helen

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Hello Helen. Can you tell us what sort of policy it is please? Depending on the type, it may be a bit more complicated than just writing to the insurance company, but what your neighbour wants is usually possible.

 

If you're not sure about the policy, please post again and I'll try to help.

 

HB


Illegitimi non carborundum

 

 

 

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Hello Helen. Can you tell us what sort of policy it is please? Depending on the type, it may be a bit more complicated than just writing to the insurance company, but what your neighbour wants is usually possible.

 

If you're not sure about the policy, please post again and I'll try to help.

 

HB

 

Many thanks for your reply much appreciated it's an Over 50s Life Cover Plan I help her to set this insurance but now she wants me to write another letter to instruct the Insurers that she wants her son to be able to claim the money on her death. This insurance is to help with her funeral sorry to sound morbid but we are trying to sort everything out now whilst she can still sign letters.

 

If anyone else can help also it would be great.

 

Many thanks in advance

 

 

helen

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Hello. Don't just write a letter instructing them, it may not be how they work. Unless you can find something in the policy documentation that says they will accept a letter.

 

I think the best thing would be to ring the insurance company [or whoever set it up] and ask who it's payable to at the moment, unless you can find that in the paperwork from when you set up the policy, either the proposal form or the policy document.

 

If it isn't your brother who would be paid, ask the insurance company if they can make him the beneficiary or payee and what paperwork you would need. They should be able to send you a form or tell you what to write.

 

You haven't said why you are keen to do this while your Mum can still sign. Have you looked into anything like and Enduring Power of Attorney [EPA]?

 

HB


Illegitimi non carborundum

 

 

 

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Hello. Don't just write a letter instructing them, it may not be how they work. Unless you can find something in the policy documentation that says they will accept a letter.

 

I think the best thing would be to ring the insurance company [or whoever set it up] and ask who it's payable to at the moment, unless you can find that in the paperwork from when you set up the policy, either the proposal form or the policy document.

 

If it isn't your brother who would be paid, ask the insurance company if they can make him the beneficiary or payee and what paperwork you would need. They should be able to send you a form or tell you what to write.

 

You haven't said why you are keen to do this while your Mum can still sign. Have you looked into anything like and Enduring Power of Attorney [EPA]?

 

HB

 

Thanks HB for your time and advice it's not for my mother it's my neighbour my friend's mother i've mentioned about her a while ago when her mother went into a home. I thought about it more carefully and decided I will ring the Insurance Company on Monday and tell them what my neighbour wishes are I am sure the Insurance company would have a certain form that need filling in it's better to be safe than sorry.

 

Thanks

 

 

helen :)

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