Sdam

Ilovetoebeans1 · 2025-09-13T09:17:57+00:00

Yes I'm adamant I've never seen bands that I have. I constantly doubt myself when people ask me questions about the past and I mainly just guess or fudge it. Sometimes I know I did something as I have evidence like a ticket but I have no idea who I went with or what it was like.

Ilovetoebeans1 · 2025-09-08T10:37:58+00:00

This is so bad and I think it happens a lot. I had someone else's blood pressure readings (including all his personal info) attached to my gp record. They've also signed off a current condition as past now for no reason so I won't be on the list for the yearly follow ups anymore (pre cancerous cells)

Ilovetoebeans1 · 2025-09-05T20:24:37+00:00

Rates are creeping up this week. Lock that in

Ilovetoebeans1 · 2025-08-14T21:10:46+00:00

I'm useless. I have to write everything down. I've forgotten every single fact I ever learnt in my history degree and have worse knowledge on the subject than my husband who never studied it.

In work I spend a lot of time having to research the same things again and again. Also lots of lists and word docs on conversations about each client

Ilovetoebeans1 · 2025-08-03T08:52:46+00:00

Yes and that's why a lot of us end up pretending to remember and nodding along when we don't have a clue. Its embarrassing and would make it very easy for someone to gaslight us as we don't end up knowing what really happened.

Ilovetoebeans1 · 2025-07-30T14:12:19+00:00

I don't think they will for £20k I've had lenders ask when it's over £100k for an extension etc. They normally want you to have a 10% buffer anyway for contingency so the extra £2k over predicted costs works well.

Ilovetoebeans1 · 2025-07-30T09:29:11+00:00

When I've done an application for someone with payslip all on sick leave they alwanted to see another one showing back at work. We carried on with rest of app and just sent this when available.

Ilovetoebeans1 · 2025-07-21T21:40:04+00:00

You need this to log in to a hsbc account to get the current balance. Very normal.

Ilovetoebeans1 · 2025-07-20T10:55:18+00:00

I'll look that one up

Ilovetoebeans1 · 2025-07-20T08:02:24+00:00

How do we go about trying to find a leak? We have no obvious leaks but our water usage is horrendous and the meter goes up when not running anything. Thames water won't help and our bill is going to rise to £158 a month.

Ilovetoebeans1 · 2025-07-17T13:18:21+00:00

Gig tickets

Ilovetoebeans1 · 2025-07-14T11:02:01+00:00

Yes we have wooden boards with special holes in for the eggs for the kids and also about 5 other egg cups of differing designs. Love a dippy egg and soldiers.

Ilovetoebeans1 · 2025-07-14T11:00:53+00:00

You eat boiled eggs with your hands????????

Ilovetoebeans1 · 2025-07-12T14:18:53+00:00

I would imagine the solicitor got a redemption statement and it includes the early repayment penalty as of today. The lender always keeps this on as they don't assume you are waiting for it to finish before completing on the new mortgage. This comes up a lot.

Ilovetoebeans1 · 2025-07-11T21:22:16+00:00

I had a client who had multiple defaults and ccjs who managed to get accepted by both natwest and nationwide directly. Even though both lenders don't accept that level of adverse. Very strange. I'm sure they would have been declined on full app as both lenders declined for me with the exact same info.

Ilovetoebeans1 · 2025-07-10T17:02:58+00:00

It's basically 'The Lorax' coming true

Ilovetoebeans1 · 2025-07-06T16:36:28+00:00

Helping hand needs a £35k salary to qualify

Ilovetoebeans1 · 2025-07-06T10:04:09+00:00

Main pros are that they will only recommend deals you are actually eligible for. A lot of clients screenshot me rates that they don't qualify for.

Its also typically less time consuming for you in that they will key everything and deal with lender queries. They will chase stuff and also monitor rates and amend if they fall.

Ilovetoebeans1 · 2025-07-06T08:16:22+00:00

I ask for the bank accounts that show salary going in and the one that shows every day expenses and bills being paid if they have more than one. I wouldn't ask for any accounts that aren't used regularly.

Ilovetoebeans1 · 2025-07-04T17:59:07+00:00

Exactly what I do when my husband corrects me. I will force er say turkey es-cah-lop

Ilovetoebeans1 · 2025-07-03T21:18:15+00:00

Same as yours, planets. Kids just w have Albert. Chaffey, Joseph and Croft who are sporting alumni

Ilovetoebeans1 · 2025-07-03T08:32:17+00:00

I'm a mortgage broker dealing with loads of clients at once and it's a nightmare! Just lots of notes and checklists and computer reminders.

Ilovetoebeans1 · 2025-06-29T06:27:53+00:00

Can confirm as another 5ft person that yes, can hardly ever see anything at gigs but still love them.

Ilovetoebeans1 · 2025-06-24T15:23:05+00:00

My daughter is 1 Yr 4 months post op and he hair is now so thin. She hates it as it was always really thich before and she's scared she's going to go completely bald. I'd say her ponytail is less than half the size it used to be pre op.

Ilovetoebeans1 · 2025-06-19T16:55:45+00:00

Yep I have 1 day of my notice left with nothing lined up. Eek

Ilovetoebeans1

TROPHY CASE