WILL I LOSE MY HOME?

I see it could affect current or future employment.

ote:

I am now working for Fed-X at £30000.

Please don't tell lies

ote:

So how many hours a week are you working for this £30,000 - and what exactly do you do?

DELIVER PARCELS, YOU DUMMY. WHAT ELSE?

So you have a full time job earning £30,000 with FedEx in Hull delivering parcels for them.

Very good.

Do you have to drive very far?

(You're not pulling anyone's leg here are you? - other than your own that is)

ote:

That's not his legs hes pulling ;-)

based on a sample of 6

who don't say how many hours "overtime" that they work to get that

not a very helpful survey that one, is it?

Spot on !!

Mentions "As an owner driver" so there may be costs to come off the wage stated.

This would be masons style.

G.Harman

I think I may have misunderstood: so you have a pension pot of £400,000 which is still yours which you will be able to access sometime in the future although you can't now: and you will also continue to receive a private pension for life of about £16k which is already being paid out to you each month?

Is that it?

Or:

Did you have a pension pot - which you no longer own - which you have cashed in to provide a pension?

ie You do not have £400,000 which you "do not have access to".

You will owe £55,000 which you need to pay back in 3 or 4 years

You have a pension income over those four years of £60,000

Therefore you will have only £5,000 to live on over those four years unless you get a job.

You will therefore be totally dependent on getting a job: something you have not done yet.

Forget the new car : you have spent good money on your existing one which you cannot recover - it satisfies your needs.

Start paying off the credit card bill and live off your pension.

Enjoy your retirement : live off your pension : get a hobby - how about cycling?

HTH

You have not been charged for this financial advise.

What's happening about the job you were expecting to get after the interview you had before Christmas?

It is a great pity that you do not heed advice offered here.

Best of luck with the Brum job.