Owning your own home

Hs2. Commute. Work from home.

He'll be retired by the time it's built.

http://pengetouristboard.co.uk

#fucksydenham

This and this again.

I'm fakin. Live in Beckenham..... /

Just happen to drink in the Goldsmiths a lot...

Paid the last of my lease extension bill today. Painful but glad it's done.

Glazer Delmar, while great from a legal perspective, have fucking shocking IT. The emails they send are through a "legal IT specialist" platform and are in no way authenticated. It's so bad that when they copied in mrs_com, her Gmail account didn't even let the message near her spam folder, straight rejection, into the fucking sea. It was only because I contacted them first that I managed to receive their replies. Albeit with a big red flag all over them.

No fucking wonder conveyancing fraud is so easy. When reputable solicitors (who you shouldn't individually expect to be IT savvy) use supposedly proficient SaaS providers that offer no protection whatsoever to the people they are dealing with.

A fraudster would have been able to send a better authenticated email to me stating that the bank details had changed and the lay-person would have been none the wiser.

Did they care when I pointed this out to them? Did they fuck.

They'll care after they lose £100k, or they can't get insurance after losing £100k of a clients cash, but not before.

That's the thing, the neighbour of a friend of mrs_com was a victim recently of exactly the method I described (£30k although nothing to do with Glazer Delmar) and neither the bank that hosted the bad actors' account nor the solicitor could give a fuck. I only know as she got wind of what my job is and contacted me.

Until they can be shown to be negligent through not preventing it, the consumer gets fucked.

I've explained this before I think. No service charges, negligible ground rent, weirdo upstairs owner who rents out, only two flats, no service charges, disparate lease lengths = much easier to just extend by 90 years. Was less than £6.5k all in.

That's the thing, the neighbour of a friend of mrs_com was a victim recently of exactly the method I described (£30k although nothing to do with Glazer Delmar) and neither the bank that hosted the bad actors' account nor the solicitor could give a fuck. I only know as she got wind of what my job is and contacted me.

Until they can be shown to be negligent through not preventing it, the consumer gets fucked.

It's an interesting philosophical question - at what point does it become negligence to not deploy a means of stopping your clients from being defrauded?

It's one of the main reasons banks will implement DMARC. In the cases of fraud via email where people believed the email was from the bank, the yardstick that determined whether the bank was responsible and should compensate was "what would the average person be reasonably expected to believe?". If it was a good phish, the bank had to pay out. I don't believe solicitors have as strict a responsibility. Although I do believe they still have to protect their clients so it is only a matter of time before DMARC becomes a requirement.

Interesting that Gmail dropped the mail, didn't even bulk it - if that behaviour was common to the MAGY then change might happen faster.

Plus 0.5 of BT.

I didn't realise Malcolm on the group was the same as the guy from H&H. And I'd not be harsh on them. I do think they're very often wrong though, and it's better to have a polite dialogue about that than silently fuming in the background - especially when they're representing us as the 'residents association'.

I reckon it's more common than most small volume senders (eg conveyancing solicitors) realise. No feedback loop and they're not exactly scrabbling around for business so if an email is not delivered, they'd likely not know or care.

The BT thing probably masks the issue. Non DMARC users probably even benefit from the open relay nature of that set up.

For the non-email nerds; be wary of emails sent to you by solicitors.

Grot mags

Interesting chat re emails. I don't remember a problem when I used them 18 months ago, although I'm not convinced I would notice - even with a background in IT. Maybe they have only recently started using the SaaS in question.

Interesting chat re emails.

Said no one ever.

I suspect it depends on your perspective- the loss of 80M consumers records and the recently announced $115M fine both stem from Anthem ignoring the exact same problem that the solicitor has.

My money is on someone within Anthem finding this interesting, for now at least.

https://www.google.co.uk/amp/mobile.reuters.com/article/amp/idUSKBN19E2ML

I was joking.

yes, for the flexibility. lot of fixed term limit the overpay to 10% of the amount owed each year, check you're not running into that and adjust the years accordingly.

Email is srs bsns

There is an appeal in setting the period to ten years and just paying the £1,200, having that cost gone would be nice. That said I probably spend more at Pret each month than the current mortgage costs me, so it's not a huge thing I suppose.

You'll set it at 10 years but will get a new mortgage in 2 years. Apart from the psychological side of felling better or nudging yourself to pay more it kind of doesn't matter about the term, as long as you can afford the min repayment over the 2 years and the max possible payment is not less that what you aim to pay. then get a new deal.

Obviously I'll have to check the small print of T&Cs, but in general, with a buy-to-let mortgage, is there any problem with renting to a non-marital partner? Questions the broker was asking seemed to say you couldn't rent to a family member, but what about girlfriend, for example.