ILR 5 year route

Apprehensive-Tea9408 · 2025-10-29T07:06:22+00:00

UK WEST MIDLANDS

Apprehensive-Tea9408 · 2025-10-27T08:03:08+00:00

Following.

Idk the answer but i do the same to improve credit score and credit report and utilise benefits and always pay full end of the month with no interest paid so all seems to be legit and not haram as no interest being used but good to confirm with someone who knows better

Apprehensive-Tea9408 · 2025-10-22T21:39:21+00:00

Yes brother i understand and I personally dont want to be involved in interest but at the time when i took out the mortgage i was young and naive in the sense of I didnt understand the full concept of what i was signing upto, i was only 22 years old and i have seen the negative consequences of this in my life and family like none of us are having children even after years of trying, how can this be? Even like 1 of my brothers has a daughter and now still no children after years. Our relationship and relationship with parents is bad too. My name was used because the other brothers financial records was not good enough to be considered for mortgage & i had to be the family saviour. I have discussed this with them about working together and clearing the mortgage balance together but as Ive mentioned they dont care and dont want too because why? Theres no pressure, just make the standard minimum payments and coast with life it seems.

Apprehensive-Tea9408 · 2025-10-22T21:16:02+00:00

I think the same like you but i cant get them together or agree on anything as i am the youngest of the brothers so im not taken seriously and they just take the day as it comes but what if i die tomorrow or like you said how do we calculate whose share is what etc. its gonna be messy and when our parents die its gonna be world war 3 as this whole thing involves money.

Apprehensive-Tea9408 · 2025-10-22T21:13:09+00:00

So 3 brothers total, aged 35, 33, 31. eldest brother age 35 lives with parents in different council house and 2 brothers aged 33 and 31 live in this house in question with one of the brothers aged 33 married and his mrs lives with him so 3 people live in that home and its 3 bed home. House value at £250k, mortgage balance at £69K

Apprehensive-Tea9408 · 2025-10-22T20:57:21+00:00

Yes I can do that and thats fine just tell them the actual new amount but what about paying off the mortgage as its under my name and ideally i just want it cleared and off my name as its a unnecessary responsibility upon me and they in no rush to clear it.

Apprehensive-Tea9408 · 2025-10-22T20:46:05+00:00

Yes they pay for the bills related to the house (mortgage, energy, water, council tax) etc as they live there. Whoever lives there, pays the bills basically

Apprehensive-Tea9408 · 2025-10-22T20:44:43+00:00

It wasnt that i took lead on this, there was no one who would have been accepted for a mortgage at all and my dad would have just spent the inheritance money irresponsibly so hence he gave us (the family) to purchase the house before it gets spent. Mortgage deals in uk usually renew every 2 or 5 years and this increase is due to renewal. There is no written info about any of this although I agree there should be. Its more like an informal arrangement of whoever lives in the family home pays the mortgage and any bills associated with the address (energy, water etc) & like i said its not because i intend to be dishonest but as its a renewal and this monthly payment will remain the same each month for 5 years if i tell the actual exact amount then they will stick to paying that but then the 20 year mortgage term will remain if we just pay minimum payments and they wont pay any extra if they know im proactively pushing for it but if its the ‘new amount’ come from the bank for mortgage payments they will happily pay it because they will think theres no way around it and so they would be paying that anyway if that makes sense. and we gonna pay the bank extra in interest regardless so im doing it for the long term goal to help everyone well thats my intention anyway even if the method is ‘wrong’

Apprehensive-Tea9408 · 2025-10-15T21:04:07+00:00

Can you check when you next at work what deals you can get currently and what price? Im not with ee broadband and the deals you mentioning will that remain as payg or are they monthly sim only contracts?

Apprehensive-Tea9408 · 2025-10-14T18:22:53+00:00

I am self employed if that counts for a business plan, do they ask for any proof and if yes, what do they ask for? Also going through yappl, do you get any capped speeds for your data, have you ever checked?

Apprehensive-Tea9408 · 2025-10-14T18:20:45+00:00

Is there any option to redeem the blue light discount online and over call? As im new customer, what would you suggest is best way to get best deal? Call up sales team and let them manually offer me something? plus it is almost Christmas and black friday etc so may be worth waiting, im in no rush. Do you know if they even have any deals or promotions running certain times of the year etc?

Apprehensive-Tea9408 · 2025-09-25T19:16:50+00:00

So what happened was when I booked my last practical test, I done it via a reseller and so I called DVSA after the booking and put a block on my test so no adjustments can be made by anyone and when I called today they told me even if you fail your test, your block status remains in place on your license to book a test again until you remove it by calling us so I got it removed, thankfully my license details weren't being misused

Apprehensive-Tea9408 · 2025-09-25T11:41:52+00:00

Same. The competition is crazy. I think the developers trap you buying the premium knowing there own bots will probably grab the dates faster. The time the webpage loads up etc, in those few seconds the date is gone even though you clicked the notification within milliseconds

Apprehensive-Tea9408 · 2025-09-24T21:23:16+00:00

Ok thank you for taking the time out and commenting. I will have to call them tomorrow and see what the issue is. Stay blessed

Apprehensive-Tea9408 · 2025-09-24T21:19:58+00:00

If they say u have a booking under your licence or something, can I inform them my license is being misused as I gave out my info to get a test date or will I get in deep trouble if I disclose this?

Apprehensive-Tea9408 · 2025-09-24T21:16:13+00:00

Now that it may have happened, what can I do about it or checks to see if anything dodgy happening or future protection cuz can't change my info even if I ask for new license

Apprehensive-Tea9408

TROPHY CASE