We've used it twice but if there was a delay each it wasn't really noticeable. Day or two if anything
We've used it twice but if there was a delay each it wasn't really noticeable. Day or two if anything
A few days I think.
Has anyone ever ordered from here before? It sounds a bit too convenient not to be a massive let down.
We just placed an order with Blinds 2 Go without doing much research.
HSBC are a merry band of cunts.
Just received a letter saying "alright mate, just so you know we're shoving you on the variable rate paying £1200 a month from the 16th of this month lol. Appreciate that's double your current mortgage like. Soz."
But we fixed for 2 years 3 months ago at £900 a month. Just called them and apparently everything is fine and I should just ignore the letter. They're not giving me much confidence here.
My experience with these things is that automated letters get fired off based on databases and often bear no relation to what is actually/legally the case. I almost just ignore the post these days.
Automatic emails. Banks are fucking useless for stuff like this. Part A of the system never speaks to Part B.Originally Posted by Spikey M
This reminds me, my mortgage was supposed to go up a bit this month (about £80) as I was into the new fixed period I'd agreed a few months back. But when I checked my current account the other day slightly less had come out than usual (about £20 less). I've just logged into my online mortgage account and it says my monthly payment is that lower amount. What's going on there then?
Just checked the original letter about the new fixed term and it says the payments on it were based on my balance in late February hen I applied for it and assuming the new interest rate started in March. Have I just paid enough down in the meantime until June that it's significantly lower?
Upon further investigation the new rate actually started in April. I don't know what the fuck's going on.
Should probably ring them up but slightly worried they'll go "yeah we messed up and you owe us more money".
Whose your lender if it’s someone like Halifax you often get variations if you sign up for a new deal early as they don’t work out the figures in the right way.
Barclays.
Just got a letter this morning. Seems I will be paying the higher amount I thought from the start of July. I guess the slightly reduced amount I've been paying since April was due to the overpayment I made to get down past one of the LTV thresholds?
Ya boy is now a property letter. I got such a good deal that I'm going to spend the 2 weeks until I move in trying to work out what the catch is.
2 Bed Flat+Living Room+Kitchen: 650 a month.
The white will show up so bad on those worktops.
Clean for 19 months and 2 days (14th Nov 2021 was my last) and visit Narcotics Anonymous meetings any time I feel like I might break it. Meanwhile, you're scared of pasta and wear 4 masks at a time any time you leave the house. Suck a dick.
So you've a littly hissy about how long ago one thing is and then rattle off a couple of exaggerated blinders from God knows when. Good lad, if I could give you a pat on the head for being a spastic I would.
Giggles you had a go at me. I had a go back at you. Whats the difference?
"Afraid of pasta"? Come on now you clampit.
That flat looks decent. The kitchen looks alright besides the flooring looking real loose.
Well done Phonics.
Painting the kitchen tonight, it’s almost finished!
Does it have a garden?
I'm a twit
Nah I don’t want one.
Better take that sign down then.
I'm a twit
The shower appeared to have leaked like fuck two days in a row so I used some unibond renew sealant to try a quick fix, it didn't go on as advertised and was generally a fucking nightmare trying to apply and clean up. Since then there has been steadily less leakage down to nothing, which confused me until the wife admitted she'd been 'spraying the shower at the ceiling because there was a fly.'
Tip for sealant: apply two strips of masking tape, with a gap in between as wide as you want the sealant to be (few mm). Then go nuts with sealant and then run your finger over it when done. Remove tape. Look like a pro.
After 5 months of clueless solicitors pissing around, the dirty Ukrainian cunts are looking to renegotiate given the market conditions and revise down the 207 to 200. I'm going to surrender so at least they get a taste of victory before their motherland crumbles in the face of Vladimir's might as I really don't fancy re-listing for what I suspect will be a likely similar offer (and a ceiling of 205ish) nor renting out with the new mortgage rates meaning I lose about £200 a month. Just need this shit taken off me.
My purchase has been delayed for the past two weeks because the seller's solicitor got my name wrong on the original document and couldn't fathom what we meant when we said the name was wrong.
These cunts.
I've began my search and it looks like anything local has been snapped up by buy-to-let cunts. I have a viewing tomorrow for an auction property which... errr... that part I'm not keen on.
I thought auctions were cash buyers only usually?
The information pack has a mortgage as a means to purchase it. I'm just viewing the place and walking away because the information pack I've been sent implies the winning bidder is on the hook for £10k worth of fees. Assuming it goes at guide price. That plus whatever deposit I put down would wipe me out.
Steer clear it’s not worth the aggro.
Aye, I'll view the place but I'm not bidding. Talking with a mortgage adviser tomorrow morning which would at least give me a better idea of what my budget is.
Still waiting to exchange contracts on mine, been a right ball ache. Mortgage companies can't pull the offer in the face of more BoE interest rate rises, can they?
Sounds like a fairly shitty thing to do so...
They can it would be unlikely that they will. I should caveat that with I have never had it happen to me.
But ‘specialist’ lenders were doing it back in October.
Last edited by Luke Emia; 21-06-2023 at 06:44 PM.
Yeah take that step first and see where you are at. Don’t get mugged off though if they are charging a fee and it’s anything more than 4/500 quid they are taking the piss.
Well, he reckons I can go wider than my initial budget. The mortgage in principle cert has been done. If I get him to apply for it, he's looking for £500.
After widening my search to the next town over, a ton of them are online auctions.
£500 on application? What am I missing? Mine is £299 on completion...
I'm assuming there's other stuff tied with it because he was talking about solicitors fees for the same thing being £1500. He could be taking the piss, to be honest.
EDIT: That house was lovely.
Last edited by Shindig; 22-06-2023 at 01:52 PM.
Naturally, the auctioneer rang this morning to negotiate. She reckons they'd accept a lower offer to off-set the auction fees.
HOWEVER
Yours truly didn't read the auction pack so good with his eyes the first time around. If my bid was accepted I would require on completion of the auction:
- The auction fee + 4.2% + VAT
- 10% of the purchase price as a deposit
- A Solicitor to handle all this
And that's before I've even done any of the mortgage shit. Realistically, that's another 10% from an already smaller mortgage but still, I'd have nowt left after that process.
Is that one in an estate agents. Just Google mortgage adviser in my area and find one with decent reviews on there you should get someone cheaper than that.Well, he reckons I can go wider than my initial budget. The mortgage in principle cert has been done. If I get him to apply for it, he's looking for £500.
After widening my search to the next town over, a ton of them are online auctions.
About 1500 quid on solicitors fees is about right I would say.I'm assuming there's other stuff tied with it because he was talking about solicitors fees for the same thing being £1500. He could be taking the piss, to be honest.
EDIT: That house was lovely.
It's even better when you need 2.
On the house buying front I've just discovered the property log chrome extension, which gives you historic price listing information on rightmove.
As in to see if the current sellers listed it at different prices previously? Is that info not openly available otherwise? All I know about is the 'reduced' flag and not even sure if that's an opt-in thing or not.
Yeah.
Not sure it's openly available otherwise, you can only usually see the 'reduced on' info I think. I think there are ways to game it, maybe if the listing is removed and then put back on after a time or with another agent, but it is a good little tool.
For example, I can see that this place was listed at £1.75m on 22/9/22 and has been on a steady downward trend since to its current £1.1m listing [1.75m > 1.5m > 1.3m > 1.1m]. Perhaps the sellers are in a bit of distress with these interest rate rises?
The state of that fake grass though.
Yeah, I think right move just surfaces sale prices on their website. I've been using it to size up areas.
The auctioneer has gone quiet on me which probably suggests the sellers of that place I viewed absolute did not want to take a bid below guide price. Can't really blame them.
That's gotta be a British footballer's gaff.
I keep an eye on 2 separate rightmove alerts (MK and London). Beside getting spammed daily, it's a good way to monitor the market and let me tell you, the panic is rife
The panic hasn't got up here yet then. I've just loaded that extension and the reductions on 4-5 bed detached round where I'm buying is just the usual £5k or £10k when the seller realises they went with a giddy estate agent.
Reply With Quote
