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*Turbo*

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Everything posted by *Turbo*

  1. Thanks for the feedback, I'm glad we are all in general agreement:thumbsup: A maid would be very tempting but its not like I live in a mansion so could hardly justify it:hihi: Next time an opportunity comes up I will mention it. I was speaking to another mate as this guy lived with him for four years and he was exactly the same - that mate use to hide the toilet paper!! TBH I think he genuinely naive and a mummy's boy who expects everything to be done for him. I know many years ago he lived with a girl who literally wiped his backside and did EVERYTHING for him. No wonder she dumped him! When he came to look around (BTW he asked to move in because other mate was kicking him out so he could move his mrs in) I made it clear Im not here to mother him. Obviously not clear enough! What I didnt mention in the original post his girlfriend stops here more and more regular. We need to discuss that too:roll: Anyway, thanks for the feedback, greatly appreciated:thumbsup: Rob
  2. Hi, Hope you can help with a conundrum! So, I have my own home and rent a room out to a mate, somebody I have known a long time and I'm not sure whether to challenge him on a couple of very MINOR things which I am well aware makes me sound a bit petty!!! If you are a lodger in somebodys home and you pay your money to rent a room every week is that justified for you to do literally nothing? When he uses the kitchen he cleans up after himself which I am obviously happy with but its the little things like I buy things like toilet paper, dishwasher tablets, foil and so on which he obviously uses but never replaces. If I dont buy then god knows how he wipes his backside:gag: He doesnt hoover or clean the shower. The cleanliness of the house is purely down to me. Like I said he cleans after himself in the kitchen and takes his pots away but thats it. Am I being unreasonable for expecting him to hoover once in a blue moon or to buy toilet paper and so on? I havent challenged him on this because I dont want to rock the boat and it is easy money for me!! I am just wanting feedback as to whether I am expecting too much!! Thanks for any feedback in advance:thumbsup:
  3. How long you been self employed for?
  4. Read the other posts. The point is however high your deposit and low loan to value if you cannot afford the mortgage you wont get one.
  5. Question, if you want a 10% loan to value mortgage but you cannot prove you can afford the loan, do you think you will receive it? Example, value of property 400k, want to borrow 40k but can only prove income of say being able to afford a 30k loan. Will you receive the mortgage or not? I think not. No matter what the loan or equity a reputable lender will not lend the money if the client cannot afford it. That is the point of MMR and why cash is not king. IT IS ALL ABOUT AFFORDABILITY AND WHETHER THE CLIENT CAN AFFORD NOT JUST TO GET THE MORTGAGE BUT KEEP THE MORTGAGE!!!!! Extreme example but you get what I am saying. ---------- Post added 06-06-2014 at 21:39 ---------- Congratulations. Its all about proving you can afford it and keeping it.
  6. As another poster says try the Halifax. They use affordability so how much they will lend depends on financial dependence and your age. I'm guessing you do have children which will hammer how much they will lend. As the other poster said, try their affordability calculator. ---------- Post added 05-06-2014 at 22:09 ---------- Cash is certainly not king and the days of having a high deposit to guarantee a mortgage are over. Its all about proving you can afford the mortgage. ---------- Post added 05-06-2014 at 22:15 ---------- Those were the days for a broker, sell the mortgage and to hell with the consequences. You are unlucky to be stuck on a lenders variable interest rate although I obviously have no idea what you are paying. However, you say you cannot show you earn enough to afford a mortgage. Is that because you genuinely dont earn enough or because you tell the tax man what you want to tell him and do cash jobs off the books? Obviously I dont expect you to mention on here you hide earnings from the tax man but if you do, no sympathy!! Pay the tax your meant to. Lenders will lend to self employed what they declare. ---------- Post added 05-06-2014 at 22:17 ---------- Does the non advice apply to all lenders post MMR? ALL Halifax advisors advice on the clients mortgage and I was under the impression ALL lenders now had to give advice either direct or through a broker but I dont know if its Halifax interpretation of MMR or not. ---------- Post added 05-06-2014 at 22:22 ---------- If, for example, someone applies to the Halifax for a mortgage and they tell the advisor their income accurately. Again example Mr Jones says he earns 20k and and his wage slip proves he earns 20k then he will get the mortgage offer as soon as the payslip is verified and the valuation is done. What a lot of potential mortgage customer find difficult is knowing how much they earn and relaying that to the lender accurately. The mortgage offer is only slow if customers are not proactive and try to hide the truth.
  7. They did. Apparently the driver for some reason thought the lights changed to green from furnival street. Missed traffic heading to the wicker but hit traffic on the other side. Healthwise he got away with it. Very lucky person.
  8. I dont know Santanders lending policy but is your husbands self employment losing money? Or do you have debts that will be outstanding after you move? Affordability must be quite low not to be able afford 50/60k Mortgages are more difficult since MMR
  9. could it be they are not paying you because you did not work your notice, whatever the confidential reason is?
  10. As mentioned you can collect them easily enough and if you use your card regularly enough they soon add up. I did have 20k+ plus points which equates to £130 which took me about 18 months to build up which I didnt think was too bad for a single bloke buying for one. Like I said I did have these points. I've just had about a months free shopping from Sainsburys:D
  11. I think the £10 includes a voucher of £5 to spend on attractions
  12. I dont really like Christmas, its a waste of a day. However, this year I'll be spending a few days at Christmas in Sydney and then three weeks touring New Zealand:D So this year yes, I am REALLY looking forward to Christmas!!!
  13. Where is the job? From Buxton then Bakewell is about 10 miles away. Matlock about 17. For £800 there are a couple of places in Bakewell however its does not have a great night life, should that be important. Matlock is better, just! Thats why I asked what your friends are looking for? Just somewhere close to work or something with facilities and night life?
  14. Well what are you looking for?
  15. I'm not from Buxton but about 12 miles away. I'm sorry but I agree with the first poster. In places like Buxton, Dove Holes or Chapel they are that high up you'll get a couple of days of sun a year and snow in Summer. Depends what you are wanting though but there are better places in Derbyshire than Buxton!
  16. True, I discovered that but then realised I'm ugly...
  17. Been on POF and match many moons ago. I cant make my mind up about them as it is cringe to me but then again, I'm not getting younger and not the type to 'pull' in bars. Guess I'll stay on my own:rolleyes: As for a recommendation; Probably POF as you dont have to pay anything although there are plenty of less desirables on there.
  18. Have I missed something? The agreement ended in May but there is still £2,000 outstanding which is due to arrears and charges? Where have the arrears come from? I'm assuming they came from you as you missed payments three years ago before you had this very dodgy agreement with your friend? If so then I'm on your friends side! He has paid your finance payments due until May but has not paid your debts that you missed before he took on the agreement with you. Why should he? Like I said, have I missed something?
  19. Thanks for the heads up. I just caught the replay before they cut to adverts with rolling announcement he survived but why was it on the news?!?! Bit bizarre
  20. Get networking. Let everyone (within reason) you know your unemployed. I have been laid off twice. Once in 2008 and then 2009 and both times unemployed for three weeks. Cousin got me a job first time and a mate the second time. Admittedly I did get lucky as they were in the right place at the right time and I am willing to do ANYTHING (legal) to bring money in. I am NOT classing you in this catchment but it kind of makes you laugh though about a lot of people in this country who moan about being unemployed. Although we dont need staff now but the amount of people my firm have sacked over the last 12 months because they are basically useless or bone idle or cant be bothered to turn up or all three. I despair at this country at times. Thank god for the few Poles we do have working where I do:roll:
  21. We have a shut down in Summer as well as Easter. Complete waste of time. What makes it worse is that fitters are off as well. Well use to be until I questioned one of the directors in our weekly meeting what business sense is there to have fitters off when the factory is shut down:hihi:
  22. Hi, I have just received my first ever contractual parking charge notice from a company called G24 Ltd. I am usually a law abiding citizen and usually always obey the parking contracts enforced on me. However, after receiving my first one and reading a few threads on here I'm left wondering if I should bother paying it? Situation was I entered the Meadowhall Retail Park car park the other Saturday. The reason was because I was spending time at Centertainment but due to the fact there was no parking spaces I was forced to use the car park next door. I will admit know on entering the car park there is a 3 hour limit on the car park and I wasnt actually using the facilities of the retail park but centertainment. The letter showed pictures of me entering and leaving the car park and spending 196 minutes there rather than the 180 allowed. However the pictures although show my car clearly do NOT show me clearly as the driver. Is it worth me paying as I am clearly in the wrong and the £25 fee for quick payment isnt the difference between me eating and not. Or should I be a cheeky so and so, which admittedly I am, by ignoring them or telling them my sister was driving? After all, she is on my insurance as a names driver. Anyone else had dealings with them? Do they eventually give up like some other companies appear to do? Thanks in advance:thumbsup:
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