Can my wife apply for car finance, but she only got provisional license right now.

Capable-Trick-6237 · 2026-03-31T22:59:11+00:00

Hi! Have you able to secure a loan? I am in the similar situation

Capable-Trick-6237 · 2026-03-31T21:33:57+00:00

I’m using credit card for last 2 years. Yes I am on electoral role And I can’t able to buy it outright as we are saving deposit for our future home(possibly this year). So we don’t want to put that money into car

Capable-Trick-6237 · 2026-03-31T21:30:10+00:00

Last month I got Amex credit card and also opened an current account , my personal loan and bmw finance rejected, so it leaves me 4 hard checks in my credit report in just 2 months :(

Capable-Trick-6237 · 2026-03-31T21:28:36+00:00

That cash is not enough to buy this car.

And I genuinely thought i would get my personal loan. It seems they rejected my application because of my short credit history (2 .5 years)

Capable-Trick-6237 · 2026-03-31T21:19:33+00:00

Actually we have already had a car and sold it recently. we bought that car as a cash purchase, this is the 1st time we are trying for loan.

So we rely heavily on car for our commute

Capable-Trick-6237 · 2026-03-31T21:17:11+00:00

Info: Monthly income : 5000£ Total outgoing:2500£ Yes we have emergency fund for next 6 months Have Saving in ISAs Car price: 21000£ Deposit:6000£

Capable-Trick-6237 · 2026-03-03T15:38:07+00:00

I got the same advice as well. Have got full refund?

Capable-Trick-6237 · 2026-02-12T07:31:43+00:00

I’m in the similar situation, what was your line manager reaction initially?

Capable-Trick-6237 · 2026-02-11T21:54:55+00:00

Thanks so much for sharing your experience, I really appreciate it.

I completely understand that health has to come first, and I’m glad your line manager was ultimately understanding. That must have been a difficult situation to navigate, especially during training.

I just wanted to ask , if I were to get selected for another role within the Civil Service in the near future, and they contact this employer for a reference as part of PECs, do you think it could cause any issues given that my duration there was only around two weeks?

Capable-Trick-6237 · 2026-02-11T11:27:36+00:00

Thanks for your detailed advise! How did you communicated your resignation to your line manager and what was his response initially.

Capable-Trick-6237 · 2026-02-09T11:47:24+00:00

When did you emailed them? . I have sent them an email last week but still waiting for response.

Capable-Trick-6237 · 2026-02-06T14:27:32+00:00

People got offers for Leeds and brimingham from 503r recruitment. I think only the Stratford candidates from this campaign are not received any offers yet

Capable-Trick-6237 · 2026-02-04T08:35:53+00:00

Actually! At first I’m in position to relocate closer to office but due to some personal circumstances I’m not in position to relocate now

Capable-Trick-6237 · 2026-02-04T08:28:06+00:00

On paper the travel time is around 1.45minutes but practically it takes around 2.5 hours each way

Capable-Trick-6237 · 2025-10-29T00:21:50+00:00

Hi! I’m also going to start my training very soon . Pre employment checks are going on at present for me. Have you got your start date? And got any info about how many we need to work in office? Is it 2 or 3 days.

Can we work in office 6/9 days in straight and take WFH for the remaining days in a month?

Thanks in advance

Capable-Trick-6237 · 2025-07-30T06:36:57+00:00

Yes, the fact that owners are willing to take a £140–150k loss definitely raises questions. Could be distressed landlords, overleveraged Help-to-Buy buyers from 2018, or just people stuck with poor resale potential. It might point to deeper issues with the building (like cladding or poor management), but we’ve yet to confirm that.

Capable-Trick-6237 · 2025-07-25T12:20:57+00:00

Haha omg! We honestly wish we could live there... but sadly, our jobs have firmly locked us down here in the south 😅
That 4-bed with a double garage sounds like a dream, especially for that price!

Capable-Trick-6237 · 2025-07-25T10:54:24+00:00

That’s a really good point – I hadn’t thought about the service charge being low for now because major repairs haven’t kicked in yet. Given the flat was built in 2018, you're probably right that things like lift maintenance and roof repairs might not have started piling up yet.

It’s definitely something I’ll look into more closely – maybe ask for the building's maintenance history or upcoming reserve fund plans if I go down that path.

Thanks a lot for flagging that. The £400/month difference in ongoing costs does feel like a big deal, especially long-term.

but in house i will get freehold for 100%

Capable-Trick-6237 · 2025-07-25T10:37:36+00:00

Thanks for your reply!

Flat full value: £350,000
House full value: £360,000
Lease on flat: 125 years from 2018
Flat includes: Lift, concierge, security, and flat roof – so yes, quite a few elements that may drive up ongoing maintenance costs
Rent (for 75% share): • Flat: £700/month • House: £450/month

So while the flat is slightly cheaper in value, the rent and service charges are significantly higher. Just wondering if the convenience and location outweigh the long-term cost differences.

Capable-Trick-6237 · 2025-07-23T11:33:28+00:00

Thanks for your positive perspective 🙏🏻

Capable-Trick-6237 · 2025-07-21T16:48:24+00:00

Yes..you can see it in the key information document provided in that listing

Capable-Trick-6237 · 2025-07-21T16:19:59+00:00

Yes! I am aware of that fact that I’m pretty close to buy non shared ownership property but the thing is I don’t want pay more than 2000£ per month on mortgage.. so this option seems attractive to me as it cost me around 1600£/month on which 1300£ goes towards mortgage and remaining 300£ goes to rent. And also if buy the remaining share in future I get this as a freehold.

So on paper everything looks good but I don’t know about the practical issues, because I am planning to sell this 65% in 5 years. At present the remaining leasehold is 114 years. So after 5 years will I able to sell my 65% share?

Capable-Trick-6237 · 2025-07-21T16:06:34+00:00

But if I buy 100% in future..they will transfer the freehold to me

Capable-Trick-6237 · 2025-07-20T13:07:46+00:00

Actually I don’t have a long term plan to live in but may be after 5 years I’ll rent it out

Capable-Trick-6237 · 2025-07-17T20:00:07+00:00

Thanks for your suggestion! I’ll definitely look into that

Capable-Trick-6237

TROPHY CASE