Owning your own home

I'll dig out the details of the adhesive, and the sanding and sealing chap and will fire them over GH.

In other news, behold!

thanks boss.

I used this:

And then got this chap to sand and seal it - but he'd likely stick down any of your blocks that have come loose as part of the deal:

that's quite a bsnscrd.

what was the damage if you don't mind me asking?

mrs heck wants to goth them up. i kinda like the blonde look.

It'll depend on your square footage*, I'd fire him an email with some measurements and ask.

We have two types of parquet (I used a load from a flat upstairs) and it turns out they were different types of wood, the chap stained them so they look to be one type of wood, which was handy.

*fnar

I went through this last year. I ended up paying about a grand for a decent door through valuedoors, but there were cheaper.

Whether or not your freeholder can force it through the service charge or just ask you to do it depends on the wording of your lease. For us, doors were the responsibility of the leaseholder, so it was on us to replace them at our cost. However the managing agent didn't understand the regs so he sent out generic comms saying everyone needed to upgrade to FD60 - so many people rebelled because they read up on the regs and this was just not correct.

Depending on the age and type of property, this or this will be the fire reg document but FD30 seems fairly standard.

Thanks that's really useful.

Due to complete tomorrow. Solicitor sent bank details today. Tried to transfer MMMYYYY cash, bank only letting me do 20k max. Went in to bank to do it. Same deal. Wouldn't do it without my passport.

• I don't have my passport it's in another part of the country and I can't get there.

• Well, we can't do anything. We need photo ID.

• I've got my bank card. My PIN. Various utility bills. Council tax. Letters from solicitors. A mortgage offer.

• Driving licence?

• No. I don't drive.

• Tut tut.

• (on phone to solicitor) My solicitor will send a certified copy of my passport.

• How?

• Erm. Fax. Email?

• No. I need to see it. In my hand.

• But.

• NAHHH. Not having it. We're the fucking bank. We're not doing that. Besides we close in 20minutes.

Rant over/. Completion delayed.

BACS payment any different?

Pick up certified copy from solicitor, take to bank? And what bank closes at 2pm?

Due to complete tomorrow. Solicitor sent bank details today

Mine did this to me. Why he left it till the day before to provide the details, giving me a few hours to instantly shift so much money. I was very stressed by that point and shouted at him.

BACS payment any different?

No idea. They didn't offer it up, so I guess not. Though they seemed amazingly unsure about their job.

Pick up certified copy from solicitor, take to bank? And what bank closes at 2pm?

I'm in Teesside. Solicitor in Manchester. Can't get there. 2pm must be due to village life (Stokesley??) or the snow.

I've accepted it now. And will wallow in my anger.

Pick up certified copy from solicitor, take to bank? And what bank closes at 2pm?

It's not the bank's rules specifically, it's the UK Anti Money Laundering Regulations.

Transfers over a certain amount need original photo ID to be shown, copies (even certified by a solicitor) are not allowed.

If the bank let you do it without being shown original photo ID they can get screwed over.

Yep. Their fault too. Basically everyone's fault except mine. Anger anger frustration misery.

Don't come here with your logic and sense!

Can't get there. 2pm must be due to village life (Stokesley??) or the snow.

I know Stokesley and it's pretty much a typical small Yorkshire town/hamlet.

Things 'appen when they 'appen lad.

Exactly that.

Are you moving there? Got a good few friends in Stokesley / Hutton Rudby / Sexhow.

Nice place, some good pubs but a 4x4 is a thing to own in the winter.

Nah, I'm from Teesside. Family live nearby Stokesely. I'm stopping here whilst completing on a place back in Manchester.

It's a great area for riding though, loads of countryside, Cleveland hills. Do miss that.

Does it make sense to pay £1000 for a mortgage product which saves just over £1,400 over 5 years?

I guess discounting the £1,400 back to present value would suggest not. But it still saves actual cash over the term.

What is the alternative, a fee free one fixed at a slightly larger rate?

Pay £1000 to save £1400 or to save a net £400?
Over 5 years it's only £6.67 a month cheaper.
Swings and roundabouts really.
I had a similar situation, decided to get the free one as it wasn't worth the saving (personal opinion)

I guess discounting the £1,400 back to present value would suggest not.

What discount rate are you using?