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.
Are Credit Card companies starting to feel the pinch? We all know that the Credit Card companies make their money by charging us interest on the money we borrow. With all the 0% balance transfer offers that we have seen over the last few years its no wonder these companies are concerned they aren?t making any money. Many customers who take advantage of these offers move once the 0% period has expired.
These credit card companies are now using smart tactics to grab back a chunk of money that they have lost through these deals. One of the ways they are doing this is by reducing the interest free period, meaning you have less time to pay the balance off. If you don?t pay it off by the time your 0% period ends you are charged interest backdated to when you made the balance transfer.
If you do find yourself in this predicament and you decide to transfer the outstanding balance to another 0% credit card you will unfortunately now be charged a fee for making the transfer by the Credit Card Company you had the original offer with.
These are all tactics that are now being used to make sure the Credit Card Companies make some money off of you.
Here are some points that may help you to beat the new rules that are being implemented plus other ways to save on your Credit Card fees:
? The most obvious advice that can be given is to be disciplined and try to pay off the full balance off every month.
? If you fall in the remaining 85% of us that are not able to do this then you should opt for a Credit Card that has a low transfer rate which stays low no matter how long it take to pay off the balance.
? If you are in danger of exceeding your credit limit and being charged £25 then contact your Credit Card provider and get an increase on your limit. In most cases they will fall over themselves to do this. Once you are back on your feet get the amount reduced. Remember discipline!
? Whatever you do avoid withdrawing cash from your credit card. These services will cost you from 2% upwards of the amount drawn.
? Set up a direct debit. This will prevent you from ever being charged a late payment fee. Even if this is for the min balance due every month. This is one of the biggest money makers for Credit Card Companies.
? Don?t take out Credit Card protection. It?s not worth it and its over priced for what you get. This is a topic for another article. My advice, steer clear.
? Avoid using your Credit Card abroad. This is a sneaky way for charges to be implemented. The rate of exchange is not always the best and you get charged for the convenience of using your card in a foreign country.
? Don?t be fooled into applying for a Credit Card that offers cash back and loyalty points. While some may be good the majority expect you to spend large amounts before you even qualify for any significant cash back. The incentives may be high but then so is the APR.
We all need Credit Cards for day to day living to get by so advising on not having them is ridiculous. All we can say is be disciplined. Keep a close eye on your fees and charges and manage them very closely. Check you balance statement every month. Fraud is rife at the moment so don?t get caught out.
