dawn
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Post by dawn on Mar 25, 2024 8:29:36 GMT
Where can I find the 'VOTE BY CORRESPONDENCE' form and the 'NOTICE OF OBJECTIONS' form? When I log in I can see 3 documents under each load, none of which are these forms, but one of which implies I need to complete a separate form for each loan that I am part of. Any help would be much appreciated. You can download them from Page7 in this chat Thank you very much - I'll do that now.
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dawn
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Post by dawn on Mar 25, 2024 8:12:41 GMT
Re. the Proof of Debt form: outstanding/accrued interest does not seem to be an available figure on the platform is it ? Also: what is the consensus on what should be put on the vote and objection forms ? For votes: I'm not sure why one would vote against 1), but there could be very good reasons for voting against 2). As to the objections, I would think we would want to object to both. As for the interest, perhaps you can estimate how much you have accrued? As for the forms, I'm not sure which questions on which you form you refer to. On the 'VOTE BY CORRESPONDENCE' form, I voted against both (1) and (2). On the 'NOTICE OF OBJECTIONS' form, I also voted against both the proposed decisions. As regards the third selection on the second form, "Are you also asking the Joint Administrator to convene a physical meeting of creditors?" I was in two minds about it. That is because with a previous administration I suffered, the administrators charged £15,000 for a one hour physical meeting. The billing included the invitations to all the creditors etc., their staff travelling from Manchester to London, booking a room in a fancy hotel etc. In terms of the creditors, I was the only person who bothered to turn up. However, I decided to vote in favour of it, because whatever Quantuma bill for meeting, I will at least be able to stare into the whites of their eyes and let them know in no uncertain terms that they will not be given free reign to loot every penny possible from Ablrate's loan redemptions to stuff their pockets. Where can I find the 'VOTE BY CORRESPONDENCE' form and the 'NOTICE OF OBJECTIONS' form? When I log in I can see 3 documents under each load, none of which are these forms, but one of which implies I need to complete a separate form for each loan that I am part of. Any help would be much appreciated.
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dawn
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Post by dawn on Apr 7, 2022 18:17:40 GMT
Currently a Medium loan paying 8%. Internal refinance with Assetz to Medium High paying 5% !!!!!! Really!!!! How!!!
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dawn
Member of DD Central
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Likes: 275
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Post by dawn on Oct 20, 2021 11:48:03 GMT
Withdrawals requested on 14th & 18th October - neither yet processed and 5 hours alter both have been processed
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dawn
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Post by dawn on Oct 20, 2021 6:32:32 GMT
Withdrawals requested on 14th & 18th October - neither yet processed
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dawn
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Posts: 308
Likes: 275
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Post by dawn on Apr 27, 2021 6:55:51 GMT
Hi duck - I've not received anything either and I believe I am on your list.
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dawn
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Post by dawn on Dec 21, 2020 8:16:57 GMT
Whilst I understand the sentiment (and often feel the same way) could you be more explicit as to what has caused this particular feeling on Monday morning???
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dawn
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Ablrate (ABL) in Administration
IFISA (ABL)
Oct 28, 2020 13:48:26 GMT
Post by dawn on Oct 28, 2020 13:48:26 GMT
I am aware that the IFISA allowance shown includes this years allowance as well as previous years. It is not a difficult calculation to work out whether the money I have withdrawn is this years or not - total deposited this year = £0 therefore amount withdrawn must be from previous year. My Cash ISA with my Building Society manages to do this with no problem. I am not 'bed and breakfasting' - I needed the funds urgently earlier in the year and can now return it, which is all I was trying to do. @ dawn Hi Dawn, I mentioned "bed and breakfasting" more for possible benefit to others who might find themselves in a similar position to yourself needing to recertify and not be able to deposit funds at short notice. I was not suggesting that it applied to your case. I'm sure the guys at ABL will get you sorted asap. Best Wishes LW Thanks for your reply, LW. ABLrate are trying to sort this out. I shouldn't have to recertify at all. If I had deposited funds during this financial year I would have had to certify at that stage. The fact I haven't (deposited funds or certified) tells them that the funds withdrawn must be old funds and therefore don't need me to certify or recertify. I'm sure the lady at ABLrate will be able to sort this out for me.
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dawn
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Ablrate (ABL) in Administration
IFISA (ABL)
Oct 28, 2020 13:31:36 GMT
Post by dawn on Oct 28, 2020 13:31:36 GMT
I think you will find that your IFISA allowance as shown by ABL (Goji) is the sum of the balance of your current year unused allowance plus any amount drawn out during the current year from previous years contributions. The amounts are not broken down by the year in which they we made. Hence the need to recertify as the money you are contributing could "belong" to this year. The point that readers should perhaps take away from this experience is that if they are thinking of "bed and breakfasting" IFISA monies on 5th April then check you are recertified perhaps by making a modest test payment a couple of weeks beforehand. LW I am aware that the IFISA allowance shown includes this years allowance as well as previous years. It is not a difficult calculation to work out whether the money I have withdrawn is this years or not - total deposited this year = £0 therefore amount withdrawn must be from previous year. My Cash ISA with my Building Society manages to do this with no problem. If I had put new money in this year I would have had to certify at that stage. The fact I haven't tells them that I haven't put in any new money this year so all withdrawals will be old money. I am not 'bed and breakfasting' - I needed the funds urgently earlier in the year and can now return it, which is all I was trying to do.
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dawn
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Post by dawn on Oct 28, 2020 13:25:53 GMT
But I am not subscribing to this ISA - I paid money into it in a previous year. The ISA is flexible and I should be able to withdraw and return within the tax year. It is an HMRC requirement to certify for those accounts you are paying new money into - this isn't such an account. Thank LW, your answer above sounds right. dawn - forgive me, I have not responded on here as I understand you are speaking with the team to get this sorted. ablrate - I am talking to your team who have been very helpful.
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dawn
Member of DD Central
Posts: 308
Likes: 275
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Ablrate (ABL) in Administration
IFISA (ABL)
Oct 27, 2020 18:53:06 GMT
Post by dawn on Oct 27, 2020 18:53:06 GMT
I can do that but why do I need to recertify? I have been investing successfully all the way through - just not adding new money. I don't intend to add new money to this ISA this year either. I understand the need to certify for new money, but not why I need to do it for old money. This is a flexible ISA so I should be able to withdraw and replace funds without doing this - that was how I believed it worked. Not whinging and I am happy to do it, just that this is different to how I believed the system was supposed to work and I'm trying to understand it. It's an HMRC requirement - you're certifying that you're not subscribing to more than one ISA, and not more than the limits - so if you put in too much you can't later claim that you didn't realise! But I am not subscribing to this ISA - I paid money into it in a previous year. The ISA is flexible and I should be able to withdraw and return within the tax year. It is an HMRC requirement to certify for those accounts you are paying new money into - this isn't such an account.
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dawn
Member of DD Central
Posts: 308
Likes: 275
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Ablrate (ABL) in Administration
IFISA (ABL)
Oct 25, 2020 8:35:03 GMT
Post by dawn on Oct 25, 2020 8:35:03 GMT
Has anyone tried withdrawing and putting back money recently? I haven't paid new money into my ISA this year (or last year) so all the money in there is from previous years. I removed an amount earlier this year and today tried to replace some of it and I couldn't. I got the message saying I was ineligible when I tried to transfer from my non-ISA account and depositing with a debit card isn't working either. I'm only trying to replace some of the old money I have removed in this tax year, not add any new. I've emailed Ablrate as well but thought I'd check here as well in case anyone has had this happen to them and knows how to fix it. Thanks ablrate ablrate ablrate ablrateLooks like you need to recertify. It is a two minute job if you get in touch with the office I can do that but why do I need to recertify? I have been investing successfully all the way through - just not adding new money. I don't intend to add new money to this ISA this year either. I understand the need to certify for new money, but not why I need to do it for old money. This is a flexible ISA so I should be able to withdraw and replace funds without doing this - that was how I believed it worked. Not whinging and I am happy to do it, just that this is different to how I believed the system was supposed to work and I'm trying to understand it.
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dawn
Member of DD Central
Posts: 308
Likes: 275
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Ablrate (ABL) in Administration
IFISA (ABL)
Oct 24, 2020 7:42:03 GMT
Post by dawn on Oct 24, 2020 7:42:03 GMT
Has anyone tried withdrawing and putting back money recently? I haven't paid new money into my ISA this year (or last year) so all the money in there is from previous years. I removed an amount earlier this year and today tried to replace some of it and I couldn't. I got the message saying I was ineligible when I tried to transfer from my non-ISA account and depositing with a debit card isn't working either. I'm only trying to replace some of the old money I have removed in this tax year, not add any new. I've emailed Ablrate as well but thought I'd check here as well in case anyone has had this happen to them and knows how to fix it. Thanks ablrate
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dawn
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Post by dawn on Jun 21, 2020 7:46:02 GMT
My amount invested agrees to the penny but a number of loan IDs are different - all renewed in January or early February:
COLBB00649 renewed 13/1/18 & became COLBB00709
COLBB00650 renewed 13/1/18 & became COLBB00710
COLBB00654 renewed 20/1/18 & became COLBB00716
COLBB00655 renewed 20/1/18 & became COLBB00717
COLBB00660 renewed 25/1/18 & became COLBB00720
COLBB00664 renewed 27/1/18 & became COLBB00721
COLBB00667 renewed 01/2/18 & became COLBB00728
COLBB00668 renewed 02/2/18 & became COLBB00729
One other discrepancy on ID - I have a grouped asset jewellery loan COLPL00006 which seems to be labelled as COLBB747 (W***** Jewellers) on the list. The amounts in each loan are correct.
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dawn
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Post by dawn on May 3, 2020 9:50:45 GMT
iRobot
Thank you - that solves the first thing. I hadn't realised that you had to hover over the 3 lines to be able to pick it up and move it - I'd only managed to get the toggle on/off bit to work before.
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