#debt help Surrey

[foundtherightwords]

The Road Forgotten - Chapter 2

Pairing: Arthur Havisham (Dickensian) x OFC

A/N: I made Arthur bisexual and paired him with a female character in this. I know some writers have gotten flack for pairing Arthur with a female character (or reader), so if it's not your cup of tea, please walk away.

Mostly based on the events of "Dickensian", but I've also incorporated some elements and characters from "Great Expectations". Most notably, Satis House is in Kent (as in the book) instead of in London.

Summary: A few years after his plan to swindle his sister ended in tragedy, Arthur Havisham is a shadow of a man, living in guilt and fear. When Elsie Bradford, a young woman also wronged by Compeyson, enlists Arthur's help to hunt down his former partner-in-crime, Arthur must face his demons and other strange, new feelings, to redeem himself.

Warnings: slow burn, angst, revenge, guilt, psychological trauma, mention of prostitution, mention of suicide/suicide ideation, some violence, a bit of smut

Chapter word count: 3.1k

Chapter 1

Chapter 2

What a rotten way to start the morning, Arthur thought as he was all but bundled unceremoniously into a coach. To be fair, though, his morning didn't exactly start as much as simply continuing from the night before. It had been all a blur after he finished the bottle of brandy. It had been so long since he'd had a drink to keep the ghosts at bay, and it hadn't lasted him a single night. He didn't even remember if the man Miss Bradford had caught in his room was an invited guest or if he had merely followed Arthur back to his lodgings in the hope of having a share of the brandy.

Miss Bradford. He couldn't figure her out. When she'd first approached him, he'd thought she was having him on. But he doubted it. What more could anyone have to do with him? He had nothing left.

He hadn't even gotten a good look at her. The other night, frightened out of his wits by Sikes's attack and later, in the gloom of the Three Cripples, he had only had a brief glimpse. Now he watched her as she settled into the seat next to him, clutching a bouquet of hyacinths she had bought from one of the flower sellers on the street. Her features were fine enough, he supposed, though her coloring was unfashionably dark, and there was something severe, even intimidating in the set of her mouth, the wings of black hair over her forehead, and her figure, all straight lines and sharp angles. Only her bright green eyes have a degree of softness in them, but as her default expression was a scowl, any gentle look from her was lost. The men's clothing from the other night had given her a certain mysterious allure. Now, out of them and confined in a plain dress, she looked almost spinsterish.

He realized he was being uncharitable. After all, she had paid off his debt, and she might prove to be a gentler creditor than that old crook Fagin. And she had seemed quite offended when he suggested that she was planning on blackmailing him. He had seen her slip the flower girl an extra coin as well. Yet she could also send Bill Sikes running off like a whipped dog, and talk about killing Compeyson without batting an eye. Hell hath no fury as a woman scorned... He had witnessed that himself. The memory made him shudder.

Around noon, the coach dropped them off at a small village nestled at the foot of the Surrey Hills. Spring had left her marks more clearly here, with soft green leaves on the trees, primroses and buttercups blooming in hedgerows, and orchards frothy with pink and white blossoms. Miss Bradford started to walk with long, easy strides, and Arthur scrambled to keep up.

"Who are we going to see?" he panted.

"My sister," she replied.

He was startled but tried to keep a calm countenance. "What... happened to her?" he asked.

"You'll see," was all she said.

He felt a chill in the bottom of his stomach. It had been five years since Compeyson went out of his life like a curse, leaving behind pain and destruction. The truth of what had truly transpired was not known to a lot of people. Sikes had helped with intimidating Compeyson into confessing, but the ruffian never asked where he was being paid for, as long as he was paid, and he hadn't been present at Satis House, where the majority of the drama had played out. Honoria Barbary, the would-be bridesmaid, was now Lady Dedlock, living on a great countryside estate in Lincolnshire. Jaggers was unlikely to talk. As time went by, the story had gotten lost. If anyone knew of it at all, they would only have a vague idea that some fool in London had been swindled out of his inheritance and a lady in Kent had been jilted at the altar, without even connecting the two victims. Arthur wondered how much of it had reached Miss Bradford, but he was afraid to ask.

They arrived at a park or estate of some sort, surrounded by tall stone walls. Miss Bradford went to talk to the man at the lodge, and he opened the heavy iron gates to let them through. They followed a path winding between thick lines of trees, toward a manor in the distance. The lawn was dotted with daisies, and there was a shaded dell behind the manor, where some bluebells had made an early appearance. At first, Arthur thought they were quite alone, but he glimpsed a few figures, mostly women, strolling or wandering slowly around the grounds, leaning on the arms of others. The whole place had the tranquil, slightly soporific atmosphere of a convalescent home. As they neared the house, however, the tranquility was broken by incoherent screams, rants, and whimpers, punctuated with shouts and frantic running.

Inside, the house was laid out as a manor, with an entrance hall that branched off into different corridors and rooms. The furnishings were a lot plainer than any manor Arthur had ever known, and he had never seen a house where the sharp corners of tables and cupboards had to be padded up either. The screams were louder than ever, but he didn't see the screamers. The only people around were sober, capable-looking women, dressed in black or gray, hurrying back and forth with sheets, trays, buckets, and all sorts of frightful-looking instruments. His suspicion was confirmed - this was no ordinary convalescent home, but a madhouse, an asylum. The realization did little to alleviate his fears. What had Compeyson done to Miss Bradford's sister that she had to be in such a place?

Miss Bradford seemed to know her way around. Ignoring the distressing noises, she went straight into a room just off to the right of the hall, which appeared to be a reception room. A kindly elderly lady in a black gown, whom Arthur took to be the matron, stood up and greeted Miss Bradford by name. "Mrs. Gordon," Miss Bradford said, "how is Marianne?"

"She's doing much better," the matron said, smiling.

"May I... may I see her?"

"Now, Miss Bradford, you know what the doctors said..."

Miss Bradford's face fell. "Please. I've come from such a long way." Seeing the matron eyeing Arthur suspiciously, she quickly said, "He's with me. He's a... friend. Marianne doesn't know him. Please, Mrs. Gordon."

The matron seemed to take pity on her. "Oh, all right, maybe just for a few minutes. But if she gets agitated, I must ask you to leave. You do understand that, don't you?"

"Oh, yes, yes," Miss Bradford said, nodding eagerly. "Thank you so much, Mrs. Gordon."

Throughout this entire exchange, Arthur hung back by the door, not knowing what to do or what was expected of him. He felt out of place, not quite threatened but uneasily conscious of his maleness in this world of women, troubled, hysterical women at that. But now Miss Bradford beckoned him to follow Mrs. Gordon to the back garden, where a few benches were set out amongst the rose bushes. Mrs. Gordon disappeared back into the house. Miss Bradford sat down on one of the benches, then stood up again, then sat back down, squeezing the hyacinths, until Arthur was sure they were quite bruised.

At last, Mrs. Gordon emerged from the house, bringing with her a girl about six or seven years younger than Miss Bradford, wearing a simple white dress. She had the same coloring, though her skin was much paler, and there was a vacant, childish look in her blue-green eyes. When Mrs. Gordon led her to the bench where Miss Bradford and Arthur were waiting, the girl didn't see them right away. She noticed the hyacinths left on the bench and fell upon them.

"Hyacinths!" she exclaimed in the same melodious voice as Miss Bradford's, but slightly higher, with a strangely reedy quality to it. "I didn't know they were in bloom already!"

"That's right, Marianne," Mrs. Gordon said. "And see who brought them for you." She directed the girl's attention toward Miss Bradford.

Miss Bradford took a step forward. Marianne tilted her head, gazing at her with an uncertain smile. With a trembling hand, Miss Bradford took off her bonnet. "Marianne, it's me. It's Elsie." She reached out with her other hand but couldn't find the courage to cross that final distance and touch the girl.

"Elsie?" Marianne repeated.

"Yes. Your sister," Miss Bradford said.

At that, a remarkable change came upon the girl. Her eyes widened, threatening to pop out of the face that had gone, if possible, even paler, and her whole body shook terribly. She threw away the hyacinths and covered her face with her hands. "No!" she screamed. "Elsie is not home! She's gone to the shops! She's going to bring me back a blue ribbon for my hair! Elsie is not home! Papa! Papa! Help! There's so much blood... Someone help me! Blood! Blood! Papa! Elsie is not home! Help!!!"

Several heads turned toward them. Miss Bradford shrank back, as if Marianne's words were scalding her. Mrs. Gordon took the trembling girl into her arms, trying to soothe her.

"I'm sorry," Miss Bradford sobbed. "I'm so sorry..."

"That's all right, I suppose it was my fault for agreeing to it as well," Mrs. Gordon said. "I thought she was past this." Marianne was still thrashing in her arms and screaming incoherence. A few stoutly-built women, dressed as orderlies, quickly ran over and helped Mrs. Gordon take Marianne back into the house, while her screams for help echoed through the garden and mingled with the screams from the house.

Arthur stumbled to the bench and sat down heavily on it. Those screams were horribly familiar to him, not in their words, but in their notes of hysterical anguish. He had heard similar screams five years ago, and had been hearing them every night since. Now he understood the reediness in Marianne's voice - the girl must have screamed herself hoarse so many times. Even her white dress had reminded him all too vividly of another young woman in white, driven mad with grief. He wondered how she would react upon seeing him again. Possibly in a very similar manner to how Marianne had reacted to Miss Bradford, perhaps even worse. His hands shook and his throat was parched. He wished he had pestered Miss Bradford into buying him a drink before they came here.

Miss Bradford picked up the hyacinths and tried in vain to rearrange them, but they were beyond help. This seemed to break something in her. She slumped down next to him, her body wracked with sobs. Arthur thought vaguely about patting her hand or offering her a handkerchief. They often did that to women in distress, didn't they? But he was too dazed to do anything except to listen to her cries, made all the more distressing because she was trying to choke them back. He didn't know how long they sat there, each lost in their own personal hell, until Miss Bradford finally gathered herself together with a sniff and stood up. Without a word, Arthur followed her.

Neither of them said anything all the way back to the village and during the return trip to London. It wasn't until they had repaired to the familiar smoky room of the Three Cripples, been reinvigorated by several pints of ale and Mrs. Cratchit's excellent pies, that Miss Bradford told Arthur her story.

"Our mother died giving birth to Marianne. I practically raised her. Our father had a small business in Hampshire, a silk mill. Ten years ago, he met Compeyson, who quickly gained his confidence and convinced him to invest in a coal mine, which turned out to be empty. He lost his entire fortune. He killed himself. And... Marianne found him." Miss Bradford's voice caught. She swallowed, composed herself, and continued, "Her mind was broken ever since. Everything from her old life, including me, reminds her of that horrible moment."

Yes, Arthur knew how the past could hurt, knew it all too well. But at least he still retained a fragment of his mind, a modicum of his self, no matter how pathetic it was.

"With no means to support ourselves, I left Marianne with a distant cousin and went to London to find work," Miss Bradford went on. "The only work I could find was at a hotel in Covent Garden, run by a Mrs. Hill. Well, they call it a hotel." A sad smile appeared on her lips, and she glanced down, as if embarrassed. Arthur felt his cheeks heating up. He himself had often visited those hotels, the conventional ones as well as the ones that catered to more specific tastes. "I was just a maid of all work at first. It was backbreaking work, and I couldn't earn enough to live, let alone for Marianne's keep. Without my money, the cousin stopped caring for Marianne and would leave her locked up for hours, even days..." Her voice choked again. Arthur didn't know where to look. Here he was, a moment ago, congratulating himself for not losing his mind, while it was nothing compared to what Miss Bradford and her sister had gone through. He thought again of frail, vacant Marianne as a little girl, locked up in the dark for hours with nothing but her horrible memories for company, and his heart pinched with an unfamiliar twinge of sympathy.

"So when Mrs. Hill asked how I should like to earn more money by doing something a lot easier, of course I said yes. And honestly, the work... wasn't bad, once you got used to it. Mrs. Hill never put me with the rowdy lot." Miss Bradford's voice remained even, but Arthur couldn't help noticing her hands never stayed still. She kept fiddling with a loose thread on her glove, or gripping and twisting the buttons on her sleeves. "But what I didn't know was that, while I remained a maid, I owned myself, but as soon as I became one of her 'girls', Mrs. Hill owned me. I owed her for everything, for the clothes I wore, the food I ate, the room I slept in, and the debt just kept piling up. I knew she would never let me pay it off, as long as I could still make her money. So I had to get out."

"How did you manage?" Arthur asked.

"I suppose you could say I got lucky," Miss Bradford said, still keeping her eyes on her restless hands. "A kindly gentleman would often come to Mrs. Hill's to see me, for the company more than pleasure, for he was a lonely old man. So when he passed, he left me enough money to pay off my debt and set Marianne up in an asylum."

Ah, so that explains it, Arthur thought, then felt ashamed for judging her. Would he have acted any differently, had he been in her shoes?

She finally lifted her head to look at him. "I'm not telling you this to evoke pity or sympathy, Mr. Havisham. I only wish to explain why I want to kill Compeyson. He not only took my fortune, but he took my family as well. If he had done that to your sister, wouldn't you feel the same?"

Arthur flinched, and Miss Bradford mistook his expression of despair for anger. "I don't mean to compare our misfortunes," she said in a gentler voice. "I know he swindled you as well." She was looking at him with sympathy. Nobody had looked upon him with kindness in so long that he almost didn't recognize it. He wanted to turn away, to tell her he didn't deserve her sympathy, that he was the maker of his own tragedy as well as another's. But he couldn't bring himself to confess. Instead, he only took a long draught of his ale and asked, "How did you hear about me and Compeyson?"

"I have the address of his lodgings in London. It was over ten years old, so I didn't have much hope, but the landlord remembers his name and knows he was often in your company. From there it was just a matter of asking around."

So she didn't know. He preferred it that way.

"But why do you need my help?" he said. "I've told you, I haven't seen him in five years. Your guess of his whereabouts is as good as mine."

"I must admit, I'm not merely seeking information from you. I'm hoping you would accompany me in my search."

"Why? You were doing quite well for yourself." He was a coward, and she didn't look like she was in need of a knight in shining armor.

Again, a compulsive twist of her palm. "Well, my knife is more for intimidation," she admitted. "I've never stabbed anyone. And my disguise may work well on a dark night in Saffron Hill, but you yourself know that Compeyson doesn't move in these circles. He seeks to ingratiate himself with wealth. And wealthy people may be disinclined to speak to a strange woman, but they may talk to you."

Arthur almost let out a bitter laugh. Even when the name Havisham still meant something around these parts, nobody had had a very high opinion of Arthur Havisham, let alone now, when he had been reduced to a miserable wretch. But this woman didn't know it. And she was looking at him with—if not hope and trust, then at least expectation and confidence, everything he was unaccustomed to, and he couldn't help feeling a bit pleased. Someone wanted him. Someone needed him. This would give him a purpose. Plus, he couldn't deny that a small part of him, a part that didn't cower in fear at the mere mention of Compeyson's name, a part that still retained some of the Havisham's pride and strength of will, actually wished he could do what this woman was trying to do - to punish the foul fiend. It was true that she wanted a version of him that never was, but perhaps he could find it in himself to be that person.

When he didn't say anything for a while, Miss Bradford let out a resigned sigh. "I thought we could help each other, since we have an enemy in common. But if you prefer to not get involved, I understand." She brushed the pie crumbs from her lap and stood up. "Consider the debt I paid for you a gift, from one victim to another. I shall not bother you again."

She turned to leave. Before his newfound resolve had a chance to fade away, Arthur put out a hand to stop her.

"Wait, Miss Bradford," he said. "I'll help you."

Chapter 3

[ukrfeminism]

One in three pregnant women in prison are being held on remand awaiting trial, new data obtained by the Observer can reveal.

Figures collected through a freedom of information request show that between April 2022 and March 2023, 34% of pregnant women in prisons in England and Wales for whom data was available were being detained before their trial.

The statistics from the Ministry of Justice (MoJ) come amid growing concerns that prison is not safe for pregnant women and unborn babies and renewed calls for an end to custodial sentences for expectant mothers.

Two babies have died in England’s prisons in recent years. In June 2020, a baby was stillborn at HMP Styal in Cheshire, and last week a vigil marked four years since the death of Aisha Cleary, whose 18-year-old mother was on remand when she gave birth alone in a cell at HMP Bronzefield in Ashford, Surrey, in 2019.

Rianna Cleary lost her baby after repeatedly trying to call for help by pressing her cell bell. She was found cradling her deceased infant more than 12 hours later, having bitten through the umbilical cord.

In July, an inquest found “serious failures” led to the death of Aisha, who “arrived into the world in the most harrowing of circumstances”.

At a final hearing scheduled forMonday , a senior coroner will consider whether to make any recommendations to prevent future deaths.

A prison ombudsman report published in 2021 criticised the care of Aisha’s mother and concluded “pregnancies in prison should be treated as high risk by virtue of the fact that the woman is behind a locked door for a significant amount of time”.

Between 2022 and 2023 there were 44 births to women in custody, 98% of them in a hospital. Pregnant women in English prisons are seven times more likely to suffer a stillbirth than those in the general population.

Kirsty Brimelow KC, a criminal barrister and former chair of the Criminal Bar Association, said there is widespread recognition that prisons are unsafe places for pregnant women but that the current law and guidelines – and their application – are failing to provide adequate protection for this vulnerable group.

“Newborn babies dying in prison cells is tragically Dickensian and should not be happening in a 21st-century criminal justice system,” she said.

“There should be guidelines introduced that make clear the default position is that pregnant women should not be remanded in custody. The Bail Act 1976 should be further amended to enhance the right to bail for pregnant women.

“The Crown Prosecution Service needs to introduce guidance for prosecutors so they pay particular attention to bail for pregnant defendants. Such changes aren’t complex.”

Suzy, whose real identity we are protecting, spent six months in prison on remand before being acquitted at trial. She discovered she was pregnant when she was first admitted to the prison and her lawyers tried to get her bail but it was denied.

During her time in prison, she felt constantly stressed about what would happen to her baby. She said that there was a lack of privacy and support and that she would often go hungry.

She also feels she suffered an injustice being held in prison awaiting trial. “I lost half a year at university and when I went back, I owed thousands of pounds because I didn’t complete the year. I was ordered to pay it back outside of my student loan as it’s seen as a debt.”

She added: “The practice of remanding pregnant women should be abolished. People lose their homes and jobs and the knock-on effect to our society with children not having the best start in life is awful.

As my pregnancy progressed, I became increasingly hungry but the prison officers said I wasn’t allowed more to eat. The only way I got extra food was when some of the women who were on methadone gave me their sandwiches.”

Figures published by the MoJ show there were 194 pregnant women recorded as being in prison in England and Wales between April 2022 and March 2023.

Data collected in response to a freedom of information request found that a third of prisoners are on remand in the 80% of cases where there was data available.

While 52 pregnant women were on remand, 74 had been sentenced and 25 had been recalled. The status of the remaining 43 pregnant women could not be confirmed because of different monitoring and data collection.

Janey Starling, co-director of the campaign organisation Level Up, said: “The government can and must end the imprisonment of pregnant women and new mothers. Several countries have already done this. For example, Brazil has ended the pre-trial detention of pregnant women and mothers of children up to 12 years old. England must catch up.”

Last year, the Royal College of Midwives was among signatories to an open letter asking the Sentencing Council to review sentencing practices for pregnant women.

An MoJ spokesperson said: “Remand decisions are made by independent judges who will consider pregnancy and the impact on children when deciding if remand is necessary.

“We have made significant improvements to better support pregnant women, including dedicated liaison officers, extra welfare checks and improved social services support, which will ensure pregnant prisoners get the care they need.”

[alphamortgage]

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[approved-autoloans]

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Securing a car loan in Surrey doesn’t have to be complicated. By understanding the different types of loans, researching lenders, and preparing your finances, you can find the best loan for your needs. Whether you’re looking for a new car loan, refinancing, or exploring alternatives like leasing, being informed is your best tool. Click Here For More Details…

[crown-funding-mortgage-broker]

Can a Second Mortgage in Surrey Help You Consolidate Debt?

When managing multiple debts becomes overwhelming, finding a solution that simplifies your financial situation can provide significant relief. One effective strategy that many homeowners are exploring is taking out a second mortgage in Surrey to consolidate their debts. At Crown Funding, we understand the financial pressures you face and are here to guide you through how a second mortgage can be a practical tool for debt consolidation. Read More

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📈💰 Financial Considerations Based on Different Ages & How a Financial Advisor Can Help 💰📈

Managing your finances can be complex at any stage of life. Here are some key tips to guide you, and how a financial advisor in Surrey, Canada can help you achieve your goals! 🌟

👶 In Your 20s: Focus: Building an emergency fund 💼, paying off student loans 📚, and starting to invest early 📈 Advisor's Role: Helping you create a budget, set financial goals, and choose the right investments 🔍

🧑‍🎓 In Your 30s: Focus: Buying a home 🏠, maximizing retirement contributions 🏦, and saving for your children’s education 🎓 Advisor's Role: Providing mortgage advice, optimizing retirement plans, and creating education savings strategies 📝

👨‍👩‍👧‍👦 In Your 40s: Focus: Paying down mortgage debt 🏡, diversifying your investment portfolio 📊, and considering long-term care insurance 🏥 Advisor's Role: Offering debt reduction plans, portfolio diversification advice, and insurance recommendations 🛡️

🧑‍🏫 In Your 50s: Focus: Catching up on retirement savings 💸, planning for healthcare costs 💊, and updating your will and estate plan 📜 Advisor's Role: Creating catch-up saving strategies, estimating healthcare costs, and assisting with estate planning 🏛️

👴 60 and Beyond: Focus: Transitioning from saving to spending wisely 💳, evaluating social security benefits 🏛️, and enjoying retirement 🌴 Advisor's Role: Crafting a sustainable withdrawal strategy, maximizing social security benefits, and ensuring a comfortable retirement budget 📅 A professional financial advisor can guide you at every stage of your financial journey, ensuring you make informed decisions and stay on track to meet your goals. 📅✨

Tejinder Pal Singh: +17786823036 Manmeet Kour: +17789899401

[alpinecreditsbc]

Loan Agency

Address: 10524 King George Blvd Surrey, BC V3T 2X2

Phone: (800) 587-2161

Email: info@alpinecredits.ca

Website: https://alpinecredits.ca/

Description: For over 50 years, Alpine Credits has been a pioneer in the private lending market. We’re helping Canadian homeowners get home equity loans (home equity mortgage) when they need it. Our primary concern is not your age, credit or income history in approving you for a loan. We focus on the value you have in home equity and, unlike the banks with their stringent lending criteria, we try to make the lending process as easy as possible. Whether you need to borrow money to consolidate debts, complete home renovations, or grow a business, we’re here to help.

Keywords: Home equity loan, debt consolidation, personal loans

Hour: Monday to Friday - 6:00 am to 6:00 pm, Saturday to Sunday - 8:00 am to 4:30 pm

Year of Est.: 1969

No. Of Employees: 100 – 200

Social Media Links

https://www.facebook.com/alpinecredits

https://twitter.com/i/flow/login?redirect_after_login=%2Falpinecredit

https://www.instagram.com/alpinecreditscanada/

https://www.linkedin.com/company/alpine-credits-ltd-/

https://www.youtube.com/user/alpinecreditsca

[viditparuthi]

Unlocking Financial Freedom: The Benefits of Mortgage Refinancing in Surrey

In the dynamic real estate landscape of Surrey, homeowners often find themselves exploring avenues to optimize their financial strategies. One such avenue gaining popularity is mortgage refinancing. In this blog post, we will delve into the key aspects of mortgage refinancing in Surrey, shedding light on the potential benefits for homeowners.

Understanding Mortgage Refinancing: Mortgage refinancing involves replacing an existing mortgage with a new one, often with more favorable terms. Surrey residents turn to professionals like Vidit Paruthi, a trusted Mortgage Professional, for expert guidance in navigating this process.

Lower Interest Rates, Lower Payments: One of the primary reasons homeowners in Surrey consider refinancing is to take advantage of lower interest rates. By securing a new mortgage with a lower interest rate, borrowers can potentially reduce their monthly mortgage payments. This not only frees up cash for other expenses but also contributes to long-term savings.

Consolidating Debt: For Surrey homeowners managing various debts, mortgage refinancing can provide a strategic solution. Vidit Paruthi helps clients consolidate high-interest debts, such as credit card balances or personal loans, into a single, more manageable mortgage. This can lead to lower overall interest costs and simplify financial management.

Accessing Home Equity: Surrey's real estate market has witnessed significant appreciation in property values. Mortgage refinancing allows homeowners to tap into this accrued home equity. Vidit Paruthi assists clients in leveraging their equity for various purposes, such as home improvements, education expenses, or investment opportunities.

Flexible Loan Terms: Mortgage refinancing enables Surrey residents to reassess and customize their loan terms to better suit their financial goals. Vidit Paruthi works closely with clients to explore options like switching from an adjustable-rate mortgage to a fixed-rate mortgage or adjusting the loan duration to align with their financial plans.

Avoiding Foreclosure Risks: In challenging economic times, some Surrey homeowners may face the risk of foreclosure due to financial hardships. Vidit Paruthi's expertise in mortgage refinancing provides a lifeline for those seeking alternatives to mitigate foreclosure risks. By restructuring the mortgage terms, homeowners can potentially avoid the dire consequences of foreclosure.

Enhancing Financial Stability: Achieving financial stability is a common goal for Surrey residents. Mortgage refinancing allows homeowners to reevaluate their financial situation and make adjustments that contribute to long-term stability. Whether it's lowering monthly payments, reducing debt burdens, or accessing equity for investments, Vidit Paruthi guides clients toward sound financial decisions.

Expert Guidance from Vidit Paruthi: Navigating the complexities of mortgage refinancing requires professional expertise, and Vidit Paruthi stands out as a reliable Mortgage Professional in Surrey. With a commitment to personalized service, Vidit assists clients in making informed decisions that align with their unique financial objectives.

In conclusion, mortgage refinancing in Surrey presents a strategic opportunity for homeowners to optimize their financial position. Whether it's lowering interest rates, consolidating debt, accessing home equity, or securing more favorable loan terms, the expertise of professionals like Vidit Paruthi ensures a seamless and beneficial refinancing experience. As Surrey residents aim for financial freedom, mortgage refinancing emerges as a powerful tool in their arsenal.

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Mastering Debt Negotiation: Pay Less, Settle Smart

Debt negotiation mastery leads to smart settlements. Pay less and regain control of your finances with our expert insights.

[gurinderbatras]

A Comprehensive Guide for First-Time Mortgage Applicants

Most likely, when you've made the decision to acquire your first house, you intend to apply for a mortgage in order to pay for it. For most first-time home buyer mortgage, getting a mortgage can seem overwhelming and difficult, but it doesn't have to be. Nonetheless, applying for a mortgage is not too difficult if you have the correct people to help you and you prepare properly. Mortgage Broker Surrey Bc with experience, is aware of how challenging the mortgage application process can be, particularly for first-time homebuyers. For this reason, I've put together a basic mortgage application guide. 

Getting Started

Hire a professional: When you work with a mortgage broker to help get your mortgage approved, you are working with a neutral, independent party. They might highlight anything that you might not have known about or hadn't given much thought to when your mortgage was approved. 

Get your financial paperwork together: A T4, Notice of Assessment, bank or investment statements for the down payment, recent pay stubs, business financials, if you operate your own business, etc., are among the documents you will need to provide as part of the mortgage procedure. Be ready to submit more documentation if needed. 

Next Steps

Plan ahead: Being granted a mortgage is contingent upon a multitude of factors, many of which need to be addressed over time to ensure good handling. You will be ready for everything that may come your way if you plan ahead and conduct your study beforehand. 

Maintain your current financial status: Don't miss any payments, don't quit your work, and don't apply for new credit. Don't use your down payment or attorney fees. Tell me about all of your debt, including any spousal and child support, as these need to be included in our application and can be treated differently. If at all feasible, try to maintain your credit balances below 50% of the allowed limit as this will help to maintain higher credit scores.

Advice From The Pros

Ask questions: Make a ton of inquiries. We appreciate the inquiries and want to make sure you are completely satisfied with the choices you have made. Furthermore, we kindly ask that you reply to inquiries, requests for documentation, and other requests for information promptly and that you disclose all relevant information truthfully. 

Please contact me at BC if you're seeking a mortgage broker in Surrey, British Columbia, or elsewhere. I have over forty years of experience working for several financial companies in the financial industry. The limited financing alternatives available to me were one of the things that truly disturbed me during my time at the bank. Please visit this link to find out more about the services I provide. To communicate with me.

[quikermortgageca]

Quicker Mortgage - Mortgage Online Surrey

Quicker Mortgage is the premier online mortgage broker in Surrey, providing excellent value for money services to individuals, families, and businesses. Quicker Mortgage has a highly experienced team of certified professionals who strive to make the process of getting a mortgage as quick and hassle-free as possible. Our range of services includes loan origination for residential and commercial mortgages, refinancing options, and debt consolidation. We also specialize in home equity loans and lines of credit for our clients. Contact us today to learn how we can help you get the best possible deal on your mortgage!

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New Post has been published on All about business online

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Mohamed Al Fayed: Former Harrods owner dies at 94

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Mohamed Al Fayed, the former Harrods boss whose son Dodi was killed in a car crash alongside Diana, Princess of Wales, has died aged 94.

Born in Egypt, he built a business empire in the Middle East before moving to the UK in the 1970s.

However, he never realised his ambition to gain a passport for his adopted country.

He spent his later years questioning the circumstances surrounding the deaths of Dodi and Diana.

Mr Al Fayed had remained largely out of the public limelight in the past decade, living in his Surrey mansion with his wife Heini.

In a statement released on Friday, his family said: “Mrs Mohamed Al Fayed, her children and grandchildren wish to confirm that her beloved husband, their father and their grandfather, Mohamed, has passed away peacefully of old age on Wednesday August 30, 2023.

“He enjoyed a long and fulfilled retirement surrounded by his loved ones.”

The life of colourful tycoon Mohamed Al Fayed

Princess Diana and Dodi love affair becomes opera

History of Harrods department store

Michael Cole, a former BBC Royal correspondent who later worked for Mr Al Fayed as director for public affairs at Harrods, described him as “an extraordinary character”.

He told BBC Radio 4’s Today programme Mr Al Fayed was a “fascinating and a larger than life” character and someone who was “full of humanity”.

Fulham Football Club, which Mr Al Fayed owned for many years, said that it was “incredibly saddened to learn” of his death.

“We owe Mohamed a debt of gratitude for what he did for our club, and our thoughts now are with his family and friends at this sombre time,” it said in a statement.

His successor at the club, Shahid Khan, expressed his condolences in a tribute on the club’s website.

“The story of Fulham cannot be told without a chapter on the positive impact of Mr Al Fayed as chairman,” he said.

“His legacy will be remembered for our promotion to the Premier League, a Europa League Final, and moments of magic by players and teams alike.”

Journalist Piers Morgan described Al Fayed as an “extraordinary tour de force of a man who never got over the death of his beloved son Dodi in the crash that also killed Diana”, adding that he was a “flawed, complex character” but that he liked him.

Mr Al Fayed rose from selling fizzy drinks on the streets of his native Alexandria in Egypt to become a big name in business with all the right contacts.

His break came after he met his first wife, Samira Khashoggi, the sister of Saudi millionaire arms dealer Adnan Khashoggi – who employed him in his Saudi Arabian import business.

The role helped him forge new connections in Egypt, and although the marriage lasted little more than two years, Mr Al Fayed went on to launch his own shipping business.

In 1966, he became an adviser to one of the world’s richest men, the Sultan of Brunei.

He moved to Britain in 1974 and five years later bought the Ritz hotel in Paris with his brother Ali for £20m.

They went on to take over Harrods in 1985 for £615m, following a vicious bidding war with mining conglomerate the Lonrho group.

Under his ownership, Fulham FC rose from the third tier to the Premier League.

He gave generously to charities including Great Ormond Street Hospital and, as a father of five, showed a particular interest in helping underprivileged or unwell children.

He set up the Al Fayed Charitable Foundation in 1987 to better the lives of impoverished, traumatised and very sick youngsters.

It was from his Ritz hotel in Paris that his son Dodi, a film producer, and his then-partner Diana, Princess of Wales, departed, before the car crash which killed them both in 1997.

Mr Al Fayed never recovered from the shock of the crash, becoming obsessed with the speculation surrounding the deaths.

His evidence at the inquest in February 2008 included claims that the deaths were on the orders of Prince Philip and with the connivance of MI6.

They were deemed a “conspiracy theory” by the coroner and rejected by the jury.

Mr Al Fayed twice failed in his attempt to secure British citizenship.

On the second occasion in 1995, angered by the rejection, he told the press that he had paid two Conservative ministers, Neil Hamilton and Tim Smith, to ask questions in the House of Commons about his interests.

They both left the government, and Mr Hamilton, who denied the allegation, also lost a libel case against Mr Al Fayed.

A third politician, Jonathan Aitken, who was then a cabinet minister, also resigned after Mr Al Fayed revealed that he stayed for free at the Ritz in Paris at the same time as a group of Saudi arms dealers.

In 2010, Mr Al Fayed sold Harrods to the sovereign wealth fund of Qatar. Nearly half of the purchase price was used to clear the company’s debts.

Royal historian Prof Kate Williams said Mr Al Fayed was a man on a mission after his son’s death, but said he would also be remembered as a man who reshaped the iconic Harrods department store.

“It was his dream and his baby,” she said.

She added that Mr Al Fayed was a great benefactor for charities and hospitals – which is how he met Princess Diana.

“He was a very significant force in British life,” Prof Williams told BBC Breakfast, adding that he was a figure who would not be forgotten.

Related Topics

Harrods

More on this story

The life of colourful tycoon Mohamed Al Fayed

11 hours ago

History of Harrods department store

8 May 2010

Princess Diana and Dodi love affair becomes opera

29 June 2022

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