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dazraz_uk

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Posts posted by dazraz_uk

  1. Favourite film as a kid was Little Monsters! If you aint seen it get it watched........although I havent seen it for many many years so may not be that good! lol

    Other than that I could watch 21 Grams, Four Rooms, Enemy at the Gate, Fear and Loathing in Las Vegas to name but a few

  2. PARTYTOWNNNNN lol some sarcastic f**cker must have thought of that. small world init lol an yeah there replacing all the pipes down the road, perfect excuse to go to the butty van tho.

    haha Partytown is my xbox live tag, you from there as well? Yeh thought that, they aint in any hurry to get it all done tho by the looks of it! lol

  3. Usually your bank balance will have an actual balance and then an available balance.

    I'd pay attention more to the available balance than actual balance as this usually takes into consideration any overdraft facility as well as pending payments which are yet to come out (however not all banks show remove pending payments from the available balance so be careful).

    If you can afford it then go for it, however I'd be 100% sure you can afford it before ordering as going over your overdraft limit can be costly!

  4. Another thing you have to remember is that the 0% period is likely to be 9 months or so and at the rate of £40 a month paying your overdraft off you'd be 6 months short. You'd then have to go through the balance transfer scenario again and incur a transfer fee again, but doing this time after time could also harm your credit rating.

    Best bet would be to call your bank each month and get them to reduce your overdraft limit by £40/50 or whatever you think you can afford, it'll be paid off in no time!

    Worse thing I ever did was get a credit card or loan, seem to have been paying them off forever, as you get into the habit of using money that isn't yours and promise yourself you'll pay it back when realistically you wont

  5. 1) I would have thought 1k wouldn't be enough

    and

    2) In the current market, why the pressure to move quickly? Why not wait for the results of the survey before proceeding?

    and

    3) Aesbestos isn't a problem unless you disturb it.

    and

    4) Cavity wall tie failure is pretty serious. If you're using a retention for anything it should be that. Get an endoscopic survey done of all the walls at several points if you think this is a genuine concern.

    I think you may have miss read my post, the survey states £1k retention and it relates to the Timber and DPC nothing else, the surveyor mentioned that property of this age may have cavity wall tie failure not that it actually has it!

    Not sure what you mean by using my retention for that purpose, do I get a say in what a retention is used for??

    I'm not in any rush to move, of course I'm going to wait until I find out the results of the survey........you wouldn't buy a boat with holes in so why would I buy a house thats not structurally sound???

  6. The asbestos risk should be in the HIP in the form of a survey. Cavity ties failing are not unusual for homes of a certain age (certainly where they aren't stainless steel), but probably 60s beyond. The timber and damp survey should be done, but again I'm surprised there's nothing in the HIP about timber and DPC works if done.

    I wouldn't worry about it. See if the selling agent will sort the missing surveys out (ie pay for your assesments), in this apparently doom laden market, they should be able to keep the sale for the sake of a few hundred quid.

    Cheers for all the advice people, basically the estate agent has agreed pretty much as above and is getting the vendor to get updated surveys etc and to pay for any work that needs doing i.e. a cash advance to be made on completion so we can get any work required carried out!

    The searches in the HIP are due to expire so good job they're going to pay for them or else it woudl have been another £250 on top of costs already paid for

  7. I'm in the process of buying my first house and have had the survey and valuation back...........

    It reccomends a retention of £1k on the mortgage subject to a timber and damp survey being carried out!! Is this likely to be the surveyor being overly cautious or a genuine issue?

    They also say that due to the age of the property it may suffer from cavity wall tie failure and may contain asbestos material, although neither of these relate to the mortgage retention.

    Anyone clued up on this sort of thing?

    I know it gives me some leverage to negotiate on the price, so if I get the price reduced are the mortgage company still going to enforce the retention??

    Any advise would be appreciated!

    Cheers

  8. Same things happened to mine. As far as I know its either the motor or the regulator and its common fault........someone correct me if I'm wrong!!

    Also does anyone know the part numbers for these, or alternatively what other models the parts can be sourced from? Only this may be helpful to others with this problem ;)

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