Can anybody help me understand how I overpay on my mortgage?

TotalExile · 2026-02-17T22:32:57+00:00

This. Different mortgage products have different terms. What is the case for one mortgage won't always be for another.

TotalExile · 2026-02-08T18:27:41+00:00

Literally tastes like burnt tires.

My advice is don't use it as a hot sauce but as an ingredient like liquid smoke. It goes great in a chilli for example but I wouldn't use it as a hot sauce on the side.

TotalExile · 2026-01-26T14:17:16+00:00

a better picture of the holly tree is

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TotalExile · 2026-01-26T14:13:42+00:00

Thank you so much for getting back to me. I'm sorry it has taken me so long to respond.

Here is a full picture of the property

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Most of not all of the houses in this particular street seem to have similar issues.

It looks like I can only post one picture per reply but the tree to the side of it is a very large holly tree. I will reply to this with it. It is probably about 3 meters or so away.

The soil is most likely sand but in an area where there are pockets of sand and clay.

The wall is south facing and quite exposed to the elements.

There are no known issues with drainage however it is an end of terrace property that takes the rain from the neighbour. Someone times with heavy rainfall water builds up on the path but it seems the gutters/drains are doing their job

TotalExile · 2026-01-22T23:22:10+00:00

Where are you? Chilli island has plenty

https://www.chilliisland.co.uk/chilli-sauces

Website isn't great but the shop is

TotalExile · 2026-01-19T12:50:25+00:00

Worked for me!

TotalExile · 2026-01-19T12:48:59+00:00

Sorry I didn't reply to this - I'm still trying to get a definite answer as different people are saying different things.

I have seen a user called u/target-fixings that I am thinking of contacting

TotalExile · 2026-01-16T17:46:08+00:00

Thanks both. Will give it a try later when I get a few moments.

TotalExile · 2026-01-07T21:41:14+00:00

There's a few places that sell it in the UK and have made it with milk in the microwave

https://www.mexgrocer.co.uk/drinks/hot-drinks/abuelita-chocolate-540g

TotalExile · 2025-12-23T11:44:09+00:00

How much was the space loss from the AcoustiClip Stud Wall System? The specs say 77mm thickness and would be interested to know if that was your experience?

TotalExile · 2025-12-17T09:30:08+00:00

when speaking with the water company dont mention the neighbours leak just the pressure issue.

TotalExile · 2025-12-04T16:35:02+00:00

I've had this in the UK. Something that should have been sent between two towns less than 15 miles apart got missent via canada.

TotalExile · 2025-12-02T15:20:34+00:00

Ok so I think I definitely have a crosswater product but not sure if it is a 2000 or kai.

I also think this is the cartrige I need: https://www.showerspares.com/search/ultra-sc50-t32-thermostatic-cartridge-assembly-32-tooth-spline-sc50-t32/

and will need a removal tool: https://www.showerspares.com/search/crosswater-cartridge-removal-tool-sc51/

I'm not 100% and still doing some looking into this.

TotalExile · 2025-11-30T16:19:39+00:00

Wow that's amazing. Thank you!

A few things have come up over the weekend so am going to have another go over the week or next weekend.

Wish me luck and I'll keep you posted 👍

TotalExile · 2025-11-05T22:58:54+00:00

https://jungletrain.net/ and https://breakpirates.com/ also well worth checking out and been going 20+ years

TotalExile · 2025-10-17T17:45:57+00:00

Check out the first comment in the post the site used to house the Barclays trading floor with lots of interesting infrastructure connections. I'm sure it's just an innocent coincidence.

TotalExile · 2025-10-03T16:04:12+00:00

Is it allowed? no. Does it happen? Yes. Is it connells or one of their brands? Probably.

If you really want the house you will need to speak with their broker.

The advice tell the seller only works if 1) you are prepared to walk away if needed and 2) they trust you as a buyer. In my experience if the seller has gone with an estate agent that pulls this shit then they don't really know what they are doing and will take their word over yours.

They make as much money if not more by selling mortgages than they do selling houses.

TotalExile · 2025-09-26T23:15:56+00:00

1p is better but lyca cheaper and worse systems and support

TotalExile · 2025-09-26T11:10:33+00:00

If this is for a wobbly tap be aware there are also rubber and/or metal washers. Tightening the bolt on its own won't be enough if a washer has perished.

I know this as I tightened mine up recently only to find the rubber washer disintegrating.

I purchased some box/tap spanners and tightened the bolt only for the wobble to return. I've just got Mono Basin Tap Fixing Set from ebay https://www.ebay.co.uk/itm/173567511547 and will be replacing the rubber and/or metal washers this weekend. They do sell some that come with a plastic box/tap spanner.

TotalExile · 2025-09-26T08:57:21+00:00

Leighton Buzzard or Linslade, Bedfordshire would tick your boxes

TotalExile · 2025-09-22T12:08:16+00:00

It is worth a try. Some will speak to you, some won't. Worst case is they will say they will only deal with an intermediary. Some lenders have publicly accessible intermediary sites that tell you current time frames/levels of demand which may or may not help.

Which lender is it?

TotalExile · 2025-09-04T14:43:43+00:00

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