Chat about Novel Coronavirus - 2019-nCoV - COVID-19

pissed off.

Still top punning though

It's not that bad yet.

I had a uti many years ago so stand my for et finger with a light on the end to be passed placed inserted shoved into your bladder for an internal examination . Covid ant nothing after that !

Sounds like you were put in a shitty situation. Even if the work was vital, they should have planned work around being as safe as is practical.

Just a reminder if people want to volunteer time coordinated by the Red Cross:

https://tinyurl.com/y7apbcsz

@worncleat hang in there mister, we have plenty of cycling planned

My point really was that by the nature of the work we can’t make it safe within the guidelines set out.

Will applying for mortgage holiday affect credit rating or future mortgage applications?

Oh hai me too! It’s nasty isn’t it :(

Had ABs last month, thought it was gone but it’s come back bigger and nastier.

Got an ultrasound tomorrow to check the tender area and occasional stabbing pain in my side isn’t something horrendous. :(

Are you on MacroBID? They messed up my digestion something awful. Just started them again so doing what I can to avoid with pre-biotic foods.

UTI in the time of Coronavirus.

Apparently mortgage holiday wont show on credit checks. I applied yesterday.

This is where I'd be naming and shaming the shit out of them (while sharpening the screwdrivers for their tyres).

I guess if you want something done, get the army in.

Military coup? ;)

Not sure if it's been shared, but NHS volunteer form: https://www.goodsamapp.org/NHS

It shouldn’t do, various lenders have offered guidance, some have specifically stated that it won’t, also won’t delay product transfers and so on (I’m a mortgage adviser)

It will show up, but not as a missed payment or arrears.
Historically, if you took a payment holiday, it could be a sign that something was amiss with your affordability, and could affect your mortgage acceptance.

Make sure you don’t cancel the direct debit though, let the lender postpone the payments, as if they were still expecting April payment to go out with 3 month payment thereafter, then the April payment would have been missed and this will affect your credit.

Anybody else remember the carnage of Thatcher's BSE crisis,
followed by Blair's problem with Foot & Mouth?
https://www.youtube.com/watch?v=LznDRUOhT6k

Historically, if you took a payment holiday, it could be a sign that something was amiss with your affordability, and could affect your mortgage acceptance.

Our two-year fixed runs out at the end of June I think. L&C (our broker for first-time buyer fun back in 2018) has been in touch to get a new deal. We're self-employed and affordability was a big struggle last time as turnover was good but most things were allowable expenses so our profit appeared minimal. Getting corona'd in a big way at the moment work-wise so looking at a holiday. If we take them up on the current offer, are the lender obliged to overlook it?

On the other hand, when they do their affordability checks if they deem we can't afford to continue (even though we could, even, at a pinch, with coronafun) what is the actual outcome? Do they just up the interest rate so high that you have no choice but to default?

http://chng.it/BNvfghVj5N

I feel idiotic and naive but I felt like starting a petition to get the Government to sign up to the EU joint Procurement of protective kit and ventilators. I think it needs a couple of signature to be made public.
Thanks!

Airbnb bubble burst at last? Don't want to sound like a dick but kind of glad, been pushing property and rental prices around here for the last 2 years up way way higher than they should be (probably the same a lot of places?). We have been on it since 2013/14, have a spare room, occasionally put it up when it suits us and generally choose people that sound interesting, rather than what most seem to do now, lease a regular flat, then sub divide it, fill it full, and get a company to mind it for you.
Number of flats that have been dumped onto the regular rental market or listed for sale is staggering, rare to see more than 1 on our quadrant up for sale or rent at any time, there must be 20 with signs up today.

Yor mortgage deal will likely turn into a standard tracker at the end of the period (your paperwork would be able to confirm this), if you do nothing.

If you remortgage with the same provider, it's likely they will not make any checks, and you can take advantage of lower rates (your broker should confirm)

If you shop around, any new provider will likely do the full suite of checks.

Hancock said this evening that it is the responsibility of employers (to maintain 2m etc).

Taking the spirit of the advice - you did the right thing.

I’ve been talking with a care providing charity (I won’t name). They’re contracted to care for vulnerable children. I wanted to know see how they’re managing food supplies. Carers usually shop for, and cook for the kids, in the kid’s homes.

Middle management have reduced risk of transmission by offloading their site visits to the carers so they can go home.
The suggested protection for the carers (some attending to kids with Covid-19 symptoms) is advice to ‘wipe handles and wash your hands’. There is no direction, or sign of effort-made to stop those carers going home or on to other kids the next shift carrying the disease.

Unsurprisingly they’re losing staff already and people are really pissed off. Management’s response has been to talk-down the pandemic in verbose emails quoting ‘only’ 5k cases nationwide and the figure was ‘likely to be higher than the true number due to the lack of testing’.

They have verbally said that staff won’t have anything higher than statutory sick pay if off ill or isolating (contradicting contracts and the latest government promises) and that carers should consider the risk to the children of suicide and be quiet.

A toxic mix of incompetence, negligence and cynicism.

Small silver linings.

Depending on your self employment, currently we’d be working off your April 2018-2019 so if these are healthy then you may be able to secure a deal with a different lender.

Worst case you should be able to stay with your current provider and get an existing customer deal, what rate it will be and which one you should choose depends on the lender you are with.
Also typically you can start securing these 3 months in advance so for you it’s would be 1st April?

Some lenders have announced that payment holidays won’t affect product transfers and remortgages, but not all have come out with guidelines yet.

I’m a mortgage broker so if you (or anyone else) want advice or help on the matter, PM me, happy to help.

https://www.nature.com/articles/d41586-0­19-00210-0

Thanks that was interesting.
(17h is a long time on the forum)