http://www.moneysupermarket.com/community/forums/money-amp-finance-64.aspxWhich is the best savings account? Which credit card should I choose? Will I get my mortgage? How do I deal with debt? What's going on with bank charges? Our community experts can help...<BR>Please read our <A href="/community/forums/t/moneysupermarketcom-user-community-standards-15449.aspx ">Community Standards</A>.enCommunityServer 2.1 (Debug Build: 0.2)http://www.moneysupermarket.com/community/forums/t/rbs-amp-lloyds-what-do-you-think-39409.aspxTue, 03 Nov 2009 10:36:30 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167602Graeme Delap1http://www.moneysupermarket.com/community/forums/t/rbs-amp-lloyds-what-do-you-think-39409.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=167602 As you&#39;ll no doubt have seen or heard, this morning&#39;s breaking news surrounds further financial stability measures for Lloyds Banking Group and Royal Bank of Scotland and their participation in the Government&#39;s Asset Protection Scheme (APS) which aims to protect banks from the full effect of &#39;toxic&#39; loans. It has far-reaching implications for you and me and means yet another major bank shake-up. The government claim this means a significantly reduced risk for the taxpayer, but what do you think? Is this good news? Will it mean increased competition in the banking industry? Will you and I see any benefit? In summary: Lloyds Banking Group Lloyds, 43% of which is already owned by the taxpayer, has managed to avoid entering into APS but at a cost: it will have to pay the Government &pound;2.5bn to simply avoid the scheme, sell-off 600 branches including the TSB brand and sell the Cheltenham and Gloucester mortgage brand and the online Intelligent Finance brand. They will also raise a further &pound;21bn from a rights issue &#39;swapping&#39; debt for capital. Royal Bank of Scotland RBS, unlike Lloyds, will enter APS - meaning &pound;282bn of its assets will be insured by the taxpayer. There are other serious implications for the bank: it will cost them &pound;700m per year to participate in the scheme and cost &pound;2.5bn to leave. The government&#39;s stake in the bank will increase to 84.4% (although its ordinary shareholding remains at 70.3%). Over the next 4 years, RBS will sell its RBS branches in England and Wales, its NatWest brand in Scotland, RBS Insurance (including Direct Line, Churchill, Green Flag and Privilege), and its card payment company, Global Merchant Services. Clare Francis analyses this in more detail in her article &lsquo;What will the bank break-ups mean for you?&#39; Does this worry you and leave you concerned about the state of the taxpayer&#39;s involvement and the implications for the economy? Do you work in the banking industry and will be directly affected by these measures? Click reply to share your thoughts and have your say... http://www.moneysupermarket.com/community/forums/t/credit-file-34019.aspxWed, 15 Apr 2009 17:02:54 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:146090nikki20099http://www.moneysupermarket.com/community/forums/t/credit-file-34019.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=146090 Hi I wonder if you can help I have credit searches on my file from companys who have carried out searches without my say so. The companys are royal & sun alliance insurance plc, who have carried out several searches all of which are unrecored but I stil do not know why they have done a search for. The other company is RBS PLC IRO Churchill partnerships, who have carried out 3 searches all without my approval 2 of which were on the same day and were insurance quotations. I am unsure if the two companys are linked in anyway. How would I go about finding out and getting these searches removed as I think they are effecting my chances off getting credit? thank you nikki http://www.moneysupermarket.com/community/forums/t/advice-please-friend-moving-abroad-39826.aspxFri, 20 Nov 2009 16:23:37 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169246jimboban1http://www.moneysupermarket.com/community/forums/t/advice-please-friend-moving-abroad-39826.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=169246 Hi All, Would greatly appreciate some advice on the following scenario. I have a friend who is returning home (abroad) after being a resident here for 2 years - and wants to close &#39;operations&#39; in this country and leave in the best way possible. Thoughts: 1. She currently has a mobile phone contract which is only 6 months into a 18 month term. Clearly when she leaves there will be no salary coming in with which to pay the contract (nor could she use the service) 2. She currently has a &#39;premium&#39; bank account which is 6 months into the 12 month minimum term (12 a month or somesuch) 3. She flies out on the 27th - which is the same day as her final salary payment. (Which she needs!!) 4. She does not have the funds to pay a settlement for either the mobile phone contract or the banking contract 5. She doesn&#39;t intend to return to the UK - but would like to avoid a bad credit history / having debts against her name - although clearly she would be unlikely to be chased for UK debts whilst living abroad (given creditors would have no idea of her wherabouts) I can&#39;t see a clean way of sorting things out - clearly if the bank account remains open, with no salary going in and no funds remaining then when the next DD for the mobile contract (only DD set up) tries to take funds it will fail and the bank account will incur charges - which will snowball over the next few years...and I presume make life somewhat complicated if ever she did return... There is a possibility she may be able to find the funds to settle the bank account contract, thereby enabling her to close the account properly before she leaves - I see this being a slightly better way of doing things - although obviously the mobile contract debt will still roll on and on... What do people think the best way to play things is? Cheers Jim http://www.moneysupermarket.com/community/forums/t/ccj-ends-after-6-years-now-being-pursued-again-2090.aspxThu, 21 Dec 2006 16:16:25 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:6328Trossachs15http://www.moneysupermarket.com/community/forums/t/ccj-ends-after-6-years-now-being-pursued-again-2090.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=6328I had a Barclaycard some years ago, got into a lot of trouble and defaulted with a £3,700.00 debt. A new company has taken over the debt and is demanding that I pay. I have just called to work out some settlement figure and have been told that they will knock off £400.00! I was thinking more in line of a full and final settlement of £1,000.00. How do things work after a CCJ has expired and can a new default be registered with this company against me if I do not pay?http://www.moneysupermarket.com/community/forums/t/the-queens-speech-your-thoughts-39770.aspxWed, 18 Nov 2009 13:21:52 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168999Graeme Delap1http://www.moneysupermarket.com/community/forums/t/the-queens-speech-your-thoughts-39770.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=168999 Well, another state opening of parliament, another Queen&#39;s speech. What did you make of it this year? There&#39;s little there that we weren&#39;t already aware of, and it&#39;s fairly short on details but, putting the politics of how and when these reforms will be implemented to one side for a moment, there were a couple of snippets that caught my eye: The Energy Bill - will introduce compulsory social price support to tackle fuel poverty and protect the most vulnerable consumers. It will also require Ofgem, the energy watchdog, to actively step in and protect consumers when necessary and to consider longer term actions to promote competition between providers and tackle market exploitation. Financial Services Bill - it will introduce a national money guidance service, to be delivered by a new Consumer Financial Education Body. The bill also aims to make sure there is greater support and protection for consumers of financial products as well as enabling a consumer representative to bring an action through the courts on behalf of a group of consumers. It will also outlaw unsolicited credit card cheques to prevent financial institutions from encouraging customers to borrow more than they can afford. Fiscal Responsibility Bill - full details will be outlined in the Chancellor&#39;s Pre-Budget Report on the 9 December, but its primary purpose is to halve the national deficit over four years - which currently stands at &pound;825m. Digital Economy Bill - aims to tackle copyright infringment through a consumer education programme and, if necessary, allowing firms to disconnect persistent offenders. The bill also gives Ofcom new powers to review digital infrastrucure every two years. Flood and Water Management Bill - after the floods of 2008 caused around &pound;3bn worth of damage, this bill aims to provide better protection for homes, communities and businesses from the risk of extreme weather. As usual, the full details and implications of these reforms will no doubt emerge over the coming days and weeks, but what do you think? Do you welcome these proposals? Will this give you more confidence in the financial system? Is this a good thing for the future of Digital Britain&#39;? http://www.moneysupermarket.com/community/forums/t/best-way-to-go-39804.aspxThu, 19 Nov 2009 18:37:17 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169139fish21http://www.moneysupermarket.com/community/forums/t/best-way-to-go-39804.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=169139 my husband and I have several loans and C/C&#39;s which we are currently managing to pay although we did incur some arears on our Mortgage at the start of the year. however our month to month money is always more than we have and it will not be log before we are not able to pay something. also we have a baby on the way and my pay will be SMP only which will mean we cannot manage our payments. what is the best route for us to take given we do not have ay Debt at the moment. http://www.moneysupermarket.com/community/forums/t/rubbish-britanniaphoenix-endowment-39787.aspxWed, 18 Nov 2009 21:15:56 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169068NorthernAngler2http://www.moneysupermarket.com/community/forums/t/rubbish-britanniaphoenix-endowment-39787.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=169068 I&#39;ve just (today) received my Britannia mortgage endowment statement. I pay in &pound;390 per year on a 25 year policy. That will be a total of &pound;9,750 paid in. The return is forecast to be...&pound;10,700. That is 9 per cent in 25 years. Approximately 0.3 per cent per year. I don&#39;t mean to be disrespectful to the experts that Britannia/Phoenix employ, but they could get more in the Post Office. That is 25 years which will have seen many stock market booms. I really find it hard to believe that they can only manage 0.3 per cent. Does anyone know how much they gouge from me in fees? Is anyone in the same position with the Britannia (which does not want to know)? It seems that Britannia/Phoenix just see we customers as captives to be ripped off for fees - because I can&#39;t believe that 0.3 per cent per year is the best they can do. http://www.moneysupermarket.com/community/forums/t/renting-but-have-a-mortgage-39772.aspxWed, 18 Nov 2009 14:06:59 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169010pammie1http://www.moneysupermarket.com/community/forums/t/renting-but-have-a-mortgage-39772.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=169010I left home to set up with my partner leaving my 2 grown up daughters and their boyfriends in the family home paying an unofficial peppercorn rent. There is about 18 months left on the mortgage and I have now split up with my partner leaving me homeless! Will I be able to rent a property bearing in mind that my credit report is not too brilliant but no ccjs or bankruptcy. The mortgage takes up about a third of my income. Many thanks pammiehttp://www.moneysupermarket.com/community/forums/t/tax-on-rental-income-39769.aspxWed, 18 Nov 2009 13:11:25 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168992Dylans Dad1http://www.moneysupermarket.com/community/forums/t/tax-on-rental-income-39769.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=168992 I am about to move through work and will need to rent out my flat. The rental income will be around &pound;400 per month LESS than my mortgage repayments. How do i stand on having to pay tax (if any) on this income? Thanks http://www.moneysupermarket.com/community/forums/t/fisher-wealth-management-39762.aspxWed, 18 Nov 2009 08:57:07 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168961Dizzy22203http://www.moneysupermarket.com/community/forums/t/fisher-wealth-management-39762.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=168961 Could anyone help. I am considering Fisher Wealth Management to inves with but the only information I can find out about them is what they send out. I have searched the internet to the best of my ability but am unable to find any independant opinions. They sound good but would like a bit more insight. Many thanks http://www.moneysupermarket.com/community/forums/t/glanmore-property-fund-guernsey-32022.aspxSun, 22 Feb 2009 03:02:20 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:139648CALPESPAIN17http://www.moneysupermarket.com/community/forums/t/glanmore-property-fund-guernsey-32022.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=139648The Glanmore Property Fund registered in Guernsey. The original posts here have been removed and no indication given as to why. It could be that they either contained liable content or somebody has applied pressure to the site. Clearly Glanmore Property fund has several issues currently. Its share price in September 2003 was 63.07 today it stands at 37.20. In January 2008 it stood at 81.54 in 12 months it has dropped 66.64% should investors be wary of this fund. Has it been regulated correctly? What happens in June after the 12 months redemption rollover delay expires. Has the funds new low value, a real figure based on actual quality sales of realisation and hence a real value or are the funds artificially low for a reason. If this is the real new value, was the fund overvalued in the first instance and therefore, were investors overcharged at the point of entry. Glanmore say: "Global real estate specialist Jones Lang LaSalle has suggested the moment when UK opportunity and vulture funds perceive value and move into the market &ldquo;cannot be too far away&rdquo; and that the turnaround thereafter could be &ldquo;fairly quick&rdquo;. However, the Royal Institution of Chartered Surveyors believes &ldquo;rising defaults and credit spreads will prevent a near-term recovery,resulting in a sluggish investment market&rdquo; and that capital values will continue to fall through 2009 and 2010. Broadly, in the absence of any regular transactions, we expect valuations generally to drift further downwards through the first half of 2009. Assuming that banks start to lend again and base rates remain below 2%, we believe there could be a stabilising of values and activity slowly picking up later in the year". These two statements seem to contradict themselves, although the opinion comes from different sources they are contained within the same Glanmore document. If this fund continues on this severe downward spiral, the fund price will take how long do you think to recover to January 2008 levels or indeed September 2003. Tilney Asset Management Intl. Ltd was taken over and is now owned by Deutsche Bank which says "Tilney Asset Management International Limited manages the Glanmore and British Real Estate commercial property funds, which are both advised by Tilney&rsquo;s subsidiary Cardales Chartered Surveyors. Both funds are pooled property investment vehicles which enable investors to participate in the UK commercial property market." When I first invested in Glanmore, both Tilney and Cardales where independent of each other, not anymore as it now seems that they are both owned by Deutsche Bank. Id this not a conflict of interest, how can Cardales value the property of Glanmore Property fund and be totally independent of the other as they are both now owned by the same company. Should this not have been a concern for the Guernsey Financial regulators. Is this right, should these acquisitions have been allowed to go ahead. Comments please. Please place nothing liable on this forum, I would like opinions that are fact and not assumptions. Remember the conditions of service from the Supermarket website. Investors in Glanmore need to come together as one to see if we have a way forward as a group.http://www.moneysupermarket.com/community/forums/t/my-credit-score-39588.aspxTue, 10 Nov 2009 22:00:45 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168357chrisby1http://www.moneysupermarket.com/community/forums/t/my-credit-score-39588.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=168357Hi, I have been having a little bit of a hard time with work over the last six months which has meant I have had a few late payments on a credit card, phone bill and payments with a car. My credit rating has dropped quite badly from around 780 12 months ago to around 380 now and that’s with Experian credit score. I currently owe £5000 left on the car £4000 of which is a final payment in December but I was going to take another agreement for three years again, this time with a lower value car. My credit card is full to the value of £2500 and I also have an overdraft of £1500. The other debts I have are based with my business and I have had no late payments and only small debts associated with my work account. Things are looking a lot better now and I have £4000 I can use to pay off my credit card in full and also my overdraft. I will be looking to buy a house towards the end of next year so over the next year I am looking to get my credit score back to what it was but hopefully better! am I right in paying off my overdraft and card off in full would this be the best option as long as I keep making payments on time with the other balances. I cannot believe how much it has dropped with just a few late payments! I think I am on the right lines but if anybody has any good ideas please share with me :) Thanks, Chrishttp://www.moneysupermarket.com/community/forums/t/did-declining-wages-contribute-to-the-crash-39627.aspxThu, 12 Nov 2009 09:15:22 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168480Felicity King-Evans26http://www.moneysupermarket.com/community/forums/t/did-declining-wages-contribute-to-the-crash-39627.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=168480 A decline in the share of national wealth going to wages was a key but overlooked factor in the financial crash, the TUC has declared. It&#39;s published a pamplet &#39;Unfair to Middling: How Middle Britain&#39;s Shrinking Wages Fuelled the Crash and Threaten Recovery&#39; in which it claims that rising profits and falling proportion of wages caused a lack of balance in the economy. The share of national wealth going on wages stood at 65% in 1975 and has now fallen to 53% - with a greater proportion going to the "prosperous middle classes" and the super-rich, according to the TUC. As a result, it&#39;s asserted, many people borrowed more than they could afford to in order to maintain their lifestyles, while the rising profits were used for financial speculation rather than productive investment. The TUC&#39;s general secretary, Brendan Barber, argued: "Many have tracked the role of finance and speculators in causing the crash, but few have asked where they got the money and why so many needed to borrow so much. "The truth is that ordinary families have had their wages squeezed and have had to borrow money which should have been part of the wage packet instead." What do you think? Is the TUC right that a growing divide between the wealthy and the remaining workers helped trigger the crunch? Is &#39;maintaining a lifestyle&#39; an understandable reason for becoming overindebted? http://www.moneysupermarket.com/community/forums/t/split-from-ex-what-to-do-with-the-house-39634.aspxThu, 12 Nov 2009 12:28:54 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168503BVG1http://www.moneysupermarket.com/community/forums/t/split-from-ex-what-to-do-with-the-house-39634.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=168503 My ex partner and I split up over a year ago, we were not married but owned a house together with a mortgage. The property was 50/50. We could no longer live together so I moved out with a view to when the fixed mortgage period came to an end we would review what to do with the house. She stayed in the house and took in lodgers / tennants to help meet the bills and pay the mortgage. It was agreed that I would not contribute to the bills / mortgage as I would have to be paying for somewhere else to live etc. At the start, when taking out the mortgage I paid in towards the deposit and fees around 15k more than she did. I also paid the mortgage, including intrest as it was a repayment mortgage all the time we lived together. She paid for the house hold bills etc. (my out goings were 1350 PCM and hers were about 550 PCM) When we split, the mortgage was put to intrest only and she now paid it. The house is still in equity but by only 5 to 10k at best. 2 Estate agents have valued it under her instruction and I am told this is the average. I think more may have valued the property and I have been given the average of the two lowest. She now wants to take the property on in her name only and give me nothing. Can she do this? What if I wish to take the property on and live in it? What if I want to hold on to the property for the future but let my 50% out to her / other tennents? If it went to court how would a judge view this situation and would I be likely to get any money back out of it if she takes the property on just in her name? I find it hard to understand how it would be fair for me to loose 15k+ and have no future prospect of gaining any profit from the property by letting her take it on in her name only where as she would have lost nothing, gained my 15k plus the future prospect of profit in the property (which is certain as its a coastal property in the south east). Any advise would be great. BVG http://www.moneysupermarket.com/community/forums/t/inheritances-39601.aspxWed, 11 Nov 2009 14:03:18 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168412mike131http://www.moneysupermarket.com/community/forums/t/inheritances-39601.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=168412I am to inherit a substantial sum of money from the estate of my late mother, who lived and died in Ireland. What would be the best way of converting this to sterling? http://www.moneysupermarket.com/community/forums/t/credit-references-39596.aspxWed, 11 Nov 2009 12:36:41 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168397promrose3http://www.moneysupermarket.com/community/forums/t/credit-references-39596.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=168397 Never having any debts and always being a good saver it has never crossed my mind that I would be the subject of refusal for credit/banking. In May 2009 we bought a property outright, but did not manage to sell our house until 2nd October, when we finally moved. The properties are in the same borough council who were notified but for electoral purposes it has only been when we moved on 2nd Oct that we completed the relevant form for electoral purposes and according to my council will not be added to the list until they update on the 1 dec. During the time between May and October i notified most establishments of our new address, but there were a few like Tv licence, Electoral list we knew would have to wait. I was declined by 2 companies when i tried to get a new pay monthly mobile phone and trying to open a bank account is becoming a nightmare. I have looked on Experian credit agency records and it clearly says no bad debts, no criminal stuff, all banks and establishments I have dealt with state no outsatnding debt and are satisfactory but the boroughs address have no names against it. Can anyone tell me if it is the ommission of our names on the electoral list or is it now becoming a problem having applied to several banks that is not helping my credit rating. If so it is a nonsense. My husband and I, in our 60&#39;s, have lived debt free, have lived at our last address for over 40 years - and all we want to do is deposit our hard earned savings into a bank. ANY IDEAS PLEASE. ???. Regards Primrose http://www.moneysupermarket.com/community/forums/t/soon-to-have-some-money-39394.aspxMon, 02 Nov 2009 17:31:24 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167554pykie1http://www.moneysupermarket.com/community/forums/t/soon-to-have-some-money-39394.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=167554 I will soon have around &pound;100k through an inheritance, and was wondering what do do with it? Suggestions welcomed. http://www.moneysupermarket.com/community/forums/t/rewards-now-rewarding-themselves-35753.aspxMon, 08 Jun 2009 08:07:47 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:153043Farfrae44http://www.moneysupermarket.com/community/forums/t/rewards-now-rewarding-themselves-35753.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=153043 Early last month I took out, and almost immediately cancelled, a &lsquo;free trial&rsquo; with Credit Expert from Experian. I did this by necessity, as I needed to access my credit report and score. Last week, upon checking my bank statement, I noted that some company called Rewards Now had just debited &pound;29.95 from my account on 1 June. This came as a total surprise. I had never heard of, let alone had dealings with or contacted this group. Upon enquiring to Rewards Now, it transpired that they had obtained my details and apparent assent to debit my account when I registered with Credit Expert. I do not recollect giving my consent to any other company piggybacking on their website to debit my account when registering with Credit Expert. If I had not spotted the debit it would have continued on my monthly basis. The rep cancelled further debits on my request, but informed me that as I had not cancelled within the time &lsquo;window&rsquo; they were unable to refund the &pound;29.95 already taken. This is pretty outrageous, and highly dubious logic - as several weeks had transpired between my registering and cancelling and the actual debit. As far as I am concerned Rewards Now&#39;s behaviour is little short of theft. Is it legal? Thanks. http://www.moneysupermarket.com/community/forums/t/renting-property-poor-credit-history-39418.aspxTue, 03 Nov 2009 13:11:01 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167631jilly502http://www.moneysupermarket.com/community/forums/t/renting-property-poor-credit-history-39418.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=167631Hi I am wanting to rent a property but have a poor credit history. Is there anyone out there who can advise as to whether I am likely to be accepted by letting agents since I would be able to put down 6 months rent in advance (due to the sale of my property). However I have recently been made redundant but have other income from rental income from another propery that I own and also some child maintenance. Do anyone know if letting agents would accept 6 months rent in advance and accept the fact that I have a poor credit history; Or would I be need to ask someone to be my guarantor who can has a good credit history. Thanks in advancehttp://www.moneysupermarket.com/community/forums/t/how-to-add-a-notice-of-correction-39464.aspxThu, 05 Nov 2009 10:57:52 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167827DrOH1http://www.moneysupermarket.com/community/forums/t/how-to-add-a-notice-of-correction-39464.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=167827 Dear members I managed to add a notice of correction in Experian, I am not sure how to do it on Equifax, I tried calling them, but there is no real people, only a recording message. Unlike Experian there is no email option. Shall I write a letter to them. The only information available on the web page is general about what notice of correction is , etc. I need to add that urgently because as I am not European nor Commonwealth citizen, I am unable to be registered in the voters roll. I have been working as a doctor in the UK for more than 3 years. Any help would be appreciated Omarhttp://www.moneysupermarket.com/community/forums/t/mpc-decision-39459.aspxThu, 05 Nov 2009 09:11:53 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167798Graeme Delap1http://www.moneysupermarket.com/community/forums/t/mpc-decision-39459.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=167798 Well, here we are again...another day, another Monetary Policy Committee decision on the base rate... Would anyone like to hazard a guess at today&#39;s announcement?! It seems to me we&#39;ll be seeing &#39;no change&#39; for quite some time. There&#39;s a bit of extra interest today as the Bank of England is going to announce if they&#39;re going to continue with their quantitative easing measures and add to the &pound;175bn they&#39;ve already pumped into the economy to &#39;keep Britain moving&#39;. Is it working? Should they continue to print money and buy assets to stimulate the economy? Or is it time they tried a different approach? http://www.moneysupermarket.com/community/forums/t/washing-my-company-work-wear-at-home-39446.aspxWed, 04 Nov 2009 19:06:49 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167770chrispont041http://www.moneysupermarket.com/community/forums/t/washing-my-company-work-wear-at-home-39446.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=167770 i have recently been informed that i can claim money ,, for washing my work clothes with my employers company name on . there are no facilities at work to wash my work wear therefore i have to wash them at home ,, using my own washing powder, conditioner , washing machine and electricity . could you please advise me on this subject ... yours sincerely ,,,chris http://www.moneysupermarket.com/community/forums/t/alliance-amp-leicester-premier-account-39191.aspxFri, 23 Oct 2009 15:09:44 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166723Community4http://www.moneysupermarket.com/community/forums/t/alliance-amp-leicester-premier-account-39191.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=166723The majority of people have never switched their current account &ndash; in fact we&rsquo;re more likely to get divorced than change bank. A number of providers are seeking to alter our behaviour and get us in to the switching habit by offering incentives to new current account customers. Clare Francis examines if the Alliance & Leicester Premier Account is an offer worth taking advantage of... Click here to read Clare&#39;s article http://www.moneysupermarket.com/community/forums/t/attachment-of-earnings-for-council-tax-im-not-lia-39256.aspxTue, 27 Oct 2009 23:47:03 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167033stressed2much11http://www.moneysupermarket.com/community/forums/t/attachment-of-earnings-for-council-tax-im-not-lia-39256.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=167033 hi, could somone please please help? the first i heard was through my employers that they had recieved an attchment of earnings and have to comply. i found out the next day, it was a council tax bill relating to somewhere i rented for 2 years, about 1 1/2 years ago. the rent there was inclusive of all bills, including council tax. the tenancy agreemnet was drawn up at an estate agents and clearly shows this. the council have got a copy of this. i rang the court department as directed by the council. they have said that i am liable and the attchment of earnings still stand as i was the tenant!!! so i have paid my rent at that shambles of a property and now i have to pay the coucil tax out of my earning for over 2,500??? i went to the cab, which was a total waste of 3 hours. they were not able to offer much advice other than to go to the neighbourhood office? i have spoek to the council who said the tenancy is an agreemnt between me and the landlord. despit the tenancy saying he is liable for all bills, because i am the tenant, i am liable for teh bill. they said my best bet is to as the landlord for payment and set up an arrangemnt whereby he pays me and i pay the council tax. This is extremly unlikely as teh landlord would not want to spend a penny. we also departed on bad terms and do not have any contact. but my question is, is this right??? can anyone help me? am i expected to use my wages to pay for somewhere i lived one and a half years ago and carry on paying for 2 years till it gets to 2500 when i paid my rent??? apparently he has made no council tax payments. i am also furious as this has made me look very unprofessional at work. im very upset and have recieved no helpful information. can anyone please help??? The first i have ever known about this was on thursday when my employers informed me that an attachemnt of earnings was going to be added to my next pay. i had no idea till tehn as i moved from taht property one an a half years ago. when in the property, i didnt get a council tax bill and didnt worry as my rent was to include all bills. i still have the tenancy whcih was drawn up though an estate agents. i lived alone in teh house.... if i take him to a small claims court and he still doesnt pay, does this mean he will get a ccj, and il still be paying? thanks. incredibly distressed. http://www.moneysupermarket.com/community/forums/t/international-money-transfer-1756.aspxFri, 17 Nov 2006 22:48:01 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:4816porlock5439http://www.moneysupermarket.com/community/forums/t/international-money-transfer-1756.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=64&PostID=4816Does anyone know of a way of moving money abroad without it costing an arm & a leg ? I need to move money from my bank to another bank abroad.