2021.10.25 07:43 Chazz777 Redhead stunner
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2021.10.25 07:43 Monster3252 H: Fe90 gat plas W: legacy offers
2021.10.25 07:43 XydraLionx CIFAS GUIDE WHAT TO DO AND STEPS
Alright imade this because until recently I was in (probably) you guys place I am 16 and somehow I had somehow acquired a Cat 6 CIFAS (and wasn't prepared to tell my parents) . But, we are not going into detail on how that happened that's irrelevant, I'm not here to judge you like how many others are. But I know how difficult it maybe be for one to access banking services and how crucial this may be. This Guide will be split into two parts. What to do if your 18 and what to do if your under 18. If you have any additions please comment and I'll try add them.
If your 18: for these first few steps it's all the same across age group. This includes requesting a DSAR from CIFAS directly to see what kind of data is held about you. This can be done here: https://www.cifas.org.uk/dsar. You just need to fill out the form with proofs of identity and address.
Once you have now confirmed what kind of data is held about you, your next course of action is requesting a Final Response from the bank which issued it (Can be seen on the SAR), you will need to gather up all your evidence and write this to them. Banks have to respond within a certain amount of time but each bank may be different. My issuing bank was monzo and they were not helpful.
(This may be enough and they may remove your CIFAS, from what I've seen sometimes owning up to what your done will make them feel sorry for you and delete it, while sometimes denying the H**** out of it will end up with the same result. If this didn't work carry on.)
Now you have what's known as your "Final Response" you will need to dispute this directly with CIFAS, attaching your final response letter, they will have to reply within 14 days. You can do that here: https://www.cifas.org.uk/contact-us/I-Want-To-Make-A-Complaint. Again for some, this is enough, it never worked for me. So if necessary carry on.
Your final steps would be reporting this to your financial ombudsman. Much like the Final Response sometimes being truthful here helps, and admitting to what you've done while outlining how this is negatively going to affect your life (can't recieve student loans etc). You have 6months from receiving your Final Response to making a FOS complaint. This is a lengthy process and can take up to 100 days to just be allocated a case handler. You can do this here: https://www.financial-ombudsman.org.uk/contact-us/complain-online
(This is the step I am on but I needed a bank in my name to recieve bursary so continue)
At 18 you have many more options than someone under 18. There are a few cards you are (I'd say) 80% likely to get. Forget Starling, Monzo, Revolut, Monese. I'm pretty sure they have all applied to CIFAS now. I had a monzo marker so I couldn't check them, Starling declined me and I was too young for revolut and monese. These are some options I'd recommend
https://www.pockit.com/ (I heard their card provider is now with CIFAS so??)
Now also if you don't want one of these (some people prefer a bank with a actual branch) you can open a credit union engage account to do that you need to register with your local credit union which you can find here: https://www.findyourcreditunion.co.uk/ on the website their should be a place to open an engage account if you cannot then email them. From the top of my head this is it for an over 18 I'm 100% sure their are more options for you, its under 18 which is tricky...
Your options for banking here are pretty slim your gonna have to do up to the FOS complaint I listed above. I'm not gonna copy and paste it for clarity. For actual banking your options lie with
https://www.metrobankonline.co.uk/bank-accounts/products/cash-account/ (as a under 18 I'm pretty sure if you went into the bank and explained your situation they would allow you to open one, even though they are under CIFAS.
(Ignore any other high street banks I tried nearly all of them.)
You can also get a go Henry card https://www.gohenry.com/uk (your parents will have to do this for you and it comes with a fee.)
You can also get an engage account that's only if your local credit union offers them to your age. https://www.findyourcreditunion.co.uk/
You can also open a hyper jar (16+) in your name https://hyperjar.com/
If none of these work is recommend this option I recommend
Also any other foreign bank you can find should allow you to open an account.
The reason I made this was I felt alone and lost going through this, I struggled with my mental health and did NOT want anyone else to go through that, I read every article, forum, thread containing cifas and this is my conclusion. I guess you could say im now an expert.
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2021.10.25 07:43 Bitter-Bed6377 .
2021.10.25 07:43 BrynjaViking New to this! Is mutuals benefitial? How does one grow here? fanhouse.app/brynja
2021.10.25 07:43 tyw7 Yes women totally use a wrench to self-play
2021.10.25 07:43 kpblm_info Apartment on Chokolovskiy Bulvar, Kiev
| Apartment on Chokolovskiy Bulvar, Kiev https://apartment-on-chokolovskiy-bulvar.kpblm.info/en Featuring free WiFi, Apartment on Chokolovskiy Bulvar is located in Kiev, 4.1 km from St. Volodymyr's Cathedral. There is a private bathroom and living room. A TV with with cable channels is offered. 11 Chokolivs'kyi Boulevard, Kiev, 03186, Ukraine|
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2021.10.25 07:43 reddit_feed_bot DailyCaller: 'Had To Squeeze': Navy SEAL Who Shot Osama Bin Laden Reveals If Reports About His Head Being Blown Apart Are True https://t.co/mWGBp3zwfE
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2021.10.25 07:43 commicoffeecake TIFU I sucker punched (where I fucked up) my friend/roommate after he called me sensitive and cut me off when I was trying to open up to him about how he hurt me during a previous disagreement. Originally for AITA.
So, me and him are actually on good terms about this now, and I understand physically attacking someone over words is technically immature, but I just can’t shake how much this pressed me to this point of physically hurting him. I’m gonna frame this out in 3 parts. [TL:DR] Friend and I were talking about dumb shit, we disagreed, I felt or actually got pressed by friend about dumb shit bc he was drunk, I went to work mad, took a break and still felt mad and entered a paranoid state of mind, kept my cool the best I could trying to talk to friend, he cuts me off in the middle of me opening up to him and blows up on me about me being sensitive and twisting his words, during his blow up I’m starting to see shit and I punch him, there’s a fight, during the fight the visions are getting worse, we both hurt eachother, take care of eachother, move past it for the most part but I’m still caught up on hurting him. Part I Before work that day, I had started talking with my friend and his friend who he was on call with at the time. (HE WAS ALSO DRUNK AT THE TIME) I can’t remember what the beginning of the convo was, but it reached the point where me and him were in disagreement about it (which was completely friendly the whole time). He does really charmingly dumb shit like tries to get me to headbutt him for me to prove my point to him with how hard the headbutt, but this time I said no and I started to walk away laughing about it, and he goes on to call me pussy. And not just once but really hammering into it this time and just kept pressing me about it. And it got really annoying, not what he was saying but the fact he kept going on about it and kinda contesting me right before I had to get to work, I was starting to run late. And he said something in his babbling that tipped me off, something along the lines of “come on you know where we came from we came from the same type of history, even if your experience was kinda minor, you still know what it’s like” and that right there pissed me off, especially when I realized he was not muted on the call at that point, and he was pressing me in front of someone I didn’t know. Also bringing up my history, albeit not detailed, to someone I don’t know. I easily feel cornered and defensive bc of my history, and he knows this, and I remind him of this and he says something along the lines of “the only one embarrassing you is yourself”. And so I went off to work, late and pissed. Part II So I’m at work, having a hard time focusing because of how angry I am, this is why I do my best not to get angry or upset before important events and work because I need time to decompress with very specific activities I’ve created for myself (I have a lot of issues with my emotions and publicly socializing is already difficult enough for me when I’m neutral). I need to communication with people I have a problem with as soon as possible because keeping it in just makes my emotions worse at this point in my life (I’m trying to get professional help for this bc this is not something I can get all the time). So since I’m not getting this communication because I’m at work my emotions are skyrocketing and I’m overthinking everything, and it’s getting in the way of my work ethic and that’s just making me more mad because I want to do my best when working. My boss noticed (sweet lady) and she says I can take an early 30 min break, and I do that immediately. I try to call my roommate to talk about it but he was in an important call, so I hang up and leave him alone. I go for a walk, I have a smoke, do what I need to do for myself, and my boss texts saying I can take an hour off if I need bc I got some hours saved up. And I do that. I’m at the 45 minute mark after I’m done talking to another friend of mine, and I’m still just feeling this anger and now a daunting paranoia. So I go to talk to my friend/roommate. Part III So I walk in, keeping my cool as much as possible and I ask to talk to him because he’s in a call with someone else, and he agrees to it. He’s noticeably more sober by this point, so I’m thinking good this’ll be a good talk. I begin to tell him how what he said made me feel, and he almost immediately cuts me off and goes into how I have no business telling him what he said to me, that I’m now twisting his words, talking bad about his past, how I’m sensitive and we’ve already had this conversation about how sensitive I am, implying how much of a bummer I must be. Sometimes he does this shit for reasons I cannot understand, and when he does he acts like I’m twisting words when very clearly he’s making assumptions about things he’s misinterpreting. No one has any reason to think I’m not biased to myself saying this but the most I can say is I’m being entirely transparent here without spilling anyone’s guts about our pasts, because our pasts was very much brought up here for reasons I cannot understand. I see things, he knows this, I see a version of him that I can’t really tell apart from the real him, or the him I believe to be real, this version is like a walking trigger and reminds me so much of someone who’s caused a lot of my trauma, and this happens a lot for me but especially when I’m already in a fucked state of mind, and this conversation was doing this to me. So I punched him. And there was a fight. And it was painful for both of us physically and emotionally bc a lot of words, from him specifically where headed my way about things I’m already scared about like how I’m a psycho and the fact I hurt him. And this just drove me further into this really fucked state of mind. It was a blur of a lot of things I could not distinguish from reality. He knows all of this about me so it was really confusing why he didn’t consider that before coming out so strong towards me before the fight, bc I also said that I was in a space when I started to talk to him. I don’t expect or want anyone to just give me a pass because of my mental issues, or justify psychically harming a loved one, or to think I’m being biased to myself because I’m not doing any of that and I don’t wanna hear it from anyone. I just wanna know… well I just wanna know if I really am just sensitive and I hurt someone because I’m some big softie. Or if there was actual needless pressing going on here. I don’t wanna be right because I’m definitely not with half the shit I did, but I just need an outside opinion.
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2021.10.25 07:43 akosidabiiid Joim
2021.10.25 07:43 DoorOutrageous3696 Colour of fans on AIO not changing
2021.10.25 07:43 Arforextrading NZD/USD: ND wins back its positions
NZD is showing active growth during the morning session, quickly recovering from the corrective decline at the end of last week, when the instrument failed to consolidate at the June local highs. The macroeconomic statistics from the US published on Friday did not provide almost any support to USD. Nevertheless, Markit Services PMI in October rose from 54.9 to 58.2 points against the forecast at 55.1 points. Markit PMI Composite for the same period strengthened from 55 to 57.3 points, which also turned out to be better than expected at 54.7 points. Today, investors are focused on Chicago Fed's National Activity Index for September, as well as Dallas Fed's Manufacturing Business Index for October. Noteworthy statistics from New Zealand will appear only tomorrow, when the September data on the dynamics of imports and exports will be published.
Support and resistance
Bollinger Bands in D1 chart show stable growth. The price range expands actively, freeing a path to new local highs for the "bulls". MACD preserves an uptrend with a quite strong signal for purchase (the histogram is located above the signal line). Stochastic, on the other hand, is declining rather quickly, signaling in favor of the development of a corrective decline in the ultra-short term. Resistance levels: 0.7200, 0.7250, 0.7286, 0.7315. Support levels: 0.7150, 0.7100, 0.7040, 0.7000.
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2021.10.25 07:43 Disastrous_Topic_956 Ето за анти ваксарите
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2021.10.25 07:43 AutoNewspaperAdmin [SY] - A stand in Aleppo countryside in protest against Turkish occupation crimes | SANA
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2021.10.25 07:43 SevereCartographer26 People that dislike love this season yet like Joe because hE tRieS tO Be bEtTeR make literally no sense 😐
Love was impulsive and half of the things that went wrong this season was because of her and Joe had to help clean up all the chaos she created! However that doesn’t mean Joe is better just because he “tries to be better” this man has still killed people doesn’t matter if they were innocent or not he’s still a murder lol he’s no better than love if anything they are equal .
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2021.10.25 07:43 ThrowRAidk666 Self deprecating humor is so cringey and I pity anyone who does it
I know, I know there can be some exception sometimes, some jokes can be funny and "witty" but anything (mostly they are) with a poorly attempted lame punchline of how lonely you're or how ugly, unsuccessful and useless you are is just so cringey it makes me clench my teeth.
I got a nice, caring friend whom I love dearly but some of his ugly and tiny dick jokes make me wanna not be his friend. I don't understand how this dude even has a girlfriend with this low self esteem and bad humor. I also feel bad for my friend who's dating him, poor girl has to deal with it every often. I see the same time thing in Reddit too. "jokes on you! I'm ugly, short, fat, poor that wasn't loved as a child" - this same type of joke over and over. If you really wanna make fun out of yourself, be witty then? It ain't even funny, straight up cringey and just seems like you are self loathing. I automatically assume they're exactly what they're saying and just immediately scroll fast to ignore their pitiful existence.
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2021.10.25 07:43 CODICEaBARRE Oddio raga ma cos'è successo?
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2021.10.25 07:43 DaiStaying Hello I’m a katycat from China and I made a video for katy, I haven’t used twitter before and I hope you guys can help retweet my tweet so that she can that thaks
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2021.10.25 07:43 Granulka I need help figuring out if this broken kaoss pad is easily fixible and worth buying for 100USD. Will replacing a screen fix this problem? Screens can be bought from AliExpress for about 18USD and Reverb lists them at around 70USD.
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2021.10.25 07:43 denstorm2004 Disruptive self sustaining growth token
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2021.10.25 07:43 dtheme Dripping shower fan. I've settled on replacing it with an inline Manrose MF 100 - should I also move it to the left or right to avoid future dripping? Should I add a PIR sensor or link it to the light switch? House will be rented out.
|submitted by dtheme to DIYUK [link] [comments]|
2021.10.25 07:43 Titaniumeme What's the cringiest thing you've ever done?
2021.10.25 07:43 JustHereFor_daTea Why is SALT so quick to defend themselves but not him?
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2021.10.25 07:43 twodaysbuild rx - 78 - 2
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2021.10.25 07:43 Vazmeister03 What formation and players should I use for online matches?
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