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Thread: Finances

  1. #501
    Administrator Kikó's Avatar
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    I'm not sure if Wirecard does UK accounts but they're in a bad place at the moment. €2bn blackhole in their accounts.

  2. #502
    Senior Member niko_cee's Avatar
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    I had never heard of wirecard really before a few weeks ago. Then I saw them mentioned in the daily investment update some bank sends me (leading a rise in the DAX that day) and then next day I see their former CEO or somesuch is a wanted man with massive sums missing in the accounts, and now they've fully gone down the pan and all sorts are in police custody by the sounds of things. A curious few weeks.

    Bit like when I belatedly found out that first self-made female billionaire with the blood testing company (thera-something?)was actually a massive scammer years after the fact.

  3. #503
    Administrator Kikó's Avatar
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    That's an excellent book which everyone should read. Theranos I think they're called. Complete bullshiters bullshiter.

  4. #504
    The Artist Formerly Known as Taz
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    Would have PM'd Lukey boy but others may know.

    I remortgaged on April 2019 to a 2 year fixed product and still have an additional H2B loan on it also.

    I'm looking to remortgage and repay that H2B loan so that I have full ownership. This will involve an early repayment charge. My product states this early repayment charge to be:

    2% of the amount repaid on or before 30/04/2020
    1% of the amount repaid on or before 30/04/2021

    I'n confused about the 'amount repaid', should it not simply be 1% of my mortgage balance?

  5. #505
    Administrator SvN's Avatar
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    It's the difference between the current balance and what you borrowed.

  6. #506
    Senior Member Spikey M's Avatar
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    Yeah, if I'm reading it right it's 2% of whatever you've paid up to 30/04/2020 and (or?) 1% of what you would have paid up 30/04/2021.

  7. #507
    The Artist Formerly Known as Taz
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    That was my reading but it seems too small an amount. Last July my early repayment charge was stated on my statement and it was around 2% of the entire balance which is approximately 100% of the "amount repaid" as we interpret it.

  8. #508
    Senior Member Andy's Avatar
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    Why not wait till April and do it without a charge? Looking to lock in the low rates?

  9. #509
    The Artist Formerly Known as Taz
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    No, I just might be forced to take the hit in order to buy out the H2B loan so that I can buy a gaff for mumzy if she can't wait till then.

  10. #510
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    Quote Originally Posted by Don View Post
    Would have PM'd Lukey boy but others may know.

    I remortgaged on April 2019 to a 2 year fixed product and still have an additional H2B loan on it also.

    I'm looking to remortgage and repay that H2B loan so that I have full ownership. This will involve an early repayment charge. My product states this early repayment charge to be:

    2% of the amount repaid on or before 30/04/2020
    1% of the amount repaid on or before 30/04/2021

    I'n confused about the 'amount repaid', should it not simply be 1% of my mortgage balance?
    It should be 1% of your current mortgage balance. But, dependent on who you are with you could top your borrowing up with them and potentially avoid the payment of it.

  11. #511
    The Artist Formerly Known as Taz
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    Ah interesting. That was all on the basis I wasn't allowed to purchase a second property (be it residential or B2L) whilst havings a H2B loan but turns out that doesn't seem accurate and that an outstanding H2B loan doesn't affect later purchases. Do you know whether this is true or not as the two advisors I spoke to werent sure themselves.

    B2L doesn't seem to have much affordability requirements beside the 25% deposit so it's looking like I'll go down that path.

  12. #512
    Senior Member Boydy's Avatar
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  13. #513
    Senior Member Spikey M's Avatar
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    What is it about Oxbridge that makes the privileged amongst us so against others bettering themselves?

  14. #514
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    I think and I'm not 100% sure is that you can buy a second property as long as you are funding it yourself. You can't buy a second home when using help to buy but if you have help to buy in place and buy a new extra property you can do this. You also can't take any extra borrowing on the property which has Help to Buy on it unless you are buying out the HTB loan.

  15. #515
    Senior Member Boydy's Avatar
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    Quote Originally Posted by Spikey M View Post
    What is it about Oxbridge that makes the privileged amongst us so against others bettering themselves?
    Can't tell if you're serious or trying to wind me up.

  16. #516
    Senior Member Spikey M's Avatar
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    Can't speak the language of the common man anymore either.

  17. #517
    Won the Old Board Lewis's Avatar
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    Trying to keep the little brown upstart in his place.

  18. #518
    The Artist Formerly Known as Taz
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    My gym wants to charge me Ł10 a month to freeze my membership or 1 month's fee to cancel. Admittedly contract period says 1 month notice but given office was shut for 4 months, seems a bit ridic.

    What will be the consequences if I cancel the DD? I assume there will be some otherwise whats to stop everyone breaching their contract left, right and centre?

  19. #519
    Administrator Kikó's Avatar
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    Good way to get a ccj.

  20. #520
    ram it up your shitpipe Giggles's Avatar
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    Do you have a small claims court over there?

  21. #521
    The Artist Formerly Known as Taz
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    Aha, that's what I wanted to hear. Fuck doin that then.

    Have requested a cancellation by email, will have to kick up a fuss if they charge me the Ł50 but don't particularly want to get aggy as I hope to rejoin in winter and don't want them to jizz in the shower gel dispenser.

  22. #522
    Senior Member Manc's Avatar
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    Ł50 a month for a gym membership is laughable.

  23. #523
    ram it up your shitpipe Giggles's Avatar
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    Definitely would be digging the heels in on that one out of principle.

  24. #524
    The Artist Formerly Known as Taz
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    Quote Originally Posted by Manc View Post
    Ł50 a month for a gym membership is laughable.
    Bannatynes with the steam/sauna business that is an essential to me (and why I'm cancelling as they remain shut). David Lloyds is like Ł120ish and I was thinking of switching pre-lockdown, it's value if you go daily.

    Those London ones which double-up as paedo party nights for the lizards is the one thing I reckon I would really enjoy about being a millionaire. Ł500 a month to not have to breathe the air of obese creatures and every gash being an elite Russian escort or a milf who's aim is to be one. What a life

  25. #525
    Senior Member Spikey M's Avatar
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    Quote Originally Posted by Don View Post
    Aha, that's what I wanted to hear. Fuck doin that then.

    Have requested a cancellation by email, will have to kick up a fuss if they charge me the Ł50 but don't particularly want to get aggy as I hope to rejoin in winter and don't want them to jizz in the shower gel dispenser.
    Lay on the tiny violins and tell them you're self employed and have no work. Would be looking to rejoin in a few months but if they fuck you over now you'll go elsewhere.

  26. #526
    Won the Old Board Lewis's Avatar
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    I joined a cheap local gym the day before Boris Johnson closed them and I just cancelled it before they took any money out. It was shit as well, as if I needed any more reasons not to take my free Navy gym for granted.

  27. #527
    The Artist Formerly Known as Taz
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    I need to send $3k USD to a Swedish account. Would like to do this without converting to GBP first and for the cheapest cost. Talk to me.

  28. #528
    Senior Member Pepe's Avatar
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    Have Mahow drive the money directly to the recipient.

  29. #529
    Administrator Kikó's Avatar
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    Quote Originally Posted by Don View Post
    I need to send $3k USD to a Swedish account. Would like to do this without converting to GBP first and for the cheapest cost. Talk to me.
    Where's the 3k? Can't you use Wise?

  30. #530
    Senior Member Spikey M's Avatar
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    Quote Originally Posted by Don View Post
    I need to send $3k USD to a Swedish account. Would like to do this without converting to GBP first and for the cheapest cost. Talk to me.
    Some form of Crypto probably

  31. #531
    I used to be funny.
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    This sounds highly suspicious.

  32. #532
    Senior Member Manc's Avatar
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    The authentic sauna experience.

  33. #533
    Senior Member Boydy's Avatar
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    @Mi5

  34. #534
    The Artist Formerly Known as Taz
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    Quote Originally Posted by Kikó View Post
    Where's the 3k? Can't you use Wise?
    Cash. I've heard Wise be touted but yet to look into it. Can it deal with cash?

  35. #535
    Administrator Kikó's Avatar
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    It doesn't accept cash so nope. You'll need to find a way to put it into a USD account then you're good.

  36. #536
    Senior Member Pepe's Avatar
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    I got a USD account, if you need help.

  37. #537
    Senior Member Spikey M's Avatar
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    This is so dodgy

  38. #538
    I used to be funny.
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    Sketchier than Rolf's Cartoon Club. Yeah, that reference will work.

  39. #539
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    I’ll accept whatever Swedish currency you want to send.

    Will deliver it in person via the van.

  40. #540
    heavy like led Dark Soldier's Avatar
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    I think 3k gets you a kidney on the Swedish Market.

    Big moves, Taz.

  41. #541
    Senior Member 7om's Avatar
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    Can’t you just wire it? I move money from my US account to the UK and the online banking asks me what currency I want to send it in.

  42. #542
    I used to be funny.
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    "Hi, can you make this payable to Al Quaeda."

  43. #543
    Senior Member Spikey M's Avatar
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  44. #544
    Administrator Kikó's Avatar
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    Quote Originally Posted by 7om View Post
    Can’t you just wire it? I move money from my US account to the UK and the online banking asks me what currency I want to send it in.
    He needs to put in a bank account rather than a suitcase first.

  45. #545
    The Artist Formerly Known as Taz
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    Cheers Kiko for your attempts. The rest of you...banter levels need improving.

  46. #546
    I used to be funny.
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    "In the dock today the defendant dismissed the funding of a terrorism camp and sauna in Shoreditch as 'just banter'"

  47. #547
    Man(c) of the People igor_balis's Avatar
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    This reminds me of the absolute nightmare me and our Czech friend had trying to set up pokerstars with his dirty forrin bank account .
    Is pingit still a thing?

  48. #548
    Administrator Kikó's Avatar
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    Luna is flying today. 🤤

  49. #549
    Administrator Kikó's Avatar
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    Why are you money laundering or committing tax fraud?

  50. #550
    Senior Member Boydy's Avatar
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    What dodgy shit are you up to?

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