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I have a few queries on this if anyone could offer any advice please. 1) In relation to Brendan's point 2. Above, could a mortgage be taken out by one couple, the title deeds changed into the name of the second couple with the mortgage paid by the second couple in full who will live in the...

Used them for a Villa in Portugal this year (August). You don't really have any dealings with ownersdirect as such as you only deal with the owner once you make the initial enquiry. Everything went perfectly for us. If you are looking at car rental I can highly recommend luzcar. A portuguese...

I wonder whether sky will try to get existing customers who are out of contract to sign up to new 12 month contract to avail of discounted sky Tel/BB. Looking forward to getting a call - Currently with Vodafone for Tel/BB and can't wait to get better value.

Vodafone at home are at this also. I'm just about to come out of a 12 month contract with them and got a phonecall the other week which opened with "just ringing you as you're nearing the end of your contract and we want to see what we can offer you" The upshot was that they could not offer...

Land Survey crews from the better known companies would charge in the region of €600-800/Day for 2 man crew and Total Station / GPS equipment. So that would suggest around 5 days on-site and a day's processing in the office. Doesn't sound that bad but i'd get another quote or two. It does...

I wondered that myself. I would just apply rather than draw attention to the LTV. I'd be supprised if they checked. Surely there would be a valuation required to assess the LTV accurately anyway. Another way round getting a break from the mortgage is to apply for their 'skip months' option...

I'm guessing the excavation would need to be approx 1m deep. Don't forget that ground conditions are a big facter here. If the sub-soils are in anyway granular then the excvation will collapse in on itself and would need to be retained/propped. Even relatively shallow excavations like this can...

The T&Cs for the payment holiday state that the LTV of the mortgage must be below 90%

Incidently, I have a CC with MBNA (UK) and they were absolutely no problem to deal with. Got into some financial hardship with a balance of £9,200 - One phone call and a disussion on my income expenditure and they froze the interest and agreed a payment plan to clear the debt over 60 months. I...

Exactly. This is why it will only help a minority of those in NE. Those who bought either just into the boom or those near the end of the decline. e.g. You bought a property in 2010 for 200k - Now worth 150K - You can buy another house for 200K and carry the 50K NE. Where as if you bought...

No, The amount of NE you can carry is based on 25% the purchase price of the new house (according to the Independent Article this morning). This makes sense as the security is based on the new property not the old one.

If the banks will only allow you to transfer the equvilant of 25% of the new property price in negitive equity and you are 200k in negative equity then I assume the property you would need to be buying would be in the region of 800k (ignoring deposits etc). To purchase a property for 100k, you...

If every member of the management company were to witholold fees, where do people expect the funds to come from in order to carry out the works, prior to the same people deciding they are satisfied works have been carried out and decide to start paying again. It's a vicious circle. Why should...

"It will probarbly be better to go to court as you can then draw a line in the sand over the issue." "I was going to explain how to keep the court costs to a minium and in the course of doing so get the management agent to reconsider court in the first place." Which is it?

Why would you give people pointers to avoid paying management fees?? So that the rest of the owners in the development can support them??

We have tried every avenue with limited success in the collection of outstanding fees. I once suggested debt collection agencies to our agent who said, understandably, he wanted nothing to do with the idea. Since then, the directors of another MC which he acts for have used a company called...

Just plane the bottom of the door or remove the underlay in that section. It's not the fitters fault but he should have mentioned it if he knew.

Or perhaps it's a joke?? :rolleyes:

It must have been her day to sit in the van because on Saturday she was collecting the money and he was relaxing in the Van.