VanHelsing

The word KEYNES has two pronunciations:

- Keynes as in "Canes (or Kanes) - For example: John Maynard Keynes.

- Keynes as in "Keens" - For example: Milton Keynes.

Why?

I work through my limited company, and recently went through rough times and have arrears on Corporate Tax and VAT. I used a fair amount of my dividends to repay my taxes to HMRC; my accountant is now filling my Tax Return and all the dividends used to repay taxes are counted as income as well and that increases my TAX bill. Sounds to me that the taxes I have repaid are being taxed again; is that right?

Will the current banking / financial Credit Crunch affect the footballers wages in England? They are unreasonable all the financial – banker peoples; absolutely no-sense!

House prices are falling… currently I’m renting, and have to move house, as I don’t want to renew my tenant contract. My current budget is £1250 for a 4 bed furnished in Milton Keynes.

Is that still the price? Or rent prices are falling as well in parallel with house prices? Probably there are more peoples renting, but there’s not so much cash available to peoples … any ideas?

I work with UK oil companies, mainly overseas. In 2002 I worked most of the time overseas but I’ve paid TAX in UK as well for a few months (double taxation); I’ve claimed my earlier tax paid back and got it. Since then Inland Revenue asks me every year my tax return; every year I’ve to prove them that I’m not (and never have been) a self-employed and send them all relevant documents. I understand if I’ve been randomly picked for audit, but that is not the case. Just yesterday I’ve got a routine Penalty Notice from Revenue…. Exactly like in the last 5 years.

I can I do this stop? Or this will be eternal procedure for me?

I have a very bad credit rating but a very good income. I’m working on improving my credit rating (takes time), but need to take a mortgage now, as I have big family and my rent is around £1200, which is a waste of money. Preliminary I did qualify for a sub-prime mortgage (around 8%), with the minimum deposit of 25%; how much equity in % will I have from start?

I’ve recently moved house, and my credit rating dropped significantly; I don’t understand why, because I’ve moved actually to a better area: from East Midlands to South East England. I assume that I would probably need to register for vote to “legalize” my new address. The problem is, I don’t qualify yet for vote in UK. Is there any alternative to prove the credit agencies your actually address apart from the vote register?

I have a (very) bad credit rating; tried to repair it, gained few points by paying off defaulted accounts, but still bad.

Want to buy a car and get a mortgage: Does a big deposit convince the provider or sales people to give you a mortgage or to sell you a car by instalments?

I have been working overseas for the last years; now my family and me are coming back to the UK and want to take a family private health insurance; I did call BUPA and they’ve said to me that they won’t be able to provide me with a UK insurance, because we didn’t have a GP in UK and we have to get an international health insurance first for six months, and only after that we can switch to a UK one; the problem is, that is 4 times more expensive.

Doesn’t make sense to me, living in UK and have a very expensive international policy; then again can we just can get registered with a GP and then adopt a UK insurance?

Overseas our company has very well looked after us, and we had International Insurance and western level clinics.

Did I just bump into a sales man, willing just to sell ?

I have 3 defaulted accounts, but unfortunately they have been sold already to collectors, some of them have been sold twice. For this reason I couldn’t reach any agreements about clear records from my debt file after payment, but I manage to pay around 50% though. As I’m still interested in improving my credit rating: should I pay off a lump sum or instalments would make a better picture and add me some points after, let say a year?

I’m a foreigner, UK resident high skilled; 4 years ago my work-permit expired and my new one get “lost” in the mail; took me 3 years to get a new one – long history short: 1 defaulted bank account, 1 defaulted loan and 1 defaulted credit card. Total owed = £15000.

This year manage to get back no my feet, have already savings about £30000 and battling to decide to pay off my defaulted accounts or not. 2 years more and will reach the statute of limitation … in other hand if I pay I will probably wake up the Lion … and to be honest, the third: the pain experienced then, when no creditor would take my arguments and give me a “payment holiday”…Pay on Not?