Tommy G

I think if we had kasabian, hand crafted pies and a micro brewery people would still moan. Saying that, won't get any of my money! But its a step in the right direction that can hopefully be finessed after some constructive feedback.

This about as much of a ''must win'' as you can get

We had the building cert yesterday from the builder, signed off by building control on 16TH DECEMBER - absolute plonkers, on the cert it states final inspection and sign off was 31st October so I've asked their solicitor to date it then, which is the proper date. This cert is our hail mary, if the lenders don't accept it I'll need to appeal the valuation EDIT: thanks for asking, could do without this stress around Christmas! If this goes tits up it will be the second property that has fallen through

Same - just horrible

Read the case thoroughly and I don't understand how anyone could oppose it. Sickening.

https://news.sky.com/story/sara-sharif-father-urfan-sharif-and-stepmother-beinash-batool-jailed-for-life-for-10-year-olds-murder-13274829 Both should of got the death penalty. A truly upsetting case.

This is Unisex but I personally think smells more for men. https://www.tomfordbeauty.co.uk/product/costa-azzurra-eau-de-parfum

I hope he wasn't making a prfit, and I hope you told him so! Greedy bas5ard

Local elections in May being scrapped? Thought I’d rub my eyes and check what I’m reading but nope I read it right.

This was the worst performance all season against Newcastle, by some margin.

Goldmsiths Jewellers HQ is in Leicester, now Watches of Switzerland.

Jason’s sourdough which is actually Gearys bakery. https://www.jasonssourdough.co.uk/pages/about?_gl=1*48xteb*_up*MQ..*_ga*MTY1MzQwMTI3Ni4xNzM0MzQxMDE1*_ga_ZYPL726TQ7*MTczNDM0MTAxNS4xLjAuMTczNDM0MTAxNS4wLjAuMA..

Some fart that would be

Real men eat mince pies and sprouts

The mini ones are the best IMO

Will still use it, find it a really good and easy platform

Trouble is I've got a large chunk of the mortgage on a 2.05% fixed rate with 3 years left to run, I don't really want to chop that in for a 5% ++ mortgage, or I would!

But it’s the lender that has instructed the valuation - which is normal, so presume I could ask them to reconsider or do another valuation? At my cost as you said

Yes it’s a flip..

It was done 6 months ago

Who won’t have them? The guy is a builder. in this case then, will he not be able to sell the property unless it’s to a cash buyer? If so, he’s screwed!

Buying a property that has been turned from a grotty bungalow into a large detached dwelling. Valuation this week, the valuer said he is classifying it as a new build?? Not sure why. He said it requires a PCC and a DIF form, something the vendor needs to sort - and if one of these isn’t produced they can’t lend against it? Anyone comes across either. Extract from the building society email: We have received information from the valuers advising that the property has been extended extensively and does not have the required DIF form or PCC (professional consultant’s certificate). This would therefore be outside of our lending policy. We have not yet received the full valuation so will leave the application open at this stage however based on valuers comments the property will not meet our lending policy and will be unsuitable security and the application will therefore be declined. Once the valuation report has been received we will provide confirmation. If the applicants do have the required documents then please provide these and we will forward on to our valuers to review. However please be advised we would be unable to accept any retrospective warranties and therefore if do not have the required documents currently then we will be unable to proceed.

I wish I could schedule getting up early but my son decides when we get up. On a good day it’s 6:30, but often itcan be 3 or 4 am in the morning. So a cpl of days a week I’m up at that time, sometimes at 6. Usually asleep for 11, so my bodyclock is constantly all over the place - not healthy.

Well…….i did mean you can fill your boots with other stuff! Costco is a nightmare for impulse buys

Hmm not sure, membership is peanuts compared to overall annual savings though