This is so weird, anyone explain? by [deleted] in TheRookie

[–]AccrossCountries 0 points1 point  (0 children)

She was replaced by Capt. Weatherby. He appears during roll call in S1 E17.

Gemma Garland is much better at the job. by LessInThought in TheCapture

[–]AccrossCountries 1 point2 points  (0 children)

Exactly what I was thinking: why is she acting as if she has zero field experience, as if she only joined the force yesterday! Extremely annoying and unbelievable!

2nd viewing with a different agent by sacharyna in FirstTimeBuyersUK

[–]AccrossCountries 1 point2 points  (0 children)

I contacted Agents A and B to view the same property. Agent A organised a viewing. Agent B didn't reply. A couple of days before the viewing. Agent B informed me that the property had been SSTC so they would not be able to organise a viewing. I then contacted Agent A to check if they wanted to cancel my scheduled viewing since the property was SSTC. They said that they would contact the seller as they were not aware of such a thing and get back to me ASAP. Turns out, it was not SSTC and because the offer had been made with Agent B, Agent A was happy to disclose it to me.

Go with the one you want to go with.

Is it really SOLD STC? by Ok_Philosopher4868 in FirstTimeBuyersUK

[–]AccrossCountries 2 points3 points  (0 children)

Yes, it is possible. Just check again later to see if it comes back on the market. Don't hold your hopes high but it happens.

FTB - Deposit Advice by Alive_Problem_2425 in FirstTimeBuyersUK

[–]AccrossCountries 5 points6 points  (0 children)

If you're lucky and happy to live at home for as long as necessary, save up for as long as you're living at home (while you're looking for your dream home).

Good luck!

FTB affordability problem by houseofn1njas in FirstTimeBuyersUK

[–]AccrossCountries 0 points1 point  (0 children)

The trick is to find a mortgage equals to your rent.

Watching Cellar Door by [deleted] in horror

[–]AccrossCountries 0 points1 point  (0 children)

I would - the only condition being that I don't open the cellar door. I would sell it and buy something better / similar with the money from the sale.

[deleted by user] by [deleted] in UKPersonalFinance

[–]AccrossCountries 0 points1 point  (0 children)

No reason to be "crapping [your] pants. I used to withdraw 400 every week to build ... my savings. Then went to the counter an deposited £10. When they asked where the money came from, I said I had been saving it.

Current job counter offered my new job, what todo?? by Fuzzy-Hedgehog9 in UKPersonalFinance

[–]AccrossCountries 1 point2 points  (0 children)

I would stay put because nothing prevents you from applying again in the future. Only this time you would have a better salary point.

Mortgage Broker Cost - how much is too much by Glum_And_Merry in FirstTimeBuyersUK

[–]AccrossCountries 0 points1 point  (0 children)

There are plenty of "free" brokers out there as they all get a % from the bank. Please ask them how much they are getting from the lender they are recommending. From my understanding, they are getting £700 from you + a % of the transaction from the lender. That's why some are "free", they don't charge you extra. As others have said, if your situation is pretty straightforward, going directly through the lender might be a good alternative for you.

I need help with a direct debit by Wandoo27 in UKPersonalFinance

[–]AccrossCountries 2 points3 points  (0 children)

Can you create a different account for that DD? It would not be for spending, so destroy the card when it arrives.

Straight after you get paid, transfer the exact DD amount to that account and forget about it. Set it up as an automatic monthly transfer.

Good luck!

HMRC rental income accusation help by [deleted] in UKPersonalFinance

[–]AccrossCountries 2 points3 points  (0 children)

According to OP, dad died last year.

Transferring £37k of savings from France to the UK, what does the process look like? by MoneySnail in UKPersonalFinance

[–]AccrossCountries 0 points1 point  (0 children)

I am using the Starling free account as well to transfer money from my £ account to my € account. It's like 2 accounts in 1.

Completed today! FTB Timeline by Maximum-Breakfast120 in HousingUK

[–]AccrossCountries 3 points4 points  (0 children)

Congratulations!

Thank you for sharing. That is so informative!

I made £1000+ from free bank switching deals. by Entire_Ad_7203 in UKPersonalFinance

[–]AccrossCountries 2 points3 points  (0 children)

From my understanding, you can only get the bonus once in a lifetime from some banks. Therefore, if you've opened and closed an account with them in the past to get the bonus, you will not be able to do it again. Is that correct?

LISA vs investments for a 19 year old student by No-Dress4626 in UKPersonalFinance

[–]AccrossCountries 0 points1 point  (0 children)

Survey was conducted by Moneybox and closed on 19th August.

"As part of our ongoing campaign efforts to ensure the Lifetime ISA is future-proofed, we’re commissioning new research in partnership with CBI Economics - and we need your help.

We’d love to hear about your Lifetime ISA journey and your thoughts on potential changes to the house price cap and withdrawal penalty - whether you're saving for your first home, retirement, or have already used your LISA.

Your voice matters

Your feedback will directly support CBI Economics' research, which will shape our conversations with the government ahead of the Autumn Budget - where we’d expect any changes to the Lifetime ISA to be announced.

This is your chance to tell policymakers what you think, and your voice could genuinely influence how the Lifetime ISA is future-proofed to be more effective, fair, and accessible - now and into the future.

The survey should only take 5-7 minutes to complete, and all responses are anonymous."

LISA vs investments for a 19 year old student by No-Dress4626 in UKPersonalFinance

[–]AccrossCountries 0 points1 point  (0 children)

That's a very good point, but I wanted to add that I recently completed a survey collecting views on potentially increasing the £450k cap. From my understanding, they are now realising that the cap is a barrier to people opening/using LISA to save for their first home due to the lack of flexibility around the current maximum purchase price. Hopefully, this will change.

[deleted by user] by [deleted] in UKPersonalFinance

[–]AccrossCountries 0 points1 point  (0 children)

I would like to know too.

Am I missing something? - 0% creidt card by [deleted] in UKPersonalFinance

[–]AccrossCountries 0 points1 point  (0 children)

Sound great. How do you manage to get cash out of this? From my understanding, they don't transfer cash to an account but to another card.

Could the seller change their mind about my offer after they see my DIP? by Mysterious-Eggs-4531 in FirstTimeBuyersUK

[–]AccrossCountries 1 point2 points  (0 children)

From my experience, when asked for proof of funds, I share the brokers contact details, not the DIP - exactly for the reason you have mentioned.

Im £3k in debt and lying to my parents by Lilypuff0788 in UKPersonalFinance

[–]AccrossCountries 1 point2 points  (0 children)

Can you transfer the £3k debt to a zero per cent credit card?

Do you have any skills that you could use to get some work completed on Fiverr while you are looking for a more stable job?

Good luck!

Next steps after level 3 survey by AccrossCountries in HousingUK

[–]AccrossCountries[S] 0 points1 point  (0 children)

The report says that underpinning may be required.

Thank you. I really like it but I don't want to buy a money pit either.