Chris Novice Shark Bait

Registered with Property118.com
Wednesday 20th November 2013


Latest Comments

Total Number of Property118 Comments: 165

Chris Novice Shark Bait

12:38 PM, 19th May 2021, About 4 months ago

Carer's allowance claim v rental income

I drew my state pension last Dec aged 66. despite having 36 paid years. I received less than the full state pension. I challenged it and got an explanation which I read once and filed away to be revisited. It was so complex I did not understand it clearly. Apparently from my recall, when the new rules were introduced it stipulated that a proportion of credits had to be paid as Nics since that time. I sought advice in 2012 and was told I had more than enough credits 36 v the necessary 30. So I did not pay NICS and my accountants advised the same. It seems that the advice that I received in 2012 was correct at the time, but because of the rule changes about which I was never notified or warned, I do not now get a full pension. I have also paid a fortune over the years in class 4 self employed units and these are not qualifying units, they are just a tax on high earners to supplement the system. My suggestion is that you get chapter and verse from the DWP and I.R. and keep a vigilant eye on it annually.
In my case it is not cost effective to pay added units at the class 3 rate. So I feel a bit conned by the system. I had to work this our for myself, and it was not easy to get accurate timely information.
I still hope my BTLs will supplement, despite all the government and rental police can chuck my way. Good luck.... Read More

Chris Novice Shark Bait

10:03 AM, 1st May 2021, About 5 months ago

Mortgage Express - Should I take the call?

Reply to the comment left by Windsor Woman at 30/04/2021 - 21:50
If property 118 could supply me with your e-mail address to which you appear to be consenting, I would also like to compare notes off forum. I have to admit that I do not know how to achieve this on a private basis. Can anyone advise?
Many thanks.... Read More

Chris Novice Shark Bait

9:42 AM, 1st May 2021, About 5 months ago

Mortgage Express - Should I take the call?

Reply to the comment left by Mike T at 30/04/2021 - 18:38
Hi Mike the number that called me was 0165299431, the company name given was as quoted in my 1st post, but the circumstances match and so whoever is canvassing information for what purpose is operating from multiple points and or using both landlines and mobiles.... Read More

Chris Novice Shark Bait

12:35 PM, 30th April 2021, About 5 months ago

Mortgage Express - Should I take the call?

I had a cold call from a company ringing from a Manchester number as Teamsearch at 6.50pm on 28.04.21. Mel introduced herself from a noisy background. She said she was ringing on behalf of Bradford and Bingley and wanted to canvas my views on the services of Bradford and Bingley (the lending arm of Mortgage Express). She said, from a background of noise, it would only take 10 minutes of my time. I laughed and said it would take much longer than that. I informed her that we were awaiting the FOS, ombudsman decision on two complaints, after rejecting the investigating officers initial opinion. I further implied we were looking at an alternative litigation route, which is true. I told her it would be inappropriate for me to discuss matters further, to which she replied that is ok. I asked her to feed back we are most upset with our treatment and write that next to my name.
Anyone else been approached by this so called boiler house company?
I have potential news to share but am restricted by so called NDAs. If anyone wants to private message me, I would be interested in developing a Property 118 defence against them. They are outrageous in my opinion, and the FOS, I suspect are in their pockets, in my opinion. Can't say more details or be more candid on this public forum. As a founder member of the property 118 action group, would welcome some comment from Mark Alexander in particular.... Read More

Chris Novice Shark Bait

11:56 AM, 19th February 2021, About 7 months ago

Are lawyer's fees against builder's shoddy work chargeable against rental income?

I have previously had abortive legal fees relating to property issues offset against income tax with no quibble. Your accountant should be expected to know this.... Read More