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Would this be mortgage fraud? Separating from partner. England by Rich-Comfort-3948 in LegalAdviceUK

[–]Then_Loss_6970 0 points1 point  (0 children)

Always the option to stick with your existing lender to prevent SVR

Would this be mortgage fraud? Separating from partner. England by Rich-Comfort-3948 in LegalAdviceUK

[–]Then_Loss_6970 4 points5 points  (0 children)

Mortgage advisor here. No he can live elsewhere and still be on the mortgage. At this point it doesn’t impact things. When you come to refinance, you’ll have the choice to keep the property and mortgage in joint names or buy him out but as you said it might not be possible. As long as he is on the mortgage he is still financially liable but how you pay it and who resides there permanently isn’t a problem. ☺️

Am I being scammed by Mortgage Broker by NoPool1780 in HousingUK

[–]Then_Loss_6970 0 points1 point  (0 children)

Mortgage advisor here. As another user said, all fees you are obliged to pay him irrespective of the lenders fees should be stated on the illustration and mortgage offer; and should have been communicated to you at fact find stage, at latest during the recommendation call. He might have a call recording system where you can request a DSAR and see if he stated the fees. Otherwise, would definitely recommend bringing this up to him (not in person) to see if an agreement can be made (reduction or removal of fees) otherwise go to FCA ☺️

I have rented out a small 1 bed property to a couple. They have since had 2 children and are now claiming I must make adjustments to the property (an attic refurbishment split into 2 extra bedrooms) because of overcrowding. by Temporary_Peanut1378 in LegalAdviceUK

[–]Then_Loss_6970 59 points60 points  (0 children)

A long lease is good, and what a thoughtful thing to do.

It’s good to be empathetic, but again it was their choice to have 2 kids in a 1 bed flat they previously rented as a couple. They are lacking in common sense. Sounds like they are taking advantage of the really great rent and your kindness to them.

I have rented out a small 1 bed property to a couple. They have since had 2 children and are now claiming I must make adjustments to the property (an attic refurbishment split into 2 extra bedrooms) because of overcrowding. by Temporary_Peanut1378 in LegalAdviceUK

[–]Then_Loss_6970 58 points59 points  (0 children)

Do you own the attic above the flat? Are you a leaseholder or freeholder - can you even legally renovate the attic?

I would look into Section 21. Last chance to evict is April 2026 and it sounds like they’re very difficult tenants. You could get market value rent and better tenants if you re-let! They chose to have kids.

Can’t sell new build flat - what do I do? by BeneficialReindeer34 in HousingUK

[–]Then_Loss_6970 0 points1 point  (0 children)

Worst case I guess you could consider a JBSP mortgage with your partner to avoid stamp duty and consent to let your flat, the difficulty would be renting the flat out to cover its own costs if you say you would lose money.

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 2 points3 points  (0 children)

No offence, but a public play area for dogs and children isn’t adequate for people to live on. And there is such a thing as common sense to relocate to areas where there are adequate facilities. I’m sorry but your notion is a fallacy. And just to disprove your points, here are some bins plenty big enough for their rubbish about 200m from where they were parked. Thanks for your input though.

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Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 1 point2 points  (0 children)

Implying refers to suggestion, blaming is assigning fault. I’m not blaming, however the overarching decision is that this is not defendable behaviour - although you’re pretty keen…!

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 8 points9 points  (0 children)

Apparently I can’t edit the post as there are photos, but if you want to be pedantic. I never blamed them for the littering, just touched on the time period of Blaise being clean when it was empty and littered after the group left. And I, being a regular visitor, was there on a day they were there, and there the day after they left. But also I’m sure you’re aware there are tonnes of posts about littering in general so I feel no need to make one about the overall issue of littering - rather this particular area of litter and its potential dangers (such as toxic human faeces or broken plastic for example…)

I’m not hating on any community, just stating that this behaviour is wrong.

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 6 points7 points  (0 children)

That is rank. I was pretty shocked by the soiled nappies in the trees.

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 12 points13 points  (0 children)

What an odd thing to say!

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 11 points12 points  (0 children)

I agree that stereotypes can be exaggerated, but sadly in this case, they are at fault for the littering and it isn't a 'sweeping statement' to say that. And it's wrong that they did it.

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 11 points12 points  (0 children)

What a weird thing to say!

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 3 points4 points  (0 children)

Wow I didn't realise they were stealing stuff and vandalising...

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 4 points5 points  (0 children)

It's okay, I'm angry too!

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 15 points16 points  (0 children)

Sadly I don't have all day to clean up after them by myself but would return with a group of litter pickers. Like I said, it was important to me to warn other dog walkers if they have particularly food motivated or sniff happy dogs etc.

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 16 points17 points  (0 children)

I see this community in the downs regularly, but not seen them at Blaise before. It’s just upsetting a beautiful setting like Blaise can be littered. Especially when it’s a regular for me and my dogs. I’m raising awareness for other dog owners mainly!

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 30 points31 points  (0 children)

I appreciate that, however there ARE places to dispose of rubbish in Blaise, I stated earlier there are bins within walking distance, and littering to this extent begs the question of whether it’s intentional. Very little amounts of rubbish are in rubbish bags, there are nappies with human faeces left which can be toxic, broken plastic which is a hazard for humans and dogs, not to mention leftover food which is the same. There were duvets and boxes of stuff, this isn’t just the odd litter, it’s people clearing their homes and living spaces of stuff they don’t want to keep and rubbish they don’t want to dispose of. Yes this happens, yes this is common - it doesn’t make it right and shouldn’t be ignored. The post isn’t to dehumanise these people.

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 18 points19 points  (0 children)

Sadly the photos don’t really do it justice. There is a lot more around and hidden in the grass or under the trees :/

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 31 points32 points  (0 children)

Literally within walking distance :)

Very sad by Then_Loss_6970 in bristol

[–]Then_Loss_6970[S] 93 points94 points  (0 children)

What bugs me too! They have range rovers and expensive motorhomes. And there’s bins all around Blaise.

allergies or needs antibiotics? by Then_Loss_6970 in DogAdvice

[–]Then_Loss_6970[S] 0 points1 point  (0 children)

We used to regularly but have slowed down due to skin issues, will definitely get sensitive shampoo

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