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    • 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 
    • 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.
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PH1978

Hillesden Securities 2nd redetermination

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Hello,

 

I am desperately looking for help with a CCJ issue I am having.

 

I received a CCJ for about £5,000 earlier this year from Hillesden Securities (represented by Aplins Solicitors).

 

I was ordered to pay £500 per month. I asked for it to be redertermined and the monthly payments were reduced to £60 per month.

 

I received a notice from the county court yesterday saying Hillesden Securities have applied for the CCJ to be redetermined again. They are actually asking to vary the order - is that the same thing? They say 'due to unforseen circumstances' they coudn't attend the last hearing and want to ask for a payment forthwith so they can seek a charging order on my property.

 

The first time it was redetermined I took along all my financial information and the judge decided £60 was a fair amount for both parties.

 

I have not missed any payments so how can Hillesden Securities have the CCJ varied in their favour?

 

I thought there was also a time limit for applying for a redetermination. It has been at least three months since the the CCJ was redetermined and more than four months since the original CCJ was granted.

 

They said they do not intend to apply for an order of sale and they simply want security on the debt.

 

My opinion is they should not even be in the position where they could apply for an order of sale until I default. A charging order is fairly extreme and shouldn't be a first resort. As Hillesden have a CCJ for the debt already, it would be easy enough for them to apply for a charging order if I did default so isn't that their security?

 

I am requesting an account statement from Hillesden Securities and will be taking all my financial information to the hearing but, for the third time this year, I am stressed and panicked about what the outcome will be.

 

Has anyone had experience of this? Is it possible to redetermine a charging order twice?

 

The redetermination hearing is at the end of November. If Hillesden won't give me a statement of my account I won't have enough time to make a subject access request. Does anyone know if they are obliged to give me a statement in less time?

 

I would be very grateful for any advice you can give.

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