Notice of Inland Revenue Tax Coding
21 October 2004, 02:14 PM
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Notice of Inland Revenue Tax Coding
how can i get one of these?
Cahoot need one for my loan application
they need forms of ID, which is fine
i can supply a bank statement, but i Dont have a credit card, and with me living with my parents i ovb dont have any kind of mortgage or utillity bills etc etc
they wont accept Payslips or mobile fone bills
Cahoot need one for my loan application
they need forms of ID, which is fine
i can supply a bank statement, but i Dont have a credit card, and with me living with my parents i ovb dont have any kind of mortgage or utillity bills etc etc
they wont accept Payslips or mobile fone bills
21 October 2004, 02:58 PM
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What about your P60 for the tax code. Technically an annual payslip but they might accept. Other than that, give tour tax office a ring. Details on your P60.
You can get a CC easily enough, but it will be a month or more 'til you get a statement. As for a utility bill, get your parents to phone in a final reading and change of details, making you the customer on one of their bills. You don't have to pay it (unless your parents are cruel), but it will give you a regular utility bill to use in such circumstances. Again though, you'll have to wait for the bill. 3 months for gas/elec
If you put these basics in place it will give you reasonable credit history making future applications for mortgages/loans much easier. Young people can have a tough time getting onto the financial ladder.
Off topic, but another good trick used by a mate of mine was to pass his driving test at 17 and buy the cheapest wreck of a car he could (£5) and get it scrapped. He then insured it 3rd party only on limited mileage, kept in a gararge in a good postcode. In truth, the car was crushed and left in some bushes at the bottom of the garden, but after 3 years when he could actually afford to run a car, he had 3 years no claims and so his insurance was much cheaper. He was never going to claim, so he was never going to be investigated for fraud
You can get a CC easily enough, but it will be a month or more 'til you get a statement. As for a utility bill, get your parents to phone in a final reading and change of details, making you the customer on one of their bills. You don't have to pay it (unless your parents are cruel), but it will give you a regular utility bill to use in such circumstances. Again though, you'll have to wait for the bill. 3 months for gas/elec
If you put these basics in place it will give you reasonable credit history making future applications for mortgages/loans much easier. Young people can have a tough time getting onto the financial ladder.
Off topic, but another good trick used by a mate of mine was to pass his driving test at 17 and buy the cheapest wreck of a car he could (£5) and get it scrapped. He then insured it 3rd party only on limited mileage, kept in a gararge in a good postcode. In truth, the car was crushed and left in some bushes at the bottom of the garden, but after 3 years when he could actually afford to run a car, he had 3 years no claims and so his insurance was much cheaper. He was never going to claim, so he was never going to be investigated for fraud
22 October 2004, 12:32 AM
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Originally Posted by StickyMicky
thanks for the help but im 26 years old lol
they wont take my p60 either
they wont take my p60 either
cos your P60 comes from your employer - call the IR and ask them how much tax you paid last year, cos you think you underpaid by 20k. The will send you a letter immediately. This is acceptable as proof of address
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