hk blues Posted May 24, 2019 Share Posted May 24, 2019 3 hours ago, Honest_Man#1 said: I’m struggling to fathom why any sane person would ever pay for mortgage advisor rather than using a free broker unless there’s something I’m missing. I suppose some might think if they are paying for advice it's more likely to be impartial as the provider doesn't need to think about recommending something that will give them commission 1 Quote Link to comment Share on other sites More sharing options...
Shandon Par Posted May 24, 2019 Share Posted May 24, 2019 4 hours ago, Honest_Man#1 said: I’m struggling to fathom why any sane person would ever pay for mortgage advisor rather than using a free broker unless there’s something I’m missing. 1 hour ago, hk blues said: I suppose some might think if they are paying for advice it's more likely to be impartial as the provider doesn't need to think about recommending something that will give them commission The consumer probably ends up paying the same anyway. Eg pay the advisor and get a fractionally better deal. Pay "nothing" to one of these brokers and the mortgage company charges a fraction more and kicks it back to the broker. 0 Quote Link to comment Share on other sites More sharing options...
hk blues Posted May 24, 2019 Share Posted May 24, 2019 23 minutes ago, Shandon Par said: The consumer probably ends up paying the same anyway. Eg pay the advisor and get a fractionally better deal. Pay "nothing" to one of these brokers and the mortgage company charges a fraction more and kicks it back to the broker. No doubt - but the consumer probably isn't aware of that and feels more confident they aren't getting ripped off when paying for advice 0 Quote Link to comment Share on other sites More sharing options...
alta-pete Posted May 24, 2019 Share Posted May 24, 2019 Why not just go seek out 3 or 4 lenders’ products direct and avoid any commission? 0 Quote Link to comment Share on other sites More sharing options...
hk blues Posted May 24, 2019 Share Posted May 24, 2019 46 minutes ago, alta-pete said: Why not just go seek out 3 or 4 lenders’ products direct and avoid any commission? You might pick the wrong 3 or 4 lender's though 0 Quote Link to comment Share on other sites More sharing options...
Melanius Mullarkey Posted May 25, 2019 Share Posted May 25, 2019 What the f**k is this growing on my grass? 0 Quote Link to comment Share on other sites More sharing options...
GordonD Posted May 25, 2019 Share Posted May 25, 2019 4 minutes ago, Melanius Mullarkey said: What the f**k is this growing on my grass? 0 Quote Link to comment Share on other sites More sharing options...
Melanius Mullarkey Posted May 25, 2019 Share Posted May 25, 2019 Been nice knowing you all. Goodbye. 0 Quote Link to comment Share on other sites More sharing options...
MuckleMoo Posted May 25, 2019 Share Posted May 25, 2019 What the f**k is this growing on my grass? https://www.ispotnature.org/communities/uk-and-ireland/view/observation/296255/-dog-vomit-slime-mould-mucilago-crustacea- 0 Quote Link to comment Share on other sites More sharing options...
pandarilla Posted May 25, 2019 Share Posted May 25, 2019 Is there no build up to the Scottish cup final? Bbc1 coverage starts at 3... 0 Quote Link to comment Share on other sites More sharing options...
Zen Archer (Raconteur) Posted May 25, 2019 Share Posted May 25, 2019 24 minutes ago, pandarilla said: Is there no build up to the Scottish cup final? Bbc1 coverage starts at 3... It starts at 2pm on BBC 1 Scotland. 0 Quote Link to comment Share on other sites More sharing options...
Zen Archer (Raconteur) Posted May 25, 2019 Share Posted May 25, 2019 0 Quote Link to comment Share on other sites More sharing options...
Sergeant Wilson Posted May 25, 2019 Share Posted May 25, 2019 53 minutes ago, Melanius Mullarkey said: Been nice knowing you all. Goodbye. It's a mushroom, eat it. Your message still stands though. 1 Quote Link to comment Share on other sites More sharing options...
Melanius Mullarkey Posted May 25, 2019 Share Posted May 25, 2019 52 minutes ago, MuckleMoo said: https://www.ispotnature.org/communities/uk-and-ireland/view/observation/296255/-dog-vomit-slime-mould-mucilago-crustacea- Dog Vomit Slime Mould. Mmmmmmm. 0 Quote Link to comment Share on other sites More sharing options...
welshbairn Posted May 25, 2019 Share Posted May 25, 2019 29 minutes ago, Zen Archer said: Great, Bargain Hunts on. 0 Quote Link to comment Share on other sites More sharing options...
pandarilla Posted May 25, 2019 Share Posted May 25, 2019 Cheers. Virgin media says it starts at 3. 0 Quote Link to comment Share on other sites More sharing options...
Daydream Posted May 25, 2019 Share Posted May 25, 2019 Home report definitely had a section that said the heating/plumbing system was in working condition, although I cant remember the wording of it off hand. Within hours of getting the keys it had started switching itself off. The plumber said straight away it wasnt repairable, he told us it was too old and the parts required simply weren't available for it anymore, he was talking about the whole system being over 30 years old. We knew we'd need it either way so went for the cheaper option, we also incurred further costs as the pipes were seemingly too small a diameter (they were genuinely tiny things), but were aware we couldn't claim for that. The solicitor is self employed and works on his own. We contacted him within days and he said he'd put a claim straight in, we didn't hear anything and then he started claiming he'd have to try and get money off the estate as the seller had now died, this was around 6 months later. During those 6 months my partner repeatedly tried to contact him and just got ignored, as our house was getting ripped apart to put in a new heating system. Since then we've been totally unable to get in contact with him. We've given him written, through email, warning that if he doesnt reply we'll be going to another solicitor. That was 2 weeks ago without reply. We've phoned him 3 times a week, his receptionist says he isnt in but he'll phone right back, but theres never ever response. Ask to make an appointment and she claims it would have to be 2 months in advance, its then cancelled a few days before and pushed back another 2 months. I have a feeling the advice I'll get is it's been left to late, but either way I need to find out how to finish the whole situation as it's been hanging over us for years now, my partner flat out refuses to be involved due to the stress and anxiety the whole situation put on her. We have emails that confirm us telling him about the fault and him confirming he put in a claim, within days of the house purchase. It took us two days after we discovered the problem to actually get a response.Surveyors don’t test heating in Home Reports. They’re valuers not gas engineers. Read the small print. You’ve a week to get the heating checked when you move in. A fault found and the seller pays for the works. If the boiler is clearly old it should’ve been a repair Cat 2 in the report. You may have a complaint in that regard. 0 Quote Link to comment Share on other sites More sharing options...
RandomGuy. Posted May 26, 2019 Share Posted May 26, 2019 8 hours ago, Daydream said: Surveyors don’t test heating in Home Reports. They’re valuers not gas engineers. Read the small print. You’ve a week to get the heating checked when you move in. A fault found and the seller pays for the works. If the boiler is clearly old it should’ve been a repair Cat 2 in the report. You may have a complaint in that regard. Yeah we got the heating checked, due to the breakdown, within days of moving in. Got a phone meeting with a solicitor on Wednesday, getting a hold of any of them is a nightmare. 0 Quote Link to comment Share on other sites More sharing options...
Gaz FFC Posted May 26, 2019 Share Posted May 26, 2019 When are the Scottish fixtures out? 0 Quote Link to comment Share on other sites More sharing options...
Zen Archer (Raconteur) Posted May 26, 2019 Share Posted May 26, 2019 6 minutes ago, Gaz FFC said: When are the Scottish fixtures out? Quote JUNE 2019 21 Fixtures published for 2019/20 https://spfl.co.uk/pages/key-dates 1 Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.