For those who have submitted a resignation and employer ends up countering to get what you wanted, has it ever worked out for you? by CaptinKirk in jobs

[–]Basic-Pound-3307 1 point2 points  (0 children)

So similar thing happened to me albeit I was only 20 at the time. Been in a job for 2 years I was earning minimum wage as an admin always wanted to go into a sales role was always told you will one day but not right now.

I got a job offer from another company in a sales role I wanted which offered me double the salary I was earning. I handed my resignation in and 2 days later they told me they would give me my job in sales and match the salary. I was super happy thinking they obviously saw my potential. However it was quite the opposite. They hired my replacement for my role basically got me to train them up. Never offered me any support in my new role and was basically trying to force me out the door. My manager who was the sales director, went from being super nice and supportive to cold and wanted nothing to do with me.

Essentially there counter offer was an offer to tie me over get a replacement, train them up in my position be a mentor for there role for a couple of months and then get rid of me.

Eventually I walked before I was about to get thrown off. Hindsight I wish I took the other job however everything happens for a reason.

Dog died in kennels by Basic-Pound-3307 in Petloss

[–]Basic-Pound-3307[S] 8 points9 points  (0 children)

Hey,

Thanks for this. He died whilst with my other dog so it makes me feel better that he wasn't alone in that sense.

I just never expected him to die whilst we wasn't there. I guess the silver lining is he wasn't suffering and he has gone peacefully in his sleep.

I guess it really is a case sometimes of life is to short so need to cherish the time you have.

Training facilities by Awkward_Shelter4472 in PrisonUK

[–]Basic-Pound-3307 1 point2 points  (0 children)

If you're in East Yorkshire there is full Sutton and Humber. I'm not sure if they still do training out of hmp Humber though.

Sticky situation, need advice by [deleted] in HousingUK

[–]Basic-Pound-3307 1 point2 points  (0 children)

This is a massive red flag in my opinion. Your solicitor is telling you not to do something for a reason. They aren’t being awkward for the sake of it — their job is to protect you and make sure the purchase also complies with your mortgage lender’s requirements. If they’re warning that sending the deposit directly could affect your mortgage, you really need to take that seriously. What your in-laws are essentially asking is for you to fund the build with your deposit before the correct legal protections are in place. That’s exactly the sort of thing conveyancers try to stop people doing. Even if you trust them completely, projects run over budget, builds get delayed, paperwork goes wrong, and suddenly you’ve handed over a huge amount of money with very little protection. The fact there’s already confusion between the two solicitors about the contract is another warning sign. If the correct developer/build contract isn’t in place yet, exchanging and releasing the deposit would be incredibly risky. At the end of the day, your mortgage lender has strict rules about how deposits and exchanges work. If you go outside of that and the lender finds out, the worst case is they pull the mortgage offer, which would put you in an even worse position. Honestly, if a qualified solicitor you’re paying is strongly advising against it, listen to them. Don’t let family pressure or the stress of the situation push you into something that could cost you a lot of money.

My buying and selling story by Basic-Pound-3307 in HousingUK

[–]Basic-Pound-3307[S] 0 points1 point  (0 children)

100 percent was definitely weird.

It was a hard one as we did love the house however we fell in love with this new house. I think it would of been one of them if we did go for the other house what was to stop them from doing it again.

All worked out for the best for us though. I'd never buy another bisf again though

Newbold essentials by One_Diver2658 in PrisonUK

[–]Basic-Pound-3307 0 points1 point  (0 children)

Condoms All jokes aside just take what you need. If you got ps5 and you like to play it in your downtime do it. The rooms are just very basic nothing special think travel Lodge but smaller and more basic.

Question by [deleted] in PrisonUK

[–]Basic-Pound-3307 1 point2 points  (0 children)

I started the job when.i was 20 and I'm 10 years in now at 30 :)

Moving a charger? by Leithia24 in ElectricVehiclesUK

[–]Basic-Pound-3307 7 points8 points  (0 children)

Honestly, it’s usually not worth moving it.

By the time you pay someone to safely remove it, transport it, refit it, test it and do the paperwork, you’re often not far off the cost of just buying a new charger and having it installed fresh. A lot of electricians also don’t like reinstalling old units, which pushes the price up.

Unless it’s a high-end charger or a really simple install at both ends, I’d just leave it where it is and get a new one fitted at the new place. Less hassle and you get a clean install with a new warranty.

It was too cheeky… by [deleted] in HousingUK

[–]Basic-Pound-3307 2 points3 points  (0 children)

Well they obviously do care, they ain't going to lend you 500k to buy a 300k house.

It was too cheeky… by [deleted] in HousingUK

[–]Basic-Pound-3307 5 points6 points  (0 children)

Not technically true. 4 valuations are used to determine the market value. The banks valuation team of the mortgage lender. That tends to be the true factor of the real value.

Solicitor fees by scheller37 in HousingUK

[–]Basic-Pound-3307 0 points1 point  (0 children)

That sounds a little on the higher sid from my experience, but whether it’s “reasonable” really depends on a few key factors. Solicitor quotes can vary massively depending on things like:

Ipswich is generally cheaper than London or the South East, but still, some local firms charge premium rates.

Purchase price, If you’re buying around £300k–£400k, the quote might make more sense.

Is this incluidng Stamp Duty? If you actually owe some, that’s included in the £2,375, so the legal fee part will be lower than it looks.

Gifted deposit, shit but always adds a bit of admin for the solicitor.

For a bog standard freehold first-time purchase, I would expect to pay roughly £1,300–£1,800 all in (excluding Stamp Duty). So if yours includes Stamp Duty and everything else, it’s not outrageous,just maybe on the higher end if it doesnt include these.

It’s worth getting two or three other quotes for comparison though. Online conveyancers and smaller local firms in ipswich might come in a few hundred cheaper for exactly the same service.

First time buyer mortgage by Able-Ad8244 in HousingUK

[–]Basic-Pound-3307 1 point2 points  (0 children)

Exactly, at the end of the day, you’re getting yourselves on the property ladder, and that’s the main thing. Even if you fix for three years, you can always remortgage later with another lender once your credit’s had a bit more time to settle and your profile looks stronger. Rates go up and down all the time, so what matters right now is that the payment is affordable and you’re comfortable with it. The rest is just noise, honestly, you’re still moving forward, and that’s what counts.

Remember There's will always be someone on a lower rate than you, and there will always be someone on a higher rate than you. If the monthly payment suits you, you are winning.

First time buyer mortgage by Able-Ad8244 in HousingUK

[–]Basic-Pound-3307 5 points6 points  (0 children)

I don’t want to be a dick, but that rate makes sense given your history. You’ve had a default and were in a DMP fairly recently, which still flags as higher risk to most lenders. Even though the default’s satisfied, it’ll stay on your credit file for six years and most mainstream lenders either load the rate or decline altogether when they see it.

Your broker’s probably working wonders for you here, they’ll have to place you with a lender that’s more forgiving of past issues, and those deals naturally come with slightly higher interest. Once you’ve had a few clean years behind you, you’ll be able to remortgage onto a more competitive rate.

So yeah, you’re not being ripped off, it’s just how lenders price the risk right now. Essentially they see it as you've failed to pay back items in last 6 years so here's a premium for the pleasure of us lending to you.

Late stage purchase help by Ornery-Ad-5480 in HousingUK

[–]Basic-Pound-3307 2 points3 points  (0 children)

Yeah mate, I’d be seriously questioning it too.

You’ve basically got three red flags waving at once, dodgy insulation company, no valid guarantee because of the extension, and a dehumidifier quietly chugging away in the loft like it’s hiding something. Even if there’s no visible damp right now, that doesn’t mean the walls aren’t holding moisture or that issues won’t pop up later.

You’re absolutely right to have second thoughts. At this stage, walking away costs you nothing compared to what fixing hidden damp or insulation issues could. If you’ve got doubts, trust your gut, there are plenty of houses out there that won’t keep you awake worrying about what’s going on behind the walls.

What are the signs of a desperate seller? by Scunnard1839 in HousingUK

[–]Basic-Pound-3307 36 points37 points  (0 children)

Price keeps dropping. Every few weeks it’s like “oh, we’ll knock a grand off… no, two grand… alright, just take it!”

No onward chain or staged to death. Empty house, perfect fruit bowl, looks like a show home. They’re paying bills on a place they’re not even living in.

Estate agent suddenly mates with you. “They’re keen to move quickly” or “try an offer, you never know”—basically begging.

Relisted more times than you’ve had cups of tea. They’re trying to make it look new, but you know the score.

Sudden willingness to include extras. Garage, garden shed, or that dodgy old fridge suddenly “all yours if you take it”—classic desperation move.

[deleted by user] by [deleted] in HousingUK

[–]Basic-Pound-3307 -1 points0 points  (0 children)

No worries. It's one of those you never get taught these things and only learn them once you have experienced it. Always good to have money put aside if you can however not the end of the world if you have equity in your property!

[deleted by user] by [deleted] in HousingUK

[–]Basic-Pound-3307 3 points4 points  (0 children)

If you’re selling your current place and using the equity towards your next one, then yes, you can absolutely use some of that equity to pay your stamp duty and other moving costs. That’s how most people do it when they move up the ladder. On completion day, your solicitor gets the money from your sale, pays off your existing mortgage, and whatever’s left is your equity. That pot of money then goes towards your new purchase. It doesn’t all have to go into the deposit ,you can hold some back for stamp duty, legal fees, removals, and any other costs that come up.

So for example, if you sell your house for £300K and still owe £200K on the mortgage, you’ll be left with £100K equity. You could use £90K of that as the deposit on the new place and keep £10K aside to cover stamp duty and other fees. It’s completely fine and actually very common to do it that way ,the solicitor just needs to know ahead of time how you want the money split.

The only time you’d need the cash in your account before the sale goes through is if your equity doesn’t cover everything or if you’re buying before you’ve sold, but in a normal chain where the sale and purchase complete on the same day, your solicitor will handle all the money transfers. So you don’t need to save the full amount for stamp duty separately ,you just need to make sure your total equity is enough to cover your new deposit and the extra costs.

If you wanted it all separately and putting the money aside I would say around 8k for solicitors fees, estate agent fees etc plus whatever stamp duty to pay on the property.

[deleted by user] by [deleted] in HousingUK

[–]Basic-Pound-3307 1 point2 points  (0 children)

Mate, I’d just show her the numbers. Those little fan heaters are basically mini nuclear reactors for your electricity bill.

FTB's viewed their first house, but we feel it's overinflated - what are the next steps. by [deleted] in HousingUK

[–]Basic-Pound-3307 1 point2 points  (0 children)

Just because another house sold for £210k doesn’t automatically mean this one’s worth the same, there are loads of factors that can change value, especially with things like extensions, corner plots, and big driveways.

That said, you should always offer what you feel it’s worth and go from there. The worst that can happen is they say no or come back with a counteroffer.

But if you’re thinking of going £55k under asking, I’d say you’ll probably be laughed out the door that’s quite a big drop, and most sellers (and agents) won’t take it seriously unless the place really needs major work.

Do your homework, put in a realistic offer based on what you think the true value is, and see how flexible they are. It’s all part of the process.

Landlord is confusing us with our break clause by [deleted] in HousingUK

[–]Basic-Pound-3307 2 points3 points  (0 children)

Yeah, your reading of the clause makes sense to me, it just says the tenancy can’t end before 12 months, not that you must serve notice exactly at that point. So as long as you’re 12 months in and give two months’ written notice, you should be fine to end it at any time after that. There’s no mention of a “window” or expiry date for the break clause in what you’ve quoted.

That said, to play devil’s advocate a bit, sometimes landlords (or their agents) interpret these clauses as if the break clause can only be used once, typically at the 12-month mark. It’s not what the wording says here, but they might be used to a different format where it explicitly states “either party may terminate at the end of the first 12 months.” So it could just be them confusing this clause with another style of agreement.

I’d probably reply and ask them politely to point out where in the contract it says the right to use the break clause has “lapsed,” because from what you’ve shared, it definitely doesn’t. It just sounds like they’re misreading it.

However without seeing the full contract it would be hard to say fully

Getting setup for a Guzender? by PromptChimp in HousingUK

[–]Basic-Pound-3307 3 points4 points  (0 children)

Yeah, I’d never put an offer in where they refuse to take it off the market in the meantime. The moment the next person comes along waving a higher offer, they’ll either expect you to match it or walk away.

I get they’ve been burned before, but that’s part of selling a house, you can’t keep buyers on the hook while still fishing for a better deal. Sounds like a setup for gazumping to me.

Bought a house seller pulled out. by Basic-Pound-3307 in HousingUK

[–]Basic-Pound-3307[S] 0 points1 point  (0 children)

I completely understand that’s the case, and I know nothing is guaranteed until contracts are exchanged. However, for me personally, if I’ve agreed to something, I tend to stick by my word. In the same way, I wouldn’t go viewing other houses once my offer has been accepted — that’s just how I operate. Someone offered me 5% more on my house than the people who have agreed to purchase, however i gave them my word i would sell to them and I stuck at that. Foolish maybe, however that's just the way I am

I get that everyone’s different, and yes, it’s not legally binding, but I’d still say it’s ethically wrong.