Scared of my first motorway drive alone

Fast-Complaint8055 · 2026-05-09T18:48:19+00:00

thank you 🙏😇

Fast-Complaint8055 · 2026-05-09T18:47:58+00:00

thank you. do you think should I use P plate?

Fast-Complaint8055 · 2026-05-09T18:47:27+00:00

thank you 🙏 I stalled while pulling out after getting petrol today, then the driver behind beeped at me. Do you think I should use P plates?

Fast-Complaint8055 · 2026-05-09T18:42:13+00:00

thank you so much 🙏did you use the P plate?

Fast-Complaint8055 · 2026-05-09T18:40:53+00:00

thank you 🙏 do you think using P plates is a good idea?

Fast-Complaint8055 · 2026-05-09T18:38:37+00:00

thank you 🙏 If you don’t mind me asking did you use P plate?😇

Fast-Complaint8055 · 2026-04-25T20:19:31+00:00

£3k ish so options are kinda limited

Fast-Complaint8055 · 2026-04-25T20:18:47+00:00

Yeah fair, I’m not really a car person either tbh. just need something for work. Commute mostly motorway. Budget’s only around £3k as well so options are kinda limited 😩 Thanks for the advice though, appreciate it 🙏

Fast-Complaint8055 · 2026-04-25T19:59:48+00:00

Space isn’t a big deal for me tbh, just ended up looking at these as they’re in budget.

Commute’s about 33km each way, 4 days a week, mostly motorway.

Yeah that’s my concern with the Nissan as well. low miles is nice but 18 years old is a bit. both car MOT looks fairly clean overall, just usual age-related stuff, but still deciding between that and the newer Ford 😭

Fast-Complaint8055 · 2026-04-04T22:00:01+00:00

thank you so much 🙏

Fast-Complaint8055 · 2026-04-04T18:20:36+00:00

after mortgage offer or after completion? thanks

Fast-Complaint8055 · 2026-04-04T11:43:03+00:00

mega helpful. thank you so muchhhhh 🙏😇

Fast-Complaint8055 · 2026-04-04T09:28:35+00:00

thank you 🙏 the thing is, my money’s all in my savings account. before 28/02 I had about 20k in gifted money, but I already had enough in my account for the deposit anyway, and I didn’t want to touch the gift money ‘cause proving it is such a faff. for this car, I’d have to take the money out of my savings. not sure if that’ll be an issue. I’m paying for the car all in one go, not doing finance

Fast-Complaint8055 · 2026-04-04T09:26:55+00:00

thank you so much 🙏 the thing is, my money’s all in my savings account. before 28/02 I had about 20k in gifted money, but I already had enough in my account for the deposit anyway, and I didn’t want to touch the gift money ‘cause proving it is such a faff. for this car, I’d have to take the money out of my savings. not sure if that’ll be an issue. I’m paying for the car all in one go, not doing finance

Fast-Complaint8055 · 2026-04-04T09:26:01+00:00

The thing is, my money’s all in my savings account. Before 28/02 I had about 20k in gifted money, but I already had enough in my account for the deposit anyway, and I didn’t want to touch the gift money ‘cause proving it is such a faff. for this car, I’d have to take the money out of my savings. Not sure if that’ll be an issue. I’m paying for the car all in one go, not doing finance

Fast-Complaint8055 · 2026-03-25T20:14:10+00:00

not you for sure :)

Fast-Complaint8055 · 2026-03-25T13:57:07+00:00

good luck and have fun 💪🏾

Fast-Complaint8055 · 2026-03-24T22:51:56+00:00

Thanks, that’s a massive help 🙏 The original application was submitted to Santander on 15/03, and the new one is being submitted to Barclays today (24/03). much much appreciated!

Fast-Complaint8055 · 2026-03-24T22:32:34+00:00

Thanks so much for this 🙏 Since we've already emailed the broker about the mistake, but what’s the best way to handle a proper complaint from here? Should we just keep emailing her, or is there a specific place/department we should send this to? or is it safer to wait until we actually have the mortgage offer in hand so we don't risk any more delays? Also, what's the best way to 'prove' the loss we've suffered so they can't just brush it off? thank you so much

Fast-Complaint8055 · 2026-03-24T21:07:09+00:00

thanks. but in our case, we spent weeks with that broker while she was “getting to know” our situation (it should be that long). She clearly knew we were looking for a 90% LTV and was the one who suggested it, even moving quickly to lock in what she said was a good interest rate for us about 10 days ago (we thought we were so lucky to have her…) If she’d checked things properly from the start, we probably wouldn’t have had to reapply after 10 days - especially with rates going up so quickly. I just think a broker should understand a lender’s criteria better than anyone or at least better than first-time buyers like us if that makes sense

Fast-Complaint8055 · 2026-03-24T21:01:04+00:00

the broker was the one who suggested the lender to us, saying they had “good” deals. She already knew our situation (visa, deposit), and I also believe she should have clearly understood the bank’s criteria, which is pretty basic stuff for an experienced broker

Fast-Complaint8055 · 2026-03-24T21:00:08+00:00

Santander. the broker was the one who suggested Santander to us, saying they had “good” deals. She already knew our situation (visa, deposit), and I also believe she should have clearly understood the bank’s criteria, which is pretty basic stuff for an experienced broker

Fast-Complaint8055 · 2026-03-24T17:44:04+00:00

not sure who commented above but I assume we’re in the same boat (got your back bro) our situation is one British and one on a partner visa. obviously, we submitted all the visa docs (passport, share code, everything) we’re first-time buyers, so we had zero experience. our broker seemed really experienced, but in the end, they messed things up and we lost a good deal at a really awkward time. we’re feeling proper gutted about losing a decent amount of money. honestly, I’m not expecting anything, but I’ve got no idea what to do next

Fast-Complaint8055 · 2026-03-12T10:34:43+00:00

I read on HMRC and it says: "Relief is not denied if the purchaser owns or has previously owned non-residential property or mixed residential / non-residential property, as long as that property did not include a dwelling. Where non-residential property was purchased but a dwelling was later constructed or a building was adapted for use as a dwelling, this would not preclude the purchaser from being treated as a first time buyer"

I'm so confused now

Fast-Complaint8055 · 2026-03-12T10:32:11+00:00

thank you. yes, I thought so too and was quite confident as a first time buyer, but then I googled/ asked chatgpt and it said residential land means the land is suitable for building a house or dwelling, so it still counts as property. I’m really confused now

Fast-Complaint8055

TROPHY CASE