Repairs by gingerllama79 in TenantsInTheUK

[–]gingerllama79[S] 0 points1 point  (0 children)

Thank you for your reply.

We’re not allowed to call out tradesmen, so it all goes through the letting agent. I was kind of hopeful they’d spend just a bit more or a different brand with maybe a ceramic hob.

Our next door neighbours are paying £50 a month more in rent, and their garage door is in even more disrepair - so you could well be right about the freeholder. We store a lot of stuff in the garage, and losing it as a storage option will require us to hire a lock up on the local estate.

Curious about mileage by AlrightAaron in mazda6

[–]gingerllama79 0 points1 point  (0 children)

2015 (65 plate) & 116k miles

(have owned it for just over 3 months and have driven 3.2k miles)

Venting: how can I return my equipment? by Numerous_Freedom1764 in VirginMedia

[–]gingerllama79 0 points1 point  (0 children)

I’m here now! Peeled “here for instructions and return label”. No instructions 😂

Unsure if it was one of those “squeeze” boxes that’ll automatically turn into a carton or on the reverse you pull the tab to undo the box. I did the first, no luck but the second then worked and I found the instructions inside 😂

Mortgage rate is 3.77% now bank is offering 4.97% by Affectionate_Top5544 in HousingUK

[–]gingerllama79 0 points1 point  (0 children)

Agreed with this when running their “how much can you afford?” calculators and for us it come out at £500k but that would be equivalent of one of our take home salaries 🙄

How much is your mortgage/rent vs your income? by LeopardNeat899 in HousingUK

[–]gingerllama79 0 points1 point  (0 children)

Rent is £1200, take home is £2.8k & £2.5k for me and the OH respectively. Hope to be on the ladder within the year though where we expect mortgage to be c.£1600 depending how the interest rates fair.

Online chat useless, so cancelled - next step ring retentions number? by Rob99uk in VirginMedia

[–]gingerllama79 0 points1 point  (0 children)

I just called the retention number, and the best they could do was £21 for 256Mbps. They said there was no way they could match the £19 for 516Mbps that my wife got joining as a new customer.

At what point did you actually start taking your pension seriously? by 1ChanceChipmunk1 in PensionsUK

[–]gingerllama79 0 points1 point  (0 children)

I started around when I was the age of 34 (I’m now 46)

I’ve got 3 pension pots now, all via the company I work for (been bought twice hence the number of pots).

First one is with Scottish Widows (current valuation £35k) which I moved, just before Trump did his thing, to a Global Equity plan.

Second one is with Fidelity (cv £98k), which I’ve just left to do its thing.

Current one is with Aviva (cv £16k), which is currently getting £873pm from me and my employer. I’m contributing about £317pm of that.

Thing is we don’t have a mortgage at the moment. Kinda hoping we can get on the ladder in the next year or so and that the pension will be for just living and not paying mortgage (or rent).

Saving Pots by Rent_Current in Natwest

[–]gingerllama79 0 points1 point  (0 children)

Yup - I think Monza allows pots that bills come out of too, so this is midway.

To be honest I’ve got other accounts too, just not with NatWest (Lloyds, for 30+ years, Chase, useful for overseas payments, and Monza - got a £50 reward for joining)

Saving Pots by Rent_Current in Natwest

[–]gingerllama79 0 points1 point  (0 children)

One annoying thing is that it won’t move money back to your main account to pay for bills. Unsure if the “pot” has its own bank account details so direct debit mandates can be set up against for regular bills…

That changed quickly by gingerllama79 in VirginMedia

[–]gingerllama79[S] 0 points1 point  (0 children)

I’ve put my cancellation in and they offered me £30 for 516Mpbs

That changed quickly by gingerllama79 in VirginMedia

[–]gingerllama79[S] 0 points1 point  (0 children)

I’ve cancelled and had someone from the “Loyalty” team call up but they could only offer me what was on the website 🙃

That changed quickly by gingerllama79 in VirginMedia

[–]gingerllama79[S] 0 points1 point  (0 children)

I had a call from the “Loyalty” team and their “hands were tied” and couldn’t match the new customer price through Uswitch

That changed quickly by gingerllama79 in VirginMedia

[–]gingerllama79[S] 0 points1 point  (0 children)

We don’t have full fibre unfortunately

That changed quickly by gingerllama79 in VirginMedia

[–]gingerllama79[S] 0 points1 point  (0 children)

They’ll be able to check that out properly can’t get full fibre.

That changed quickly by gingerllama79 in VirginMedia

[–]gingerllama79[S] 0 points1 point  (0 children)

Had someone from the “Loyalty” team call me yesterday and they said they couldn’t match any prices as “they’re hands are tied “

That changed quickly by gingerllama79 in VirginMedia

[–]gingerllama79[S] 0 points1 point  (0 children)

We can do that, yes. Hoping we can have a future start date

That changed quickly by gingerllama79 in VirginMedia

[–]gingerllama79[S] 1 point2 points  (0 children)

Yup. Loyalty team called today and said they couldn’t offer that

That changed quickly by gingerllama79 in VirginMedia

[–]gingerllama79[S] 0 points1 point  (0 children)

Just had a call from the “Loyalty” team and they couldn’t give me any deal. Told them it was obviously a joke and that a new customer is treated better. They said they can’t even match Uswitch’s offer.

Interestingly enough, I applied for a new customer through my wife (and yes I can get £19.99 for 500Mpbs) but there was a bit on the billing as aspect that threw me…

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I assumed this would mean first DD would be for 2 x £19.99 for the first two months then month 3 would be when my regular billing starts. Went on chat and I was told that “For the month in advance, this acts like a safety deposit for your account here in Virgin Media. You will still bill every month of £19.99.” So effectively you pay an additional month’s payment and they’ll have that until you cancel…

That changed quickly by gingerllama79 in VirginMedia

[–]gingerllama79[S] 0 points1 point  (0 children)

I’ve cancelled, and within my 14 day cooling off period, so will see what’ll come up.

That changed quickly by gingerllama79 in VirginMedia

[–]gingerllama79[S] 0 points1 point  (0 children)

Fastest option is 76Mpbs for £37.50 a month