Article02.htmlMany people in the UK, in fact as many as one in three UK taxpayers have paid too much tax!
Greer & Taylor LLP a respected and trusted accountancy service provider has just launched a new website
The Taxation People which can be found at www.thetaxationpeople.com the new online tax refund service is dedicated to getting the maximum legal tax refunds for indviduals whatever the circumstances on a `No Win No Fee` basis
The Taxation People offer a online service, with a simple and easy to follow process that will guide you along the way as you get the refund you are entitled to. In the `my account` section of their site you can track the progress of your refund application and ask questions using a secure service.
I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the
The Taxation People who will get you the Tax Refund you are entitled to.
Greer & Taylor LLP will be following up the success of their Tax Refund service
The Taxation People by launching a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.
Homeowner LoansAnother bill has just landed through the letterbox and your still haven`t paid the monthly direct debt to the utility firm. You`ll have to sort out funds for your credit cards next week and then there are the catalogue payments to make. It`s the same story each and every month where you struggle to keep on top of your regular payments. Having taken out dribs and drabs of loads over the last few years you now have to pay a number of companies back. What if you could amalgamate all of your loans into one fixed monthly payment? Suppose you could reduce the amount that you pay each month by spreading the payments over a longer period of time. Look into the various
Homeowner Loansthat are available at the moment and you could end up paying less in repayments each and every month. Price comparison sites are the places to look if you want one of the
Homeowner Loans. They`ll scour the marketplace searching for
Homeowner Loansthat will suit your individual needs. Combine all of your debts into one slightly larger loan amount and you should have more money each month that can be put away for a rainy day.
Your credit report contains important information about you. It generally includes facts about your identification data, your bill-paying habits, inquiries and public record information.
Credit bureaus compile and sell your credit information to businesses, which use it to evaluate your credit applications. Therefore, it is important that your credit report contain complete and accurate information.
Under the Fair Credit Reporting Act, you have the rights to dispute the completeness and accuracy of information in your credit files.
If you find information in your credit record that you believe is inaccurate, what you need to do is to complete the special investigation request form that comes with your credit report. Follow the form?s instructions to fill out all of necessary information.
You may also want to attach a letter to your completed form, dated and signed by you, and along with copies of any documentation you have that helps prove the error in your credit report.
The documentation might include copies of canceled checks, sales receipts, account statements, or previous correspondence between you and the creditor involved.
Attaching a letter to the investigation request form is always a good idea if you don`t think that the credit bureau?s investigation form gives you enough space to explain why you think there is error in your report.
Keep a copy of your completed investigation request form, letter, and backup documentation. They provide you with the records of what you said and when you said it. Also, the date on letter will let you know when you should have heard back from the credit bureaus.
Once you have completed the investigation request form, mail it, along with your letter, and copies of any documentation. Send it by certified mail with a request for a return receipt. When you get the signed receipt back, file it with the rest of your credit record information.
When a credit bureau receives a dispute, it must investigate and record the current status of the disputed items within a "reasonable period of time," -- between 30 and 45 days, unless it believes the dispute is "frivolous or irrelevant."
If the credit bureau cannot verify a disputed item, it must delete it.
If your report contains erroneous information, the credit bureau must correct it.
If an item is incomplete, the credit bureau must complete it.
If a investigation does not resolve your dispute, the Fair Credit Reporting Act permits you to file a statement of up to 100 words to explain your side of the story.
The credit bureau must include this explanation in your credit report each time it sends it out. Credit bureau employees often are available to help you word your statement.
Be aware, however, that when negative information in your report is accurate, only the passage of time can assure its removal.
Credit bureaus are permitted by law to report bankruptcies for 10 years and other negative information for 7 years.
Also, any negative information may be reported indefinitely for use in the evaluation of your application for:
- $50,000 or more in credit;
- a life insurance policy with a face amount of $50,000 or more;
- consideration for a job paying $20,000 or more.
