Kiltox Posted February 19, 2018 Share Posted February 19, 2018 Banks are a massive pain in the arse. Looking into the feasibility of a mortgage so applied for an agreement in principle from one of the biggest mortgage providers that may be part of the same group I’m currently on contract to Thought it weird when it didn’t ask for figures for income and then, obviously, declined based upon affordability Rang them and got “oh, if you’re a self employed consultant you need to have been doing it for more than 12 months”..... why doesn’t the tool say that and stop me from submitting it???? Going to see if I can find the development team and moan at them today Link to comment Share on other sites More sharing options...
BorniteIdentity Posted February 19, 2018 Share Posted February 19, 2018 Banks are a massive pain in the arse. Looking into the feasibility of a mortgage so applied for an agreement in principle from one of the biggest mortgage providers that may be part of the same group I’m currently on contract to Thought it weird when it didn’t ask for figures for income and then, obviously, declined based upon affordability Rang them and got “oh, if you’re a self employed consultant you need to have been doing it for more than 12 months”..... why doesn’t the tool say that and stop me from submitting it???? Going to see if I can find the development team and moan at them today They won't give a flying shit - and nothing will change. Search out a guy called 'Sarnie' on Pistonheads. He's an independent mortgage broker - and very, very good at it. You will find lots of praise for him on PH - as he's helped many 'powerfully built directors' turn their SA302s into Mortgage offers. I'd also get a second opinion from London and Country. I know I'm teaching you to suck eggs, but don't be tempted to f**k about with other avenues. You'll get no preferential treatment from existing lenders, so get back to the whole of the market. Good luck! DeeJay and Kiltox 2 Link to comment Share on other sites More sharing options...
Kiltox Posted February 19, 2018 Share Posted February 19, 2018 I’ve been given the name of a contractor specialist broker from a mate, going to give them a call today. According to the speil on their website I should be able to borrow £fucking ridiculous so the £still quite daft I want might be achievable BorniteIdentity 1 Link to comment Share on other sites More sharing options...
angle Posted February 19, 2018 Share Posted February 19, 2018 I must be having a mid life crisis. I fancy something spicier ,faster and comfier than my jap bus. Want a petrol one.but really need 7 seats and the choice is so miserable. But I know if I get a Volvo t5 estate then I will need the seven seats. Can't really do a second car cos insurance want my soul or a kidney for cover. I shall go back to daydreaming. Moan over.S-Max with the T5 engine? http://www.autotrader.co.uk/classified/advert/201710310824122?atmobcid=soc3 Captain Furious, chaseracer, taxi paul and 1 other 4 Link to comment Share on other sites More sharing options...
wuvvum Posted February 19, 2018 Share Posted February 19, 2018 If you're going to get a Galaxy, get the 1.9TDi one. Those engines (possibly VAG units) are fantastic and do stupidly high miles no bother.Praising a Ford with a VW engine? Who are you and what have you done with Billy? Stanky, eddyramrod, alf892 and 4 others 7 Link to comment Share on other sites More sharing options...
loserone Posted February 19, 2018 Share Posted February 19, 2018 S-Max with the T5 engine? http://www.autotrader.co.uk/classified/advert/201710310824122?atmobcid=soc3I bet they're pretty good to drive! Link to comment Share on other sites More sharing options...
Kiltox Posted February 19, 2018 Share Posted February 19, 2018 Diesel SMax is nicer to drive than it has any right to be so I agree! loserone 1 Link to comment Share on other sites More sharing options...
loserone Posted February 19, 2018 Share Posted February 19, 2018 That was exactly my thought process! Kiltox 1 Link to comment Share on other sites More sharing options...
STUNO Posted February 19, 2018 Share Posted February 19, 2018 Bugger, you would think that if there is only 1 car parked in the street that a ute driver going backwards down the street would be able to miss it (" I'm sorry, I didn't see it"). not the end of the world, at worst a replacement bumper. crash1 002.JPG Loving the insurance here. I have not yet done anything about this, but got a call this evening from the other party's ins co. They have accepted his part and liability has been settled. Gave me the claim no. And the direct ph no.for the lady who called me who is handling it. Just give them to my co. And all is done. Whatever happens next is not my problem, at worst if they write off I receive the agreed valuation and no excess is charged. I can't see that happening though. Link to comment Share on other sites More sharing options...
purplebargeken Posted February 19, 2018 Share Posted February 19, 2018 Cars can go and fuck off. oldcars, alcyonecorporation and Craig the Princess 3 Link to comment Share on other sites More sharing options...
sierraman Posted February 19, 2018 Share Posted February 19, 2018 Banks are a massive pain in the arse. Looking into the feasibility of a mortgage so applied for an agreement in principle from one of the biggest mortgage providers that may be part of the same group I’m currently on contract to Thought it weird when it didn’t ask for figures for income and then, obviously, declined based upon affordability Rang them and got “oh, if you’re a self employed consultant you need to have been doing it for more than 12 months”..... why doesn’t the tool say that and stop me from submitting it???? Going to see if I can find the development team and moan at them today You cannot do an agreement in principle without knowing the income, debts and outgoings of someone. Link to comment Share on other sites More sharing options...
Kiltox Posted February 19, 2018 Share Posted February 19, 2018 You cannot do an agreement in principle without knowing the income, debts and outgoings of someone.Yeah no shit - if they’re not willing to accept less than a year’s worth of proof of income they shouldn’t accept the application at all and it should show some kind of data validation error, not just blindly submit with effectively 0 income. Spoke to a broker earlier, same lender WILL consider contractors with less than 12 months under their belt as long as the application is submitted the right way. Looking far more hopeful. Link to comment Share on other sites More sharing options...
Hendry Posted February 19, 2018 Share Posted February 19, 2018 Just so so so fuming today because I havent seen my baby daughter for over 2 weeks. Skinned my knuckles punching a wardrobe door that hard in sheer frustration too! Fuck life, it can just fucking fuck right off, its a cunt! Link to comment Share on other sites More sharing options...
Slartibartfast Posted February 19, 2018 Share Posted February 19, 2018 Just so so so fuming today because I havent seen my baby daughter for over 2 weeks. Skinned my knuckles punching a wardrobe door that hard in sheer frustration too! Fuck life, it can just fucking fuck right off, its a cunt! I'm sorry to hear that, chap Link to comment Share on other sites More sharing options...
Crispian_J_Hotson Posted February 19, 2018 Share Posted February 19, 2018 Don't punch inanimate objects man. Done that to an old bridge in Birmingham once about 25 years ago and my golf ball knuckle has reminded me of it ever since... every winter... without fail. Not only that but the bird it was over at the time has turned into a fat old munter, totally loaded but totally not aesthetically pleasing. Hope life works out fella, you're not alone. Link to comment Share on other sites More sharing options...
Tadhg Tiogar Posted February 19, 2018 Share Posted February 19, 2018 ....the bird it was over at the time has turned into a fat old munter, totally loaded but totally not aesthetically pleasing. .... Bit like a 6-Series, really, come to think of it. DeeJay 1 Link to comment Share on other sites More sharing options...
Crispian_J_Hotson Posted February 19, 2018 Share Posted February 19, 2018 A bit... yes. Got to admit that the last few months I've considered outing it more times than I have ever done before but then I've been here before with other shite as well, and got over it. It's reassuring to read that others can't be arsed at the moment because *weather. Every time it rains there is more water in the thing than before and it's just sat on it's arse doing nothing. Well fuck that, tonight I'm going to do something constructive to it. That's right folks, on a school day I am going to pay some attention to a car I don't need.. Need to buy black paint on the way home... don't know if I can be arsed to stop at a shop...(more dots....) Link to comment Share on other sites More sharing options...
Tickman Posted February 19, 2018 Share Posted February 19, 2018 The randomisation software in between the sales section and warehouse picking section of online suppliers. WTAF?I know we joke about it a lot to the point its becoming a meme here - I just cant understand how it goes so wrong. orders 2 oil filters for the pickupTime passespostie arrives.Uh, thats hella big box for two oil filters....IMG_20180215_114752.jpg Thats because it contains one oil filter and one window regulator for a Passat.IMG_20180215_162638.jpg I just cant even right now I had this about 15 years ago where I ordered a load of stuff from Screwfix, there should have been two large sink strainer waste but one was missing, in its place was a £35 workshop hoover! I said nothing and it is still in use Link to comment Share on other sites More sharing options...
dean36014 Posted February 19, 2018 Share Posted February 19, 2018 Woke up Saturday morning with worse back pain than normal. Ive rested all weekend and today and its only got worse. Work in a hour and I can hardly work, going to be fun. Link to comment Share on other sites More sharing options...
barefoot Posted February 19, 2018 Share Posted February 19, 2018 Some of you may know I'm after 944 bits at the mo.Phoned Porsche Centre, Nottingham where I came across a complete dickhead salesman who couldn't be bothered to put me through to parts and who kept claiming he didn't know what a schematic diagram was.I phoned back a couple of minutes later, made a point of criticising the treatment I'd just had from Darrell and was put through immediately.Give Darrell a ring, ask him something tricky... Link to comment Share on other sites More sharing options...
fordperv Posted February 19, 2018 Share Posted February 19, 2018 Some of you may know I'm after 944 bits at the mo.Phoned Porsche Centre, Nottingham where I came across a complete dickhead salesman who couldn't be bothered to put me through to parts and who kept claiming he didn't know what a schematic diagram was.I phoned back a couple of minutes later, made a point of criticising the treatment I'd just had from Darrell and was put through immediately.Give Darrell a ring, ask him something tricky...Sounds like a grade a ballbag barefoot 1 Link to comment Share on other sites More sharing options...
vulgalour Posted February 19, 2018 Share Posted February 19, 2018 Just a short grump this one. The Princess. Link to comment Share on other sites More sharing options...
dave21478 Posted February 19, 2018 Share Posted February 19, 2018 Aye, cheers. Yeah, no seriously, thanks m8. Dont worry about confessing or leaving your details or anything. CUNT. stephen01, johngarty and STUNO 3 Link to comment Share on other sites More sharing options...
myglaren Posted February 19, 2018 Share Posted February 19, 2018 A grump because this should just never happen, but didn't she do well!12 year old girl attacked for phone loserone 1 Link to comment Share on other sites More sharing options...
tooSavvy Posted February 19, 2018 Share Posted February 19, 2018 NT council have informed me that my 'free' <Oi, fuck off m8 I live here> resident parking sticker is now being streamlined to ANPR based scanners, in the hands of the ParkingPlodz. Ah Haaa... BUT... I must pay £50 a year - to park [hopefully] outside my own house F...FFF...SSSS WW will be slapped at his local, too! TS Link to comment Share on other sites More sharing options...
BorniteIdentity Posted February 19, 2018 Share Posted February 19, 2018 People starting new threads - STILL - rather than using the existing ‘catch all’ options. I’m not grumpy because it’s cluttering up the board, just that every time it happens my ‘last viewed page’ is reset and I end up either on pg1 or something that was posted last year. Consequently, I feel confused like someone with early onset dementia, or disappointed because an item someone is selling was actually sold a lifetime ago. Trivial I know. But a shame there’s no fix for this. bigfella2 1 Link to comment Share on other sites More sharing options...
The Moog Posted February 19, 2018 Share Posted February 19, 2018 People starting new threads - STILL - rather than using the existing ‘catch all’ options. I’m not grumpy because it’s cluttering up the board, just that every time it happens my ‘last viewed page’ is reset and I end up either on pg1 or something that was posted last year. Consequently, I feel confused like someone with early onset dementia, or disappointed because an item someone is selling was actually sold a lifetime ago. Trivial I know. But a shame there’s no fix for this.Pm sent BorniteIdentity 1 Link to comment Share on other sites More sharing options...
bramz7 Posted February 19, 2018 Share Posted February 19, 2018 Saw something cheap and perfect for daily use to relieve the rusty rover, messaged the seller literally right after they listed asking to view and buy/deposit for Sunday. No reply for 4 hours until I get a oh sorry someone's viewing tomorrow but I'll let you know. Aghhhhhhhhhhhhh!!! On the flipside the 205 seems to have sold to a genuine buyer on eBay. purplebargeken 1 Link to comment Share on other sites More sharing options...
wuvvum Posted February 19, 2018 Share Posted February 19, 2018 A grump because this should just never happen, but didn't she do well!12 year old girl attacked for phoneHe's not going to do too well in the nick if he gets caught, once his fellow lags find out he almost got his arse handed to him by a 12 year old girl. stephen01, 95 quid Peugeot and purplebargeken 3 Link to comment Share on other sites More sharing options...
PhilA Posted February 20, 2018 Share Posted February 20, 2018 Kidney stone. That is all. Urgh. Phil Link to comment Share on other sites More sharing options...
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