Cricket
England v India (3rd Test) Trent Bridge
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@ CS : How do they even know? I've been with First Direct for yonks through unemployment, benefits, self-employment, financial trading, commission-only jobs with highly variable income, cricket trading, homeless and living in my car (not a Berlingo), on-line retailing, you name it - anything but PAYE, yet they seem to love me - my credit rating is impeccable. The Lloyds one is for paying bills from.
If you really need a legitimate income just set up a business account as a sole trader, or become a Director of your own Ltd company and pay yourself £150-odd a week to avoid NI, then top it up with a regular share dividend. I've been thinking about the following a lot recently. Possible tax-free "income" :- All gambling, including financial spread bets. Single or Married Person's Allowance (£11,850 or 2 x £8,695, with unused bits transferable) £1,000 savings interest disregard £300 for four years Help-to-Save Tax Credit scheme, if you get those £1,000 income from Air BnB type letting if you live out £7,500 income from a lodger in your own home £11,700 (double for a married couple) Capital Gains on disposals AFTER deducting any losses from this or previous years. 10-20% tax on non-property asset gains (18- 28% on property.) I'm sure there are more tax-free "perks" to think of. That's over £30k tax-free before the gambling income - enough to keep even Lloyds happy, I'd imagine. |
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they batted a whole session!
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back to the odds at the start of the day
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nowt wrong with a bit of fraud
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indeed
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i took the banks for almost 500k by the time i was 25
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do tell Juce!
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nothing illegal either
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good work
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credit cards loans
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went into debt mgmt, paid fcuk all for a few years and moved overseas. stopped paying anything
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didn't do it on purpose, wish i had
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spent most on records, drugs and hols
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back in the early 00s the amount of credit available was insane
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there is potential for abuse there for sure, pretty easy to get multiple credit cards with high limits |
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And wasted the rest......
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i had a house fully paid for too, so they used to give me personal unsecured loans based on that, even though it was not secured on the house!!
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you can have them all written off if they havent contacted you for a set amount of time, think its 6 years
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had nothing to show for it when i left
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they stop chasing after 6
u sound like my brother juce,he battered em,i remeber driving him from bank to bank to apply for loans,he had credit cards coming out of his ears,rotated them until the linmits were up and BOOM next stop Marbella he lived the dream, |
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have to remember there would be a lot of interest in that 500k
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yeh 25k on c/c at 23/24, personal loans of 40k. deserve it tbf
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The time period between your last contact with the creditor – whether it was a payment made, a letter or a telephone conversation – has been six years, this means that the debt has become “statue barred” and the creditor is no longer allowed to pursue you for payment or take any further legal action against you
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they do die
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ok that's cool
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there were so many and i had them all, i think. it was the boom of internet banks too, so they were handing it out like confetti
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did they get your house from you?
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no, nothing was secured, they used to think they could but they couldn't
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sold up before they had the chance
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good old baines and ernst, i was paying like 200 quid a month on 500k loans
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