DivingMissDaisy

Hi all Working my way through the citizenship application and now at the countries visited question. I can barely remember what I had for dinner last week, far less dates & countries I have visited since I was 18!! What can I do? Put in a few and hope for the best or is there a Gov contact point in the UK that can send me exit/entry dates? Didn’t think this would be so detailed!! Thanks again Audrey

Thank you [emoji106][emoji2533][emoji106][emoji2533]

Just started working through the very lengthy Citizenship application. It hasn’t yet asked me for my husbands details. Do we need to apply separately? Thanks

Thanks for the link. I had already checked with them and they only do parcels, not regular mail. Sent from my iPhone using Tapatalk

Hi all I've been having my UK mail sent to a friend, but she has now moved back to her mum's and I don't want my mail going there. Does anyone use a Mail Forwarding company for general mail, that will scan and send on and post out new bank cards, etc? Thanks X Sent from my iPhone using Tapatalk

That's right, you need a transaction account and you need to do one tap transaction a month. I did that for a while and just bought one coffee a week using the paypass. To have funds at call and be getting over 3% is worth it. Some accounts like this only offer the bonus rate of interest for 3 months, where as there's no introduction period for this. Just tap a transaction a week and the extra 1.75% is yours. Sent from my iPhone using Tapatalk

I use them, transaction & savings. No complaints from me. Always quick & helpful on the phone and great bonus rate on the savings account. Refunds for any ATM charges. All good. Sent from my iPhone using Tapatalk

That's fab AJ!! I hadn't even thought about your situation, glad it helped. You're right though, so many more people could be affected. Immigration emailed me back the record within a couple of hours, though I did mark it as an urgent request and the reason. Longest part was getting a JP to sign it!

Just a quick update in case anyone is ever in the same situation as me - I've managed to get the loading removed!!! :jiggy: Emailed the form http://www.border.gov.au/forms/Documents/1359.pdf to request.movement@border.gov.au and got my record back within a couple of hours, much to my amazement. Requested a copy of my Medicare Registration letter over the phone on 132 011 and once that arrived, I emailed them both to the Health Insurance. There's a calculator here http://www.privatehealth.gov.au/footer/tools/lhcc.htm and it can work out if you are actually due to have loading or not. Whilst I feel very lucky to have this removed, I certainly wouldn't recommend getting your Medicare card when you come out on a holiday. It just wont be worth the expense if you don't get it removed. Audrey

Thanks NicF Spoke to the insurance company again today as I'd escalated it, they still don't know!! I've sent off the request for my movements, but no idea how long that will take to come back. The only thing that's making me feel better at the moment is that I completed the online loading calculator which says that as I wasn't in the country in the anniversary of my Medicare registration and that I wasn't here over 90 days in one trip, that I'm not liable for loading! So think this backs up what you said and hopefully get it sorted.

Hi I've been hit for Lifetime Loading on my Health Insurance. To get this off I need to send them a Medicare Registration Letter, however that's where the issue lies. We came to validate our Visa in 2011 and as our Daughter needed medical treatment, we had our PR, so applied for Medicare to cover. We came out again on holiday in 2013, but only actually moved here in November last year. I know you get a year to get private health insurance, so have tried to call Medicare today to see what they can do to help and I was told it was an ATO issue. Called ATO and they have no idea and have put in a request for a specialist to look into it and call me back. I've googled and found this - http://www.privatehealth.gov.au/healthinsurance/incentivessurcharges/lifetimehealthcover.htm But wondering if anyone has ever been in the same situation as me and how they got round it. If I apply for an International Movements form to show that we've not been in the country since we got the Medicare cover, is that enough to get the loading off or is there another route that I should be going down? I've had a search on here, but can't see what I'm looking for. Thanks

I never thought I would get $2.4, as no one is going to give themselves a low return for sending cash to the UK. I can understand the best available now rate and even the better requested if you're transferring a lump sum, but there are all these other rates right up to $2.5. Just wondered if there was anyone who had used a better rate than the better requested one.

Hi Looking at the rates on CurrencyFair, in the MarketPlace in particular. Has anyone ever used this? From what I read there they can offer better than Market Rates due to offering to exchange the opposite direction. But transferring £10,000 at a rate of $2.4 just seems too good to be true. I'll give them a call tomorrow, but just looking to see if anyone has ever tried to book one of these MarketPlace deals before. Thanks Audrey

Is there any insight into what the coming weeks hold? I have a lump sum to move and wondering if I should move now or later.

Haven't heard of that one, usually use HiFX. Are they easy to use? Not in any rush to bring money over, but wish I had a crystal ball on how the rate will go! [emoji6]