lovemoney.com - Q&A - All questions http://www.lovemoney.com All questions from Q&A on lovemoney.com en-gb Copyright 2008-2014 lovemoney.com. All rights reserved. http://www.lovemoney.com/Images/Global/HeaderLogoOnWhite.gif lovemoney.com http://www.lovemoney.com 300 50 <![CDATA[SORRY DISCRIMINATE ]]> <![CDATA[WHY ARE INSURANCE COMPANYS ALLOWED TO DICIMINATE AGAINST THE UNEMPLOYED]]> <![CDATA[I have just been accepted for a vanquis credit card and stupidly took a £50 cash advance I was wondering if any1 knows how much I would be charged]]> <![CDATA[I have £7000 debt and trying to work out the best way to sort it]]> I have one debt that a sheriff officer has turned up at my door for hwoever i was not in, and the others are just sending the usual threatening letters. I can not afford to pay them all back in the way they all want individually and my credit rating is too low to get a consolidation loan.

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<![CDATA[Where can I open a US Dollar account?]]> I work overseas and have had a US Dollar account with Natwest for more than 10 years which I use for receiving my monthly salary. Natwest have informed me that they are closing all foreign currency accounts and that mine will close in May.

I was back in the UK last week and called Nationwide International, explained my situation and they told me it would be no problem to open a US Dollar account with them. I went into a local branch, submitted all my required documents and was told I would get a decision in 48 hours.

I'm now back overseas and have had a letter forwarded to me saying Nationwide have refused my application citing clause 25 of their Terms & Conditions.

Clause 25 states: "We may at our discretion and without giving any reason refuse to open an account or accept a deposit from any person".

So that's it, despite telling me over the phone it would be no problem they've refused me without any reason.

I'm now stuck with nowhere to pay my salary into after May unless I can find another bank that will let me open a dollar account.

Anyone have any ideas?

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<![CDATA[ which is the best multicar insurance]]> <![CDATA[I have a Vanquis credit card and I recently noticed that they are taking an amount from my account each month for a repayment protection plan that ]]> I did not agree to, nor ask for, do I need this plan? or can I stop them from taking the payments?

I am trying to get my account down, I only pay the minimum amount each month.

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<![CDATA[we have lived abroad 12 years.We plan to return to UK to live. Property prices & exchange rates have gone against us. Could we get a mortgage?]]> We can't move to the UK until we sell our house in Spain and release the funds. We will have to rent for first 6 months, but would then like to buy. We are pensioners, (67 years old) with old age & company pensions, both paid into UK bank account. we are on electoral roll at our last UK address. we would not need to borrow much. We will start paying UK taxes again as soon as we return.

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<![CDATA[Need a current account!! Have Basic Santander one. Who'll have me?]]> I have had a basic Santander account for 2 years+ and even though I have never been bankrupt and was employed at the time, they would only give me a basic account. Which bank will give me a normal current account. I am about to go self employed and need a current account. I was with Natwest for 20 years and I defaulted on a loan payment for 3 months when in hardship in 2010 and they closed my account when I only had 1 year left to clear the loan that I had consolidated over many years and at one stage was around £24,000. I paid PPI throughout the whole period that I lost the right to claim back! Basically, my credit rating is still poor but I need an account with a proper debit card etc - can anyone advise?

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<![CDATA[Tax Advice]]> Hi Eveybody,

Just keen to know if a self employed dentist can claim tax under limited company, if so will it affect paying into pensions ? Any advice would be much appreciated.

Thanks

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<![CDATA[First Time Buyer getting mortgage after DMP?]]> evening all, i'm thinking of entering into a Debt management plan to become debt free as quickly as possible as i would like to get myself onto the property market. As of next month i'll be able to get a loan from the Government towards a deposit for a house (and where i want to buy, it's enough for a deposit alone)

Just wondered whether it's worth doing or just paying all my creditors on my own.

Cheers!

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<![CDATA[First Time Buyer getting mortgage after DMP?]]> evening all, i'm thinking of entering into a Debt management plan to become debt free as quickly as possible as i would like to get myself onto the property market. As of next month i'll be able to get a loan from the Government towards a deposit for a house (and where i want to buy, it's enough for a deposit alone)

Just wondered whether it's worth doing or just paying all my creditors on my own.

Cheers!

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<![CDATA[First Time Buyer getting mortgage after DMP?]]> evening all, i'm thinking of entering into a Debt management plan to become debt free as quickly as possible as i would like to get myself onto the property market. As of next month i'll be able to get a loan from the Government towards a deposit for a house (and where i want to buy, it's enough for a deposit alone)

Just wondered whether it's worth doing or just paying all my creditors on my own.

Cheers!

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<![CDATA[Which business bank account would you prefer and why?]]> I am thinking going self-employed again, at least on the part-time basis. Do I have to have a business bank account or can I manage it with my current one?

If I do, which one would you prefer on the market today and why? I mean what bank and which of their product.

Thanx.

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<![CDATA[How much tax will i have to pay when selling my rental property?]]> I bought a house with my ex in 2002, just before the house prices went through the roof. I bought it for 69k, then remortgaged for 100k to buy ex out in the divorce.

I've rented the house out since 2008, and kept it on the repayment mortgage.and have now accepted an offer for 145k. (Mortgage is at 81k now)

Can anyone tell me how much the greedy undeserving government will claw off me when the sale goes through? Thanks.

P.s. sorry but the pound sign on my keyboard isn't working, hence the 'k'...

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