Enhanced Personal Allowance

Allow basic rate PAYE tax payers to "buy" an enhanced personal allowance. There exists already a system for Self Assessment taxpayers to make a payment on account towards their future tax / current bills. Why not allow PAYE taxpayers to do the same. Currently their are some of us that would rather not put spare our money in the banks' coffers and earn too much to claim tax credits. I would much rather give this spare money to the goverment to offset against my PAYE tax in return for a higher personal allowance, meaning that in the rainy years ahead I have more money in my pocket at the end of the month.

Why is this idea important?

Allow basic rate PAYE tax payers to "buy" an enhanced personal allowance. There exists already a system for Self Assessment taxpayers to make a payment on account towards their future tax / current bills. Why not allow PAYE taxpayers to do the same. Currently their are some of us that would rather not put spare our money in the banks' coffers and earn too much to claim tax credits. I would much rather give this spare money to the goverment to offset against my PAYE tax in return for a higher personal allowance, meaning that in the rainy years ahead I have more money in my pocket at the end of the month.

Change to the Limitations Act

I would like to see a change to the Limitations Act which would reduce the time limit mortgage lenders are able to pursue debtors from 12 years to 6 years in line with other creditors. for far too long mortgagees have enjoyed a 12 year limitation period where a shortfall has been created when they take possession of a property and not enough scrutiny is given to them selling the property massively at undervalue instead of renting the property to reduce this debt or handing the property letting a RSL

Why is this idea important?

I would like to see a change to the Limitations Act which would reduce the time limit mortgage lenders are able to pursue debtors from 12 years to 6 years in line with other creditors. for far too long mortgagees have enjoyed a 12 year limitation period where a shortfall has been created when they take possession of a property and not enough scrutiny is given to them selling the property massively at undervalue instead of renting the property to reduce this debt or handing the property letting a RSL