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He was also fined £2,500 and warned as to his future conduct. Written reasons. Appeal Ground(s): Excessive punishment. Appeal dismissed. Original sanction remains in place. Written reasons of appeal.
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Also, a cash-out refinance replaces your existing mortgage, while a HELOC is an additional loan on top of your existing mortgage. You will have to pay closing costs to refinance your mortgage, so be sure to weigh the options to see if a cash-out refinance makes financial sense for you.
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