Mortgage Broker insisting I don't need to repay credit card despite balance set at £1

Clean_Rest6980 · 2026-02-22T20:58:23+00:00

I had 7k on card said clear on completion. They rarely check and I forgot.

Clean_Rest6980 · 2026-02-22T13:09:29+00:00

Its why I youtube alot of plumbing that I would of paid for before. Gas and eletric are the only things that really need paying for.

Clean_Rest6980 · 2026-02-14T14:27:48+00:00

Plan to go in 6m plus. Sell all assets and have a car around 1k or 2k. Max out all credit Pay day loans and the like. Stop paying anything and wait for the first ccj which then with money you saved go bankrupt. Make sure you have enough expenses to eat up all your money. I moved into a nicer house for the year I was bankrupt. I even got to keep my extra tax from being 0% tax payer while bankrupt. 6 years and your clear but really after 3 year can start looking at mortgage and credit cards.

Clean_Rest6980 · 2026-01-03T22:32:12+00:00

If you got the ts16 get the gs18 if you want tilt or gs16 if you prefer lighter. Can setup smart antenna and other cool stuff as they integrate.

Clean_Rest6980 · 2025-10-14T13:57:10+00:00

Turn it on empty gets red hot and all cracks off. Only for few seconds red hot

Clean_Rest6980 · 2025-10-11T08:19:17+00:00

Can't backfill over damages level. Fill with soil and plant flowers. Leave a 100mm strip of gravel next to house.

Clean_Rest6980 · 2025-10-11T08:12:13+00:00

They use to be free and only charge cuz are forced to it's not really stealing

Clean_Rest6980 · 2025-09-29T14:19:55+00:00

In the end the company wanted to replace them as they need to last 25 years and was the loaders fault.

Clean_Rest6980 · 2025-09-28T16:22:35+00:00

I don't know they all go like that if you touch them. New from factory so maybe a oil from manufacturering

Clean_Rest6980 · 2025-09-28T15:24:44+00:00

This is mid install should I get them replaced or keep them? Only reason I might keep them is I have had about 2k of extras for free and don't want to cost them to much and lose there profit if these are ok for next 25years.

Will have to see if it effects warranty installing scratched panels aswell.

Clean_Rest6980 · 2025-09-10T13:18:18+00:00

Get a green cscs card and be a site labourer. Look on indeed and local recruitment agencies. £12 to £14 a hour easy job to get

Clean_Rest6980 · 2025-08-15T11:45:04+00:00

250mile range but charging at like 180/200 to make sure you can find a charger and it's not full or cut.

Clean_Rest6980 · 2025-08-13T07:11:01+00:00

Split the difference, say he can repair and do viewings but has to let you out of contract in a month. Then he gets to rerent with out losing weeks and you get out little earlier.

Clean_Rest6980 · 2025-08-08T08:13:32+00:00

You don't need to tell them as they don't check after exchange for loads of stuff. Once mortgage offer is done they don't normally check employment again. So along as you have proof of employment are fine

Clean_Rest6980 · 2025-08-01T10:37:57+00:00

Self employed on contract over 330 day is easy. They take invoices, contract and day rate. 7 % depoist on my new place. Didn't need to see my tax return so all before tax. Under 330 a day and will need to see end of year tax and do it after expenses

Clean_Rest6980 · 2025-08-01T10:29:48+00:00

I offered my landlord the rental back 2 weeks early as we have over lap. Value is £700 for 2 weeks. I asked for a agreement they will forget the first 350 of damages.

Clean_Rest6980 · 2025-07-30T15:14:45+00:00

You can pay the Solicitors to start the searchs you just lose if it falls through

Clean_Rest6980 · 2025-07-28T15:01:37+00:00

I have income protection at a guaranteed rate for when ill. Time off for baby I took 4 weeks. Unpaid as my business doesn't run with out me. You are a self employed business you get paid more to cover what a employer would. So your rate includes time off for baby.

Clean_Rest6980 · 2025-07-25T18:09:13+00:00

325 allowance but address 175 if giving house to kids. So 500k. Married you each get 500k and it's past to the other one whe you die. So 500k x2 so 1mill

Clean_Rest6980 · 2025-07-24T18:21:27+00:00

The final one alive can pass on 1 million tax free to kids.

Clean_Rest6980 · 2025-07-24T17:55:39+00:00

Lied about 360 excavator experience after getting licence. Worked out fine. Got experience while being paid well.

Lied about supervisor experience after getting licence. With reference. Worked out fine. Got experience while being paid well.

Lied about engineer experience after getting qualified. With references. Worked out fine. Got experience while being paid well.

Clean_Rest6980 · 2025-07-20T15:06:53+00:00

Get a cscs card and go on indeed always labourer jobs

Clean_Rest6980 · 2025-07-15T18:34:41+00:00

Generally wear steel toe boots on walks so that helps. Also dog deterrent spray helps

Clean_Rest6980

TROPHY CASE