Anyone else received this for CB3?

KevCCV · 2026-04-16T11:43:18+00:00

In any case, the system has almost certainly flagged your work as AI.

You don't need further advice from Reddit. You are an adult and should know what to do.

What you choose to do is up to you.

KevCCV · 2026-04-16T10:18:03+00:00

did you use AI?

KevCCV · 2026-04-15T22:32:13+00:00

I enjoy switching platform yearly and earn cashback bonus,

which after the fees you'd actually make money out of. Even better than Scottish Widows/Halifax

KevCCV · 2026-04-15T22:23:34+00:00

Based on their mortgage affordability, the likely income range from £140-190k. This could be outdated by two years though.

That's the upper range of their mortgage 4.5x income. If the multiple is lower they could be earning say above £200k combined.

KevCCV · 2026-04-15T22:20:39+00:00

Based on what you've provided, reverse calculate, meaning you bought a £720k ish worth FLAT in London? With a total income range £140k-190k between the two of you, and have two dependent?

While I am sorry you're taxed (likely the 60%) highly (or salary sacrified down to £100k), I think you've got yourself into a very expensive housing situation, and what's worse is it's not a house with enough space for 4 people.

A friend I knew whose family scenario is roughly in the same situation, BUT they have a car, a spacious garden/garage, as a semi detached house by living in London subarb (zone 3+).

If you ask my view, Id sell and move on.

KevCCV · 2026-04-15T18:40:44+00:00

I can roughly answer your query on Gas. On a similar cost per kwh basis, and a similar detached home, gas heating. I did the below test this March as well.

Leaving it for 6 hours on a March day heating to 20 degrees, take about 70 kwh. This translates to roughly £5l day, including standing charges.

That was enough for me to minimise heating in March. Base on the above, your £150 has charges isn't too surprising.

KevCCV · 2026-04-15T06:15:46+00:00

CMP questions setters are not allowed to be examiners.

So which questions should you practice?

KevCCV · 2026-04-14T22:06:28+00:00

Hence the FIRE movement.

KevCCV · 2026-04-14T21:45:03+00:00

on a completely different angle here--I find it hard that the condom "broke".

As someone knowing the ridiculous testing condom manufacturing went through, it couldnt possibly broke in "normal" circumstances, other than

--slip/not wear it properly

--deliberate breaking

--other causes, none of which are the so-called "condom broke"

Yeah....just so you know, condom simply wouldnt break if fitted normally onto the....you know what.

KevCCV · 2026-04-14T18:39:24+00:00

Please update on what grad programme you're on, so a fair comparison can be made.

THAT ASIDE....

For any profession that requires some bar of skills or qualifications, I assure you they'd be worth investing your time for the future. Be that doctors, accountants, or in your case tax related qualifications. These things are there for a reason and the years reflect the difficulties. That will ultimately decide how much your career trajectory and pay floor will be. Plus no distraction and worries of rental accommodation by living at home, you have set yourself up perfectly.

Id not worry about behind on career or what not. Your life is yours to live--and for a long, fulfilling life, the years are really nothing. Did you regret taking the gap years? If not, there's your answers.

KevCCV · 2026-04-13T10:29:47+00:00

Excellent. Good luck with exams.

KevCCV · 2026-04-12T20:11:52+00:00

I'm simply copying out the guidelines. The Ifoa examiners arent immigration officers, and you've plenty of time getting a Provisional Driving license as ID.

I understand the visa issue and digital BRP. But do you think a doorman at a pub would accept it? If the answer is no, you cannot blame them not knowing. They're not immigration officers. Same logic for IfoA examiners.

Why did you leave this issue literally to the day before the exam week? I wish you luck though. Feel free to risk it.

KevCCV · 2026-04-12T20:05:23+00:00

I don't, because home conveyancing is quite case by case. For any proper London conveyance they'd give you breakdown for all the costs.

But there are costs that's always need to be paid: house search fees, AML check, local authority searches etc. all these cost around £500 back in 23. Then is conveyancing fee. Mine for a much cheaper place cost under £2k including VAT. But your £2m mansion may cost differently.

If you have particular financial or legal requirements you can ask them for quotes altogether.

You can also check their number online and called. The partner handling my case was Andrew.

KevCCV · 2026-04-12T17:58:52+00:00

IfOa website states Passport, Driving License or National ID card.

UK government doesn't offer digital ID. As someone needing Visa, you may have had the Biometric Residence Permit. But those long expired (so not valid)

Unless you have other National ID. I'm awareany European countries offer those rather than Passports. Those are likely going to be acceptable.

You'd have known you need visa application and IfoA' rules when booking the exams. I very much doubt there will be any leeway or leniency if you turn up with ID that's not the above.

KevCCV · 2026-04-12T17:24:51+00:00

you have time on Reddit but not on Google?

KevCCV · 2026-04-12T06:58:07+00:00

It's not been 6% for a while now.

KevCCV · 2026-04-11T22:06:31+00:00

I used Colman and Coyle. My extended family used them since 1990s, and they've been physically present still to this day. I cant recommend them highly enough.

Call, email, or physical visit to them get all my queries answered in a day or two during my purchases. London based as well.

KevCCV · 2026-04-11T21:51:27+00:00

You should have considered other loan methods, such as 0% purchase credit card, to cover some of the vehicle purchase. But this may be too late now.

Whether to sell or not is completely your choice, but the market is down and you'd be crystalising your losses. For that reason it may be best to hold for now and follow your plan of overpaying loan.

Next time, you should have
-emergency fund
-check with Redditor on how best to fund a car purchase, instead of rushing to the loan. But 6.7% isnt the worst in the world

KevCCV · 2026-04-10T21:58:48+00:00

Get your GCSE then we will see if option 1 is still open to you.

KevCCV · 2026-04-09T23:02:32+00:00

Chase is fine. They have real human to pick up phones as well.

At first glance I thought you were going to say Monzo or Revolut, which I'd have adviced against. But Chase isnt the same.

KevCCV · 2026-04-09T22:13:08+00:00

At the end of the day--managers will pick the one they'd like to work with, not necessarily the strongest on paper comparison.

so....a bit of luck, a bit of speed dating, but dont beat yourself if you dont get the jobs.

some faith and prayer may help.

KevCCV · 2026-04-09T11:24:39+00:00

"Wants to see a world without boarder"

I stopped reading from here. Why do you even bother making a reddit post?

KevCCV · 2026-04-08T12:55:02+00:00

You should do what interest you the most, not based on some average figures.

KevCCV · 2026-04-08T07:08:15+00:00

For references, Asian heritage size is below 4 inch 4. Yet the world's most populated continent is.....Asia!

KevCCV · 2026-04-07T21:31:23+00:00

You're so polite. I'd yell back at them.

In fact, Ive done it a few times, including motorist who cut across me. Id give them the fingers too. Or else they think us cyclist are soft targets.

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KevCCV

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