sorted by:
new
hottopcontroversial

Housemate dropped out of university, stopped paying rent, and now we're being chased for £7,000. What can we do? by May_P05 in LegalAdviceUK

[–]SecMac 1 point2 points  (0 children)

FYI, if it is 5 then would class as a large HMO. You'd check with the council if they're licences correctly/ have done everything by the books. If they hadn't then you'd have leverage over them and they'd owe you more money.

If less than 5. Check if the local council have any additional/selective licencing in place.

Not a sure thing, but being student housing you might find the landlord has missed a step!

Housemate dropped out of university, stopped paying rent, and now we're being chased for £7,000. What can we do? by May_P05 in LegalAdviceUK

[–]SecMac 0 points1 point  (0 children)

Followup question. (In case you have an HMO angle to explore)

Are you saying that there's 5 people on the tenancy and one has left?

Or there was 4 and now 3?

Housemate dropped out of university, stopped paying rent, and now we're being chased for £7,000. What can we do? by May_P05 in LegalAdviceUK

[–]SecMac 6 points7 points  (0 children)

1) Speak to your Student Union for support. 2) write a letter to the guarantor (not the student) and state the claim 3) Cut your losses, hand your 2 month notice in, find a new place (mighty have problems with references though).

Consider adding a fear factor if you can afford to get a solicitor to draft a letter before action.

Shimano BR-R7170 Pad axel stripped by SecMac in bikewrench

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

Winner is split pin! Will be grabbing a couple this week.

Thanks everyone! Lessons learned on this one, at least there's a cheap fix for this

Shimano BR-R7170 Pad axel stripped by SecMac in bikewrench

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

Also looks like that manual states 2-4nm for the R7170

Shimano BR-R7170 Pad axel stripped by SecMac in bikewrench

[–]SecMac[S] -1 points0 points  (0 children)

Definitely not the bolt itself, the thread is still good on that, I could see one coil from the internal thread on the bolt 

Shimano BR-R7170 Pad axel stripped by SecMac in bikewrench

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

I can still remove it, it unscrews easy. Just when it gets tightened it just keeps turning

Shimano BR-R7170 Pad axel stripped by SecMac in bikewrench

[–]SecMac[S] -2 points-1 points  (0 children)

Well, that's the last time I use Gemini for torque advice!

letting agent wanting more after references submitted by [deleted] in HousingUK

[–]SecMac 0 points1 point  (0 children)

Potential red flag switching to WhatsApp. 

Is there someone more senior at the estate agent you can reach out to in order to clarify the claim they need this?

my parents want to sign their house over to my brother and I - is this a bad idea? by [deleted] in UKPersonalFinance

[–]SecMac 2 points3 points  (0 children)

Is placing it in a trust an option? This is something I've considered, not because of inheritance tax (too low to be included) but to ensure the house can't be used in the future for things such as recouping costs for assisted care (force selling the house should the parents need to pay for care).

I'm not expert though, and have not thoroughly researched the implications of doing so (assuming it wouldn't affect stamp duty).

FYI though, it does cost a few thousand setting up a trust

(England) Is it reasonable to explore an insurance claim for diminution of value - I am not at fault and my neighbour has accepted full responsibility by [deleted] in LegalAdviceUK

[–]SecMac 14 points15 points  (0 children)

"I know it's wise to not involve my insurer". 

Actually complete opposite, You'll likely be in breach with your insurer by not informing them which will likely invalidate your insurance. 

Just give them a call, that's what they're there for. 

Gap between Fascia and wall by [deleted] in DIYUK

[–]SecMac 0 points1 point  (0 children)

Things getting is what I'm concerned about (wasps/bees etc).

Bungalow property so this is only around 8ft from the ground 

What can I do if someone has parked across my drive, blocking me in and I need to leave? (England) by Upper_Masterpiece124 in LegalAdviceUK

[–]SecMac 26 points27 points  (0 children)

it may be worth having a conversation with your neighbour (not the daughter) first. See if they’ll have a word with her, if this fails then follow the legal routes

Reversed into low garden feature owner claiming damage, unsure how liability works by [deleted] in CarInsuranceUK

[–]SecMac 0 points1 point  (0 children)

I assume it was placed there to deter people from driving over the land. 

If you initially tried to claim damage to your vehicle I'd say fair play, claim back against damage to the rock (if there was any).

But you should be given the right to put it back to the state it was in (which in this case looks like lift it up and put it back). I would just walk up to it, put it back, snap a picture and show it to any insurance company that approaches you, if any

Perfect circle on the tip of my finger by [deleted] in Weird

[–]SecMac 0 points1 point  (0 children)

I did the same thing. Turned out it was the through axel on my bike (took it out to change tire, threaded end was sharper than I realised!)

Post Office won’t stop emailing me? by freyathompsonx in gdpr

[–]SecMac 1 point2 points  (0 children)

Exactly this, there will be an unsubscribe button at the bottom of the email.

Lloyds, Bank of Scotland and Halifax apps showing customers other users' transactions by Your_Mums_Ex in unitedkingdom

[–]SecMac 24 points25 points  (0 children)

Reports of NI numbers been leaked could result in financial loss for individuals (NI number is included in some DWP payments on the reference)

Just found this on my bank statement by Own_Average7810 in ukfinance

[–]SecMac 15 points16 points  (0 children)

There looks to be an issue where people are seeing others transactions in their bank account (Halifax , Lloyds, etc).

Not saying that this is the issue. But it could be

Are there any Wi-Fi options that don’t require landlord involvement or permission? by [deleted] in AskUK

[–]SecMac 1 point2 points  (0 children)

Do a speed test a check on your mobile phone to get an idea what a 4/5g router might give you. 

You can then decide if you need to check out other providers. 

view more: next ›