Because no-one wanted to buy
DavPaz wrote:
Because no-one wanted to buy
You didn’t consider lowering the price? If you were dead against being a landlord would have not taking a hit and selling been the better option?
Hope you can get a cheaper quote, DP.
Try and think that you'll claw that mine back over the years with the rent money. Sucks when unexpected bills hit you.
Try and think that you'll claw that mine back over the years with the rent money. Sucks when unexpected bills hit you.
Have you not got any buildings and contents insurance that might cover it?
Would it cover wear and tear though rather than accidental damage?
Satsuma wrote:
Have you not got any buildings and contents insurance that might cover it?
Depends why it’s damaged. Need more info!
DavPaz wrote:
I never wanted to be a fucking landlord. I fucking hate it. And if I sell the fucking millstone-around-my-fucking-neck, the fucking government want a nice big wet 18% capital gains tax, so I'll probably end up with some hanging-chad of a mortgage hangover.
Err, so, if you sold it at, say, £50k profit (after all costs of sale etc) you’re angry you’d have to pay £7k in tax and only walk away with £43k?
Satsuma wrote:
Have you not got any buildings and contents insurance that might cover it?
Looking into it
Mr Chonks wrote:
DavPaz wrote:
Because no-one wanted to buy
You didn’t consider lowering the price? If you were dead against being a landlord would have not taking a hit and selling been the better option?
No-one wanted to buy it. We lowered the price 3 times. The house was empty for so long we had started paying council tax on it again.
Doctor Glyndwr wrote:
DavPaz wrote:
I never wanted to be a fucking landlord. I fucking hate it. And if I sell the fucking millstone-around-my-fucking-neck, the fucking government want a nice big wet 18% capital gains tax, so I'll probably end up with some hanging-chad of a mortgage hangover.
Err, so, if you sold it at, say, £50k profit (after all costs of sale etc) you’re angry you’d have to pay £7k in tax and only walk away with £43k?
No, I'm just generally angry and needed to type the word "fucking" a lot.
After some reading around, our actual profit is unlikely to be over the £24k allowance anyway. Highly unlikely *sad trumpet sound*
Mr Chonks wrote:
Ugh 
Tell me about it. It's a nice house in a nice street but the area has a bad reputation, being majority Local Authority housing, and it's only 2 bedrooms. Which is why we moved
DavPaz wrote:
Mr Chonks wrote:
Ugh
Tell me about it. It's a nice house in a nice street but the area has a bad reputation, being majority Local Authority housing, and it's only 2 bedrooms. Which is why we moved
You definitely shouldn't sell it at a £27K loss just to get rid of the fucking thing. I mean, what kind of idiot would do that? Ahahahahahahahaha*tails off into desperate sobbing*
Jeez, so you sold for £27k less than you bought for, or £27k less than what you owe?
Mr Chonks wrote:
Jeez, so you sold for £27k less than you bought for, or £27k less than what you owe?
Oh God, not for less than I owed! I sold it for 5k more than what was left on the mortgage, but that was 27k less then what I originally paid for it. It's basically like being a first time buyer again, except I've had a lot longer to save up a deposit. RIP most of my fucking savings!
The estate agent originally valued it for a lot more but it had been on the market for a few months (over Christmas admittedly) and I'd only had a few viewings and no offers. Everything about the flat itself and the sale process was massively negatively impacting my mental health so I took the decision to just get shot of it. I was never ever getting my money back on it, I could've got at most another 5 to 10 grand if I'd held out and it didn't feel worth it.
Bamba wrote:
I could've got at most another 5 to 10 grand if I'd held out and it didn't feel worth it.
I made a similar decision and look how that turned out, ahahahahaaaaaaaaaaa
(Oh yes, latest house disaster: the conservatory is leaking)
DavPaz wrote:
Mr Chonks wrote:
Ugh
Tell me about it. It's a nice house in a nice street but the area has a bad reputation, being majority Local Authority housing, and it's only 2 bedrooms. Which is why we moved
What were your comparables priced at then? It sounds like it was overpriced for the area. Did an agent set the price?
See if you can tell on the graph where my insomnia kicked in...
What tracker do you use?
Sleep As on android
Minor but painful nay. I got bitten by a mosquito on the part where my ear meets my head and it's turned into impetigo, and my ear is swelling up and blistering. Luckily I just happened to have a doctor's appointment today so she's given me the treatment for it, but man alive my ear is sore.
Mimi wrote:
Minor but painful nay. I got bitten by a mosquito on the part where my ear meets my head and it's turned into impetigo, and my ear is swelling up and blistering. Luckily I just happened to have a doctor's appointment today so she's given me the treatment for it, but man alive my ear is sore.
Oh that sucks. I get impetigo under my nose after a cold (except I never drag my arse to the docs to get it sorted so it comes back again and again
) and it's so sore and itchy. Hope it goes asap 
Jem wrote:
Mimi wrote:
Minor but painful nay. I got bitten by a mosquito on the part where my ear meets my head and it's turned into impetigo, and my ear is swelling up and blistering. Luckily I just happened to have a doctor's appointment today so she's given me the treatment for it, but man alive my ear is sore.
Oh that sucks. I get impetigo under my nose after a cold (except I never drag my arse to the docs to get it sorted so it comes back again and again
) and it's so sore and itchy. Hope it goes asap Under your nose? Gosh, i bet that's even more painful then where I have it on my ear. Apparently it's contagious. The advice on the cream is (spoilered for squeamish)
ZOMG Spoiler! Click here to view!
The cream does work in 2-3 days rather than 2-3 weeks without it. I like that they say the
ZOMG Spoiler! Click here to view!
I've had to put a plaster over mine as I really don't want Darwin touching it and getting it. Have you ever tried to put a plaster over the skin between your earlobe and your face/neck? Not easy. Blinking mosquitos, eh?
aww that sucks, hope the cream helps soon!
DavPaz wrote:
Satsuma wrote:
Have you not got any buildings and contents insurance that might cover it?
Looking into it
Did you manage to get this sorted Davpaz?
Goddess Jasmine wrote:
DavPaz wrote:
Satsuma wrote:
Have you not got any buildings and contents insurance that might cover it?
Looking into it
Did you manage to get this sorted Davpaz?
No cover on our policy. Looking into either selling up or remortgaging.
DavPaz wrote:
Goddess Jasmine wrote:
DavPaz wrote:
Satsuma wrote:
Have you not got any buildings and contents insurance that might cover it?
Looking into it
Did you manage to get this sorted Davpaz?
No cover on our policy. Looking into either selling up or remortgaging.
Do you actually need a full roof or can it be repaired?
I have just flown home from Dublin. The flight was two hours delayed and that meant that London City Airport closed and we got diverted to Stansted, which is FUCKING MILES AWAY AND NOT IN LONDON.
Goddess Jasmine wrote:
DavPaz wrote:
Goddess Jasmine wrote:
DavPaz wrote:
Satsuma wrote:
Have you not got any buildings and contents insurance that might cover it?
Looking into it
Did you manage to get this sorted Davpaz?
No cover on our policy. Looking into either selling up or remortgaging.
Do you actually need a full roof or can it be repaired?
Not according to the roofer that the management company got in. Potential conflict of interest of course
Cras wrote:
we got diverted to Stansted, which is FUCKING MILES AWAY AND NOT IN LONDON.
At least it wasn't "London" Oxford.
Now I'm on a coach to London. This is profoundly suboptimal.
Kern wrote:
Cras wrote:
we got diverted to Stansted, which is FUCKING MILES AWAY AND NOT IN LONDON.
At least it wasn't "London" Oxford.
“Nottingham” East Midlands is thankfully no longer called that.
I am suffering really badly with Hayfever.
Seems to get worse the day after I have been open water swimming.
Seems to get worse the day after I have been open water swimming.
You probably spend more time outdoors now, mind, maximising your potential exposure. I get it at very different times of the year, so have never worked out which plants are causing it. Plus travelling complicates it - ooh, summer, but it's December. The UK was bad for me in June, but not when I left last week.
I've got a PCN coming for not paying the toll for crossing the new Mersey Gateway Bridge last month. It's the first time I've forgotten to pay, but they have my email address associated with my van reg because I've paid them about a dozen times previously. Pity they couldn't just send me a reminder when I hadn't paid after 24 hours.
Warhead wrote:
I've got a PCN coming for not paying the toll for crossing the new Mersey Gateway Bridge last month. It's the first time I've forgotten to pay, but they have my email address associated with my van reg because I've paid them about a dozen times previously. Pity they couldn't just send me a reminder when I hadn't paid after 24 hours.
I got done for nearly £500 for failing to pay the fee for both legs of a the Dartford crossing. Galling, but it was my fault for not updating my address with the DVLA.
I've since added my bank details to Dart Crossing, so they can just debit money from my account, which makes life easier.
Findus Fop wrote:
Warhead wrote:
I've got a PCN coming for not paying the toll for crossing the new Mersey Gateway Bridge last month. It's the first time I've forgotten to pay, but they have my email address associated with my van reg because I've paid them about a dozen times previously. Pity they couldn't just send me a reminder when I hadn't paid after 24 hours.
I got done for nearly £500 for failing to pay the fee for both legs of a the Dartford crossing. Galling, but it was my fault for not updating my address with the DVLA.
I've since added my bank details to Dart Crossing, so they can just debit money from my account, which makes life easier.
How much?!? Cripes.
Mimi wrote:
Findus Fop wrote:
Warhead wrote:
I've got a PCN coming for not paying the toll for crossing the new Mersey Gateway Bridge last month. It's the first time I've forgotten to pay, but they have my email address associated with my van reg because I've paid them about a dozen times previously. Pity they couldn't just send me a reminder when I hadn't paid after 24 hours.
I got done for nearly £500 for failing to pay the fee for both legs of a the Dartford crossing. Galling, but it was my fault for not updating my address with the DVLA.
I've since added my bank details to Dart Crossing, so they can just debit money from my account, which makes life easier.
How much?!? Cripes.
Was around £250 each way, based on the fines that escalate after each period
of non-payment elapses. Which I was oblivious to as the letters were going to my old address.
My original fine would have only been £35 or something, I think.
I changed addresses then got caught by a speed camera. NIP, points, fine, escalating fine all to my old address until it got to the point my license was cancelled. When I finally worked it out and got round to getting it reinstated, no fine and no points.
Cras wrote:
I changed addresses then got caught by a speed camera. NIP, points, fine, escalating fine all to my old address until it got to the point my license was cancelled. When I finally worked it out and got round to getting it reinstated, no fine and no points.
The perfect crime
Findus Fop wrote:
Mimi wrote:
Findus Fop wrote:
Warhead wrote:
I've got a PCN coming for not paying the toll for crossing the new Mersey Gateway Bridge last month. It's the first time I've forgotten to pay, but they have my email address associated with my van reg because I've paid them about a dozen times previously. Pity they couldn't just send me a reminder when I hadn't paid after 24 hours.
I got done for nearly £500 for failing to pay the fee for both legs of a the Dartford crossing. Galling, but it was my fault for not updating my address with the DVLA.
I've since added my bank details to Dart Crossing, so they can just debit money from my account, which makes life easier.
How much?!? Cripes.
Was around £250 each way, based on the fines that escalate after each period
of non-payment elapses. Which I was oblivious to as the letters were going to my old address.
My original fine would have only been £35 or something, I think.
Ahhhh! I get tou. I thought you’d missed the toll and immediately got a £500 fine
Mimi wrote:
Findus Fop wrote:
Mimi wrote:
Findus Fop wrote:
Warhead wrote:
I've got a PCN coming for not paying the toll for crossing the new Mersey Gateway Bridge last month. It's the first time I've forgotten to pay, but they have my email address associated with my van reg because I've paid them about a dozen times previously. Pity they couldn't just send me a reminder when I hadn't paid after 24 hours.
I got done for nearly £500 for failing to pay the fee for both legs of a the Dartford crossing. Galling, but it was my fault for not updating my address with the DVLA.
I've since added my bank details to Dart Crossing, so they can just debit money from my account, which makes life easier.
How much?!? Cripes.
Was around £250 each way, based on the fines that escalate after each period
of non-payment elapses. Which I was oblivious to as the letters were going to my old address.
My original fine would have only been £35 or something, I think.
Ahhhh! I get tou. I thought you’d missed the toll and immediately got a £500 fine
Mine will be £20 if I pay within 14 days, I think.
Cras wrote:
I changed addresses then got caught by a speed camera. NIP, points, fine, escalating fine all to my old address until it got to the point my license was cancelled. When I finally worked it out and got round to getting it reinstated, no fine and no points.
All with absolutely zero help, too!
All on my own like a big boy!
Was this about the same time you spent all that money on that storage room for your stuff?
ZOMG Spoiler! Click here to view!
TheVision wrote:
Was this about the same time you spent all that money on that storage room for your stuff?
Well that spanned about seven years so...yes.
Cras wrote:
ZOMG Spoiler! Click here to view!
Awwww. You guys are cute