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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri May 01, 2020 9:07 
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Unpossible!

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Mr Russell wrote:
Thank you for the link

You're very welcome. Enjoy your rabbit hole!


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri May 01, 2020 9:18 
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DavPaz wrote:
markg wrote:
Ha ha, yeah I've watched a couple of those. And a bloke just down the road from here who cleans absolutely filthy cars, he get millions of hits. I also watched a guy renovating an old vice.

Not the Car Wash Guru? The Scouse fella?

No, I've seen him but he mostly cleans fancy cars that are already clean but makes them spotless. Autoshine:



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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri May 01, 2020 9:37 
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Prince of Fops

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So here's the thing. I cleaned my car at the weekend, and no matter how hard I try, tons of little bits of dust and crumbs just stay stuck in the upholstery, after I brush and hoover. That chap there seems to run his hoover over it and all the stuff just happily shoots up his pipe.

What does he know that I don't (aside from how to clean cars)?


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri May 01, 2020 9:40 
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You could all learn something from these fellas



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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri May 01, 2020 10:44 
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Paws for thought

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Findus Fop wrote:
So here's the thing. I cleaned my car at the weekend, and no matter how hard I try, tons of little bits of dust and crumbs just stay stuck in the upholstery, after I brush and hoover. That chap there seems to run his hoover over it and all the stuff just happily shoots up his pipe.

What does he know that I don't (aside from how to clean cars)?

What equipment to use and how to maintain it.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri May 01, 2020 16:43 
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Lord Humongous

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The Nay thread has been great recently, ta.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Mon May 25, 2020 8:38 
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We've been getting rid of our fish to other ponds ready to fill the pond in. We've got up this morning and they have all gone, looks like a Heron has had them. Not what we had in mind for them. :(

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 04, 2020 22:20 
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Fitness Nut...

Joined: 25th Sep, 2008
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Location: shropshire, uk
A funny thing happened on the way to Tesco. A young lad did not like his side of the road.

I am fine.. car not so much


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 04, 2020 22:33 
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chewbacca -future arc welder

Joined: 25th Oct, 2011
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Oooooh on double whites too, he's going to be in trouble. Glad you're ok!


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 04, 2020 22:39 
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Joined: 12th Apr, 2008
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Oooof!
Good to hear you're not too damaged.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 04, 2020 22:42 
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ugvm'er at heart...

Joined: 4th Mar, 2010
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Wow, looks nasty, glad you are ok.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 04, 2020 22:46 
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Fitness Nut...

Joined: 25th Sep, 2008
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Location: shropshire, uk
He lost it on the bend, slightly slippy road, and inexperience.

Air bags taste funny

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Kovacs: From 'unresponsive' to 'kebab' in 3.5 seconds


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 04, 2020 22:49 
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Unpossible!

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Good surviving Bud!


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 04, 2020 22:56 
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Jeez, Kov. That looks nasty. Take care and get some cool bags on your face if you’ve had the airbag go off.

Glad you’re ok. The car is just a car, but you are one of a kind (really).

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 04, 2020 23:09 
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Lord Humongous

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Bloody hell! Glad you’re ok, Kov.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 04, 2020 23:20 
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Wow... Glad you're ok Kov! Take it easy for a few days!


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 04, 2020 23:26 
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Fitness Nut...

Joined: 25th Sep, 2008
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That will smart tomorrow

I am ok. Just a bit sore and peeved about car hunting.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 04, 2020 23:37 
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Excellent Member

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Ooof! Sorry to hear that Kov, glad you're okay though. Thank God for crumple zones, airbags and the other miracles of car-safety technology.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 04, 2020 23:46 
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Soopah red DS

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Fark! Glad you're okay.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 04, 2020 23:48 
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Est. 1978

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Is the other dude okay?

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 6:02 
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Fitness Nut...

Joined: 25th Sep, 2008
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Location: shropshire, uk
Grim... wrote:
Is the other dude okay?


Yes him and his passenger are ok. I made sure the paramedics checked them.

We are lucky and good engineering helped.

He has only passed his test and been driving a few months.

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Kovacs: From 'unresponsive' to 'kebab' in 3.5 seconds


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 6:57 
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Decapodian

Joined: 15th Oct, 2010
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Just as well that car showrooms are now open.

That held up pretty well for a head on crash. Glad you are mostly undamaged.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 7:23 
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KovacsC wrote:
Grim... wrote:
Is the other dude okay?


Yes him and his passenger are ok. I made sure the paramedics checked them.

We are lucky and good engineering helped.

He has only passed his test and been driving a few months.


Your understanding of the other driver being inexperienced and your lack of anger is really humbling, Kov.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 7:29 
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Mimi wrote:
KovacsC wrote:
Grim... wrote:
Is the other dude okay?


Yes him and his passenger are ok. I made sure the paramedics checked them.

We are lucky and good engineering helped.

He has only passed his test and been driving a few months.


Your understanding of the other driver being inexperienced and your lack of anger is really humbling, Kov.

Yeah, I had a similar crash when I was 17 just after passing my test and the guy I hit was similarly chilled about the whole thing. It always stayed with me. Well done for being that guy, Kov.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 8:14 
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Fitness Nut...

Joined: 25th Sep, 2008
Posts: 20381
Location: shropshire, uk
Well, it could have been worse.. Just a pain.

I was surprisingly calm, i don't think being angry would have helped.. his mum gave me a lift home

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 8:37 
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Excellent Member

Joined: 30th Apr, 2011
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that looks quite nasty, I'm glad you're ok
though I know ok will still hurt a lot in the coming days
hope things work out with the pain and the hassle and being without a car and needing to find a new one


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 9:01 
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ugvm'er at heart...

Joined: 4th Mar, 2010
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If it's anything like mine, the insurance claim for the car should be simple and easy to sort out, I was only without a car for about a couple of weeks.
The claim for injuries or to get your excess back, and to get it resolved as a non-fault will take forever. Mine is still ongoing and it's coming up to a year ago now.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 11:17 
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Fitness Nut...

Joined: 25th Sep, 2008
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Location: shropshire, uk
Oh bugger.

I better get car hunting again.

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Kovacs: From 'unresponsive' to 'kebab' in 3.5 seconds


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 11:18 
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sneering elitist

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Glad you're OK dude. Given the way some people drive round that corner it could have been so much worse. :luv:

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 12:47 
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Bad Girl

Joined: 20th Apr, 2008
Posts: 13776
I’m glad everyone is ok. Head-on collisions cause the most death and injuries so it’s remarkable everyone walked away intact, thank goodness.

Trooper wrote:
The claim for injuries or to get your excess back, and to get it resolved as a non-fault will take forever. Mine is still ongoing and it's coming up to a year ago now.


As the resident PI guy, this is misleading.

First, your insurers should be recovering your excess if liability is admitted.

Second, no fault RTA injury claims take weeks/months not years unless your injury hasn’t recovered or you have multiple injuries requiring experts of various specialities (or liability is denied of course). Your average whiplash claim should take no more than 3-4 months and often quicker because:-

(a) Under the MOJ Portal - liability must be accepted in 3 weeks;
(b) then you get a medical report from a GP (takes a few weeks depending on when you can get an exam); and,
(c) once the medical is agreed and disclosed the insurer has 3 weeks to respond to your evidence.

So unless there’s a dispute over who is to blame, which may involve the Courts to resolve, a typical claim doesn't take long at all.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 13:11 
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ugvm'er at heart...

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As a resident person going though this, still trying to get it resolved a year later, I'm just saying what I have experienced.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 13:15 
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Trooper wrote:
As a resident person going though this, still trying to get it resolved a year later, I'm just saying what I have experienced.

Should’ve gone with Sat when I suggested it. He’d have had it sorted by now

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 13:24 
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ugvm'er at heart...

Joined: 4th Mar, 2010
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Mr Chonks wrote:
Trooper wrote:
As a resident person going though this, still trying to get it resolved a year later, I'm just saying what I have experienced.

Should’ve gone with Sat when I suggested it. He’d have had it sorted by now


Of course, the world is that simple :)


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 14:05 
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Ready for action

Joined: 9th Mar, 2009
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Glad to hear you’re ok Kov and well done for not making it an even more painful experience for the other driver.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 14:48 
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Before you ask, just get another Octavia.

Glad you're ok. x

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 16:12 
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Fitness Nut...

Joined: 25th Sep, 2008
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Location: shropshire, uk
Mr Chonks wrote:
Before you ask, just get another Octavia.

Glad you're ok. x


Cheers dude.

Already looking at them. If I walked out of that. They are worth it.

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Kovacs: From 'unresponsive' to 'kebab' in 3.5 seconds


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 16:23 
Excellent Member

Joined: 20th Mar, 2010
Posts: 261
Blimey! Never been in this thread before! 8)

@KovacsC: Glad your bodily particles are still well integrated, matey!


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Fri Jun 05, 2020 16:50 
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Fitness Nut...

Joined: 25th Sep, 2008
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Thanks. :)

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 13:16 
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I've been trying to buy a flat for god knows how long, and everything that could go wrong so far has gone wrong. So post January this year as part of the Grenfell fire follow-up there's a new process for lenders to assess risk of issuing mortgages on flats. The valuer conducts a valuation. If the building is taller than 18m or the valuer notes that there are cladding materials that may possibly be combustible then the lender requires that the buyer provide an EWS1 form completed by a fire safety certified chartered surveyor to confirm that the cladding materials will not support combustion.

There are problems with this.

Firstly, the surveyor is not a fire safety certified chartered surveyor, therefore if there is cladding, the valuation will by necessity state that there are cladding materials that may possibly be combustible, triggering the EWS1 process even in low-rise buildings
Secondly, there are nowhere close to enough fire-safety certified surveyors to meet the demand for these forms
Thirdly, insurers are advising the certified surveyors not to fill out and sign the EWS1 forms due to liability risks

It's effectively impossible right now to buy or sell a flat with any cladding of any kind.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 13:28 
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Oof. Sorry to hear that. Luckily for me my flat has no cladding.

Sorry you missed out on it

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 13:33 
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Cras wrote:
I've been trying to buy a flat for god knows how long, and everything that could go wrong so far has gone wrong. So post January this year as part of the Grenfell fire follow-up there's a new process for lenders to assess risk of issuing mortgages on flats. The valuer conducts a valuation. If the building is taller than 18m or the valuer notes that there are cladding materials that may possibly be combustible then the lender requires that the buyer provide an EWS1 form completed by a fire safety certified chartered surveyor to confirm that the cladding materials will not support combustion.

There are problems with this.

Firstly, the surveyor is not a fire safety certified chartered surveyor, therefore if there is cladding, the valuation will by necessity state that there are cladding materials that may possibly be combustible, triggering the EWS1 process even in low-rise buildings
Secondly, there are nowhere close to enough fire-safety certified surveyors to meet the demand for these forms
Thirdly, insurers are advising the certified surveyors not to fill out and sign the EWS1 forms due to liability risks

It's effectively impossible right now to buy or sell a flat with any cladding of any kind.

:( Are most of the flats that you are looking at cladded? Is that the norm for blocks of flats? Ours are cladded, but I don’t think over 18m (three storeys, low ceilings, most be closer to 9m, I think?) Are there no lower-rise flats where you are looking, or are you looking specifically at high rises?

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 13:35 
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Can't re-member

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Problem is it’s triggering in low-rise buildings too.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 13:43 
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Oh man, that's an issue and a half!

You'd have thought it would be in the interests of the management company and/or building owners to get the building assessed so that when this comes up, there is a document or certificate that the valuer can just go look at. Would they not need something along those lines for their insurance, anyway? Surely if you don't prove your building can turn into a giant candle, your insurance would be astronomical so it'd be sensible to do, just to reduce that liability?

I know it probably doesn't help you. Is it a question that could be asked though? Just throwing ideas around, really.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 14:17 
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Board Mother

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Cras wrote:
I've been trying to buy a flat for god knows how long, and everything that could go wrong so far has gone wrong. So post January this year as part of the Grenfell fire follow-up there's a new process for lenders to assess risk of issuing mortgages on flats. The valuer conducts a valuation. If the building is taller than 18m or the valuer notes that there are cladding materials that may possibly be combustible then the lender requires that the buyer provide an EWS1 form completed by a fire safety certified chartered surveyor to confirm that the cladding materials will not support combustion.

There are problems with this.

Firstly, the surveyor is not a fire safety certified chartered surveyor, therefore if there is cladding, the valuation will by necessity state that there are cladding materials that may possibly be combustible, triggering the EWS1 process even in low-rise buildings
Secondly, there are nowhere close to enough fire-safety certified surveyors to meet the demand for these forms
Thirdly, insurers are advising the certified surveyors not to fill out and sign the EWS1 forms due to liability risks

It's effectively impossible right now to buy or sell a flat with any cladding of any kind.

Is this a particular flat, or just any that you have seen?

I understand this in principle, but as with many other things, in practice... :(

I'm sorry this is causing you issues though.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 14:29 
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Commander-in-Cheese

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flis wrote:
Oh man, that's an issue and a half!

You'd have thought it would be in the interests of the management company and/or building owners to get the building assessed so that when this comes up, there is a document or certificate that the valuer can just go look at. Would they not need something along those lines for their insurance, anyway? Surely if you don't prove your building can turn into a giant candle, your insurance would be astronomical so it'd be sensible to do, just to reduce that liability?

I know it probably doesn't help you. Is it a question that could be asked though? Just throwing ideas around, really.


There's no real motivation from the management company who are the leaseholder to get it done, unfortunately - they don't care if the individual units are bought or sold. I don't believe there's currently any insurance implications

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 14:35 
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Cras wrote:

There's no real motivation from the management company who are the leaseholder to get it done, unfortunately - they don't care if the individual units are bought or sold. I don't believe there's currently any insurance implications


Yeah, I guess if no-one can sell then they're still getting fees from someone, aren't they. How frustrating for everyone up and down the line.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 14:38 
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Can't re-member

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Cras wrote:
flis wrote:
Oh man, that's an issue and a half!

You'd have thought it would be in the interests of the management company and/or building owners to get the building assessed so that when this comes up, there is a document or certificate that the valuer can just go look at. Would they not need something along those lines for their insurance, anyway? Surely if you don't prove your building can turn into a giant candle, your insurance would be astronomical so it'd be sensible to do, just to reduce that liability?

I know it probably doesn't help you. Is it a question that could be asked though? Just throwing ideas around, really.


There's no real motivation from the management company who are the leaseholder to get it done, unfortunately - they don't care if the individual units are bought or sold. I don't believe there's currently any insurance implications

The management company usually own the freehold. When you buy the flat you tend to own the leasehold.

Yeah they have absolutely no interest in doing many things from my experience, and then charge you £350 for a “sellers pack” which basically includes a couple of documents.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 14:41 
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Yeah, and part of the problem is that the people qualified to fill out the survey are thin on the ground, so they're able to charge a fortunate to get it done even if you can find someone.

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 15:19 
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Excellent Painter

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No kids, you're not married (unless my invite got lost in the post) so you have no dependents. I'd buy a Dutch barge and convert it. They're surprising capacious inside and cool as fuck. Granted, they don't increase in price anywhere near as well as bricks and mortar. Just a left field thought. No idea what they cost, but they were pretty cheap comparably the last time I looked. I've been on a few conversions and they are a lot bigger than you think. I suspect annual maintenance costs would be on a par with owning a flat as well.

If only you knew any skilled carpenters to help ;)

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jun 25, 2020 15:25 
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I looked into it when I was in Oxford. I wish I had, now.

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