Buddsy
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Posts posted by Buddsy
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Hi all
Id be interested on thoughts on this especially from someone with banking/legal experience... @andydclements 🙂
Ive had a couple of mortgages with Norwich & Peterborough Building Society since 1998. Never missed a payment.
Few years back they got taken over by Yorkshire Bank
When I moved to my current home in 2006 I fixed my rate for 10 years. When that ended in 2016 I fixed again for 10 years until 2026.
Yesterday I had a letter from N&P saying "Your N&P mortgage product will end on May 1st 2021" "As we no longer offer N&P products" "You can remortgage to Yorkshire Bank"
This is the first I've heard that my mortgage will close.
To my mind taking out a mortgage I have a contract which works both ways. If I didn't follow one of their conditions i would be subject to a whole range of fees and charges. So to my mind they seemed to have broken my contract.
Im sure they have legal small print to say they can do what they will but this just doesn't seem fair or right to me.
Obviously I will not be remortgaging with them and already have found a better deal which should save me some money but still seems a bit rich to me.
Just wondering if anyone had thoughts on the matter?
buddsy
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Hi welcome to the forum!
Good luck with the search
buddsy
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Nice one! Good luck with the car!
buddsy
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I do like Humpty Dumpty beer!
Its almost easier to brew strong. Im thinking about a fairly strong Belgium beer next or a wheat beer.
buddsy
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I know a chap who sometimes had to buy rabbits from the local pet store for his python...had to go through all the gumph about how to look after and care fr it!
buddsy
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11 minutes ago, pete said:
Easy to look after and definitely lazy. In the winter need a coat as they feel the cold.
Forgot, they chase cats
Nice one thanks for the confirmation!
buddsy
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30 minutes ago, andydclements said:
The exercise regime for one will be noticeably more than the average dog
I had originally thought that but they are (so I understand) call the worlds fastest couch potato. I think they need one good sprint out but I could be wrong?
They seem pretty chilled and dont really bark. My mate has a whippet which is a nice little thing. Boy that can bring a ball back to you just as soon as you've thrown it!
buddsy
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Over the lock down I been spending time over at another forum! Sorry to say but yes I joined a home brew forum.
Been really enjoying brewing beer and wine and have had so much booze over Xmas.
Im brewing a hoppy golden ale tomorrow.
My malt is from Crisp malting who are at near Stratton Motor co and Chinook hops from the USA.
I made a IPA which was nice but a bit strong @ 7.5%.
A Czech Pilsner which was nice and a Irish Stout witch was also nice but only 3.5%
buddsy
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Ive been looking at re-homing a Greyhound as a family pet.
Anyone else done this? Seems a popular route for getting dog.
Any recommendation for things to consider.
Insurance policies worth looking at?
Thanks
buddsy
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On 25/01/2021 at 19:14, RobinB5 said:
Wonder how well informed this render from a few months ago will turn out to have been:
Half my bloody reg plate!
buddsy
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Hi welcome to the forum.
buddsy
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Im not sure what I think about this really.
I like the Scottish and love the country. I do understand their pride of being Scottish. I cheers for their sports men and women but a little love back sometimes wouldnt go a miss. Always hell bent on supporting any team other than the English it seems.
Maybe the real problem is London is just too big for the Union as a whole. Everything is so London centric. Maybe if politics, jobs, culture was spread out much more evenly across the UK it would be better for everyone. If we could push for other cities to become much more equal to London it would be better for every one.
buddsy
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Do we have any Swiss members here?
Im just wondering which way their referendum to strip their Government of Legal powers to introduce lockdowns or to curtail public life will go?
Swiss referendum to Strip Gov of lockdown powers.
buddsy
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Can anyone tell me if this is true information?
cheers love you all.
buddsy
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7 minutes ago, scotty435 said:
Imagine what the Uk covid death toll would be if we hadn’t had the lockdowns?
Unthinkable.
The same but with less suicide and cancer fatalities?
buddsy
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On 23/01/2021 at 10:23, march said:...and followed the rules/guidelines religiously.
Very sorry to hear of your loss.
Do you know how he caught it then?
Despite what many may think of me Im not a Covid denier. I am a skeptic of the lock downs.
One of my friends who has it was seriously OCD before this started. Cleans everything all the time many times over. He done the whole social distance and mask thing so how did he get it?
I have a relative who had a brain tumor before Xmas. Hes in the Royal London and has been waiting for brain surgery. Due to his high blood pressure they have to wait. Hes very unwell. He cant talk, eat or walk but can understand. He was being tested twice weekly and has now tested positive for it. Despite being extremely weak he has no ill effects of the Covid. Its very likely he may die during surgery. In which case he will be classed as a Covid death. Despite the Covid not being an issue to him.
So if a person cant be kept safe from Covid in a top London hospital I dont see anyone having a chance of not catching it in wider society.
Luckily even Handcock has realised the fact that the ONS reporting the number of people who have died of covid-19 (have tested positive and died within 28 days of testing positive) has to be wrong.
@Kimbers I know as a Special you must be frightened but the police should be on the side of the people. Their actions at present I feel are very close to be taking our country in a very dangerous direction. There are many cases the police have been overstepping their jurisdiction. Luckily these police men and women are being brought to bear for their crimes.
buddsy
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Over the last couple of months Ive been jazzing up my garage.
I was so sick working on the Esprit under a dim single bulb I started by painting the ceiling and fitting a couple of LED tube lights.
Over the lockdown I managed to squeeze in time to make a new smaller work bench. Ive fitted a sink and air line for my compressor. I bought a couple of new tools boxes for all my tools. Today I hung the couple of prints classic team gave me plus one from Mr Mountain!
I have been working on my brakes and its been so much nicer working out there.
buddsy
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6 minutes ago, scotty435 said:
I do not know or dare to know what it would convince you change your mind.
Guess Im lucky I live in a part of the world where its not prevalent.
buddsy
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On 21/01/2021 at 14:48, red vtec said:
Thanks for the feed back.
yes thats how they are from factory. I was looking at the plenums on Ferraris for inspiration.
Do they do they have them un-painted? All I could find on google was painted red ones...just like an esprit 🙂
buddsy
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7 minutes ago, Dan E said:
@Buddsy I am going to call you out on this. Have you watched the news or known anyone personally that has died of this?
I guess not, I have and I can tell you it isn’t pleasant in fact it is tragic. So are you going to have the vaccine?
Sorry no I dont watch the news
Sorry no I only know a few people who I work with who had it over Xmas. Oh and Kimbers
Taking the vaccine..Now I know youre taking the mick!
buddsy
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5 hours ago, Kimbers said:
You would be shocked by how many people are breaking the rules constantly. Walking with 2 other people from outside their household,
Every time I see groups of old ladies or friends walking around together my heart is lifted a little and inside I give them a salute or a thumbs up.
Ive written to my MP 4 times telling her I do not consent nor do I appreciate these lock downs and I will not be voting Tory next election. Shes been pretty apologetic about it...luckily it turns out her husband shares the same views as I do on the subject! Actually seems a fairly decent part of Boris's MPs do too and have been telling him to end them.
I see the movement of mass opening restaurants and pubs on the 31st January seems to be gaining pace. I do hope so but we will see.
buddsy
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Hi welcome to the forum.
Your V6 looks amazing!
buddsy
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Mortgage legal advice
in General Chat
Posted
Thanks for the comments chaps. Great info @andydclements I knew you would have some insight. 🙂
I will go back and check my paperwork.
buddsy