HomeDog ForumLog inRegister
Similar topics
Latest topics
» Hello
Wed Jun 28, 2017 10:17 pm by Lorz

» HAPPY CHRISTMAS
Tue Jan 17, 2017 7:11 pm by BrenA

» Billy The 8 Day Old Kitten
Fri Oct 28, 2016 9:42 pm by ladykati

» Fitzlandia ( Fan Forum)
Fri Oct 28, 2016 9:31 pm by ladykati

» HELLO
Wed Oct 12, 2016 10:57 pm by Lorz

» Latest piccies of my lot!
Thu Sep 01, 2016 12:34 am by Lorz

» Mickey & Keira Today
Mon Aug 01, 2016 6:30 pm by BrenA

» Hello
Mon Aug 01, 2016 6:27 pm by BrenA

» Bren
Sun Jun 05, 2016 8:44 pm by BrenA

» where is Bren then?
Fri May 13, 2016 1:08 pm by BrenA

» Jude
Wed May 11, 2016 8:00 pm by BrenA

» Hi
Wed May 11, 2016 5:51 pm by BrenA

» catch up!
Tue Feb 23, 2016 5:12 pm by SuzieB

» Bren
Wed Feb 03, 2016 4:56 am by Sandra

» Sam
Wed Feb 03, 2016 4:55 am by Sandra

» His Lordship
Wed Feb 03, 2016 4:54 am by Sandra

Congratulations

WELCOME TO DOGTALK COME IN AND JOIN THE FUN, WE DON'T BITE............
BUBBLES
Bubbles Has Been Moved
To THE New Games
Section, Under
Shelley's Loose Lips
xxxxxxxxxxxxxx
Who is online?
In total there are 2 users online :: 0 Registered, 0 Hidden and 2 Guests

None

Most users ever online was 72 on Thu Jan 02, 2014 8:13 pm
August 2017
MonTueWedThuFriSatSun
 123456
78910111213
14151617181920
21222324252627
28293031   
CalendarCalendar
Top posters
fredsmum
 
Sandra
 
liverbird
 
Judes
 
BrenA
 
GR8GSD
 
SUMMER
 
Paula
 
Lainee
 
slynico
 
Statistics
We have 487 registered users
The newest registered user is ladykati

Our users have posted a total of 144419 messages in 10072 subjects

Share | 
 

 I've decided ....

View previous topic View next topic Go down 
Go to page : 1, 2, 3  Next
AuthorMessage
fredsmum
Admin
Admin
avatar

Female
Number of posts : 31916
Age : 42
Location : posh part of derby
Rep : 48
Points : 33502
Registration date : 2008-12-28

PostSubject: I've decided ....   Wed Nov 13, 2013 12:44 pm

To put the fish tank up for sale today

I didn't really want too but it's for the best, it'll be easier when We move and a lot less hassle


That's if our money ever comes through... Our mortgage in principal runs out in end of November .... My stomach is constantly in knots

_________________


~The dog is a gentleman! I hope to go to his heaven, not man's~
Back to top Go down
http://www.shelleyisgod.com
Lorz

avatar

Female
Number of posts : 3165
Rep : 22
Points : 6789
Registration date : 2009-09-21

PostSubject: Re: I've decided ....   Wed Nov 13, 2013 1:27 pm

Sorry about your fish tank once you are settled could you not set up a new one??? Ever watched the programme called Tanked (I think that's what its called) its amazing  

Back to top Go down
fredsmum
Admin
Admin
avatar

Female
Number of posts : 31916
Age : 42
Location : posh part of derby
Rep : 48
Points : 33502
Registration date : 2008-12-28

PostSubject: Re: I've decided ....   Wed Nov 13, 2013 1:38 pm

I love that programe.... There's a couple ... Tank kings and tanked they're amazing

We might set up a new tank in time ... I love getting them from small and watching them grow

_________________


~The dog is a gentleman! I hope to go to his heaven, not man's~
Back to top Go down
http://www.shelleyisgod.com
BrenA

avatar

Female
Number of posts : 7503
Location : Stafford
Rep : 64
Points : 11040
Registration date : 2009-01-17

PostSubject: Re: I've decided ....   Wed Nov 13, 2013 9:14 pm

Awww thats a shame but like you said its probably for the best  
You dont want your fish all dying during the move  
Couldnt you give the fish away or sell them and keep the tank so atleast you have all the gear for when you want to get some more    
Moving fish sounds like such a nightmare
Back to top Go down
BrenA

avatar

Female
Number of posts : 7503
Location : Stafford
Rep : 64
Points : 11040
Registration date : 2009-01-17

PostSubject: Re: I've decided ....   Wed Nov 13, 2013 9:16 pm

   Have you had a mortgage offer   
They normally last for 3 - 6 months
An offer in principle isnt the same  
Back to top Go down
fredsmum
Admin
Admin
avatar

Female
Number of posts : 31916
Age : 42
Location : posh part of derby
Rep : 48
Points : 33502
Registration date : 2008-12-28

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 6:42 am

Nah feck it.. I'll get rid of the lot if I can lol!!! It's easier

Hmm so what's a mortgage in principal then and what's a mortgage offer....now I'm worried

_________________


~The dog is a gentleman! I hope to go to his heaven, not man's~
Back to top Go down
http://www.shelleyisgod.com
fredsmum
Admin
Admin
avatar

Female
Number of posts : 31916
Age : 42
Location : posh part of derby
Rep : 48
Points : 33502
Registration date : 2008-12-28

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 7:17 am

Just googled them .... The more I think about it, the more I don't think this is going to go through, I doubt we will even get a mortgage offer

The longer our money takes the harder it is getting

Have to be realistic and not get my hopes up anymore

_________________


~The dog is a gentleman! I hope to go to his heaven, not man's~
Back to top Go down
http://www.shelleyisgod.com
BrenA

avatar

Female
Number of posts : 7503
Location : Stafford
Rep : 64
Points : 11040
Registration date : 2009-01-17

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 11:38 am

Dont panic  

Have you used a mortgage advisor to arrange your mortgage   if yes then ring them up and ask what the situation is   If you have had a survey done on the property your buying then you will either get offered a mortgage or you will be advised why they wont give you one  
PM me if you want any other advice and dont want to put all your business on here  
Back to top Go down
fredsmum
Admin
Admin
avatar

Female
Number of posts : 31916
Age : 42
Location : posh part of derby
Rep : 48
Points : 33502
Registration date : 2008-12-28

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 11:46 am

Already panicking Hun

We've used a mortgage advisor, he's aware obviously that we can't sort the mortgage out until the money goes through, and he's also made a note and told the mortgage company this too (Santander, we already have our current mortgage with them too)
We get a free survey done with our mortgage company, but they don't do this until we get the mortgage

Grrrr  If this bloody money hurries up we can see where we stand and see what's happening, it's the not knowing that does it, and possibility of getting our hopes up for nothing

_________________


~The dog is a gentleman! I hope to go to his heaven, not man's~
Back to top Go down
http://www.shelleyisgod.com
BrenA

avatar

Female
Number of posts : 7503
Location : Stafford
Rep : 64
Points : 11040
Registration date : 2009-01-17

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 12:16 pm

  i see they have offered subject to survey but wont do the valuation until your deposit money is available   I get it now  
Back to top Go down
BrenA

avatar

Female
Number of posts : 7503
Location : Stafford
Rep : 64
Points : 11040
Registration date : 2009-01-17

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 12:16 pm

   
Back to top Go down
fredsmum
Admin
Admin
avatar

Female
Number of posts : 31916
Age : 42
Location : posh part of derby
Rep : 48
Points : 33502
Registration date : 2008-12-28

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 12:22 pm

That's right

Is that a bad thing

_________________


~The dog is a gentleman! I hope to go to his heaven, not man's~
Back to top Go down
http://www.shelleyisgod.com
fredsmum
Admin
Admin
avatar

Female
Number of posts : 31916
Age : 42
Location : posh part of derby
Rep : 48
Points : 33502
Registration date : 2008-12-28

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 12:41 pm

Can we get someone out to do a survey quicker than the mortgage people, to speed things up?, or would the mortgage company still send someone out!! ... Our buyers sent a surveyor out a week after putting their offer in

_________________


~The dog is a gentleman! I hope to go to his heaven, not man's~
Back to top Go down
http://www.shelleyisgod.com
BrenA

avatar

Female
Number of posts : 7503
Location : Stafford
Rep : 64
Points : 11040
Registration date : 2009-01-17

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 12:42 pm

  You ve just gone through your purchase the opposite way   As long as your deposit money comes through and the valuation is ok then there shouldnt be a problem  
I am assuming your solicitor has been carrying on with the purchase getting searches etc done   Have a word with your financial advisor if your money hasnt come through by next week and ask if your OIP can be extended   It may be that they will reoffer in principle but change the deal you were initially offered iykwim  
Back to top Go down
BrenA

avatar

Female
Number of posts : 7503
Location : Stafford
Rep : 64
Points : 11040
Registration date : 2009-01-17

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 12:46 pm

You can but it will cost you money and it will only benefit you if its a specialist survey like a homebuyers or structural   Dont go down that route unless you have to   its £500 - £1000

You will not get a mortgage offer until the lender (santander) have carried out their valuation survey The mortgage offer is based on this survey  
Back to top Go down
fredsmum
Admin
Admin
avatar

Female
Number of posts : 31916
Age : 42
Location : posh part of derby
Rep : 48
Points : 33502
Registration date : 2008-12-28

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 12:49 pm

Yes everything else has already been done searches etc   ... We've done all the necessary house tests asked of us, morning more has been mentioned about the indemnity, but we will just pay that if need be!! Just the money to wait for now!!
Our principal runs out about the 29th November approx

Ahh right... So it's just a matter of keeping everything crossed that it all falls into place then

It's out of my hands

_________________


~The dog is a gentleman! I hope to go to his heaven, not man's~
Back to top Go down
http://www.shelleyisgod.com
BrenA

avatar

Female
Number of posts : 7503
Location : Stafford
Rep : 64
Points : 11040
Registration date : 2009-01-17

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 12:56 pm

   Your money comes through but like i said if it isnt sorted by next week i would see if you can get the OIP extended  

  all goes ok and the cash comes through asap  
Back to top Go down
fredsmum
Admin
Admin
avatar

Female
Number of posts : 31916
Age : 42
Location : posh part of derby
Rep : 48
Points : 33502
Registration date : 2008-12-28

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 12:59 pm

The money is definitely guaranteed....but we thought we would have it by now... I will definitely get the OIP extended what will we have to do for that .... Will we have to produce pay statements and everything again

My mum is coming into some money this week or next.... I'm hoping and praying she will lend it to us if we haven't got ours but I don't think she will. I can see her being a bitch and not letting us have it, even if it is only for a week

_________________


~The dog is a gentleman! I hope to go to his heaven, not man's~
Back to top Go down
http://www.shelleyisgod.com
BrenA

avatar

Female
Number of posts : 7503
Location : Stafford
Rep : 64
Points : 11040
Registration date : 2009-01-17

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 1:16 pm

You would need to speak to your financial adviser Hopefully they may be able to extend it for another month without any problem  

Like i said i would probably wait until next week just incase your money comes through or you manage to borrow it off your mum  
Back to top Go down
BrenA

avatar

Female
Number of posts : 7503
Location : Stafford
Rep : 64
Points : 11040
Registration date : 2009-01-17

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 1:23 pm

You could always ask the financial adviser if you could continue with the mortgage application by paying the valuation survey fee yourself instead of getting it free   I know it means you will be shelling out cash but atleast you then wouldnt have to try extend the OIP They are normally about £200 for a basic valuation
Just a thought but you need to speak to your adviser whatever you decide  
Back to top Go down
fredsmum
Admin
Admin
avatar

Female
Number of posts : 31916
Age : 42
Location : posh part of derby
Rep : 48
Points : 33502
Registration date : 2008-12-28

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 1:38 pm

Hmmm now that is a thought ... It might be worth considering tbh ...£200 is nothing if it means speeding the mortgage application up!... I might pop into town tomorrow actually and have a word and get it sorted
Will feel a Bit better if I can do that!!!

I cant rely on my mum

_________________


~The dog is a gentleman! I hope to go to his heaven, not man's~
Back to top Go down
http://www.shelleyisgod.com
fredsmum
Admin
Admin
avatar

Female
Number of posts : 31916
Age : 42
Location : posh part of derby
Rep : 48
Points : 33502
Registration date : 2008-12-28

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 1:42 pm

Going to give him a ring now to see what he suggests

_________________


~The dog is a gentleman! I hope to go to his heaven, not man's~
Back to top Go down
http://www.shelleyisgod.com
BrenA

avatar

Female
Number of posts : 7503
Location : Stafford
Rep : 64
Points : 11040
Registration date : 2009-01-17

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 1:43 pm

  Thats what i would do  
Back to top Go down
fredsmum
Admin
Admin
avatar

Female
Number of posts : 31916
Age : 42
Location : posh part of derby
Rep : 48
Points : 33502
Registration date : 2008-12-28

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 1:49 pm

 

Just rang him and he can't tell me anything yet as there's a glitch on his Santander account ... He's got several cases with them and can only view three, one of them being ours so until he finds out what's happening there's not much he can tell us

It sounds like our our mortgage offer was accepted or something like that he said... And then went on to ask about the money, tried to look on the system and we weren't there, he's going to ring me back in a few hours, I asked him if this was bad news for us and he said no so we will wait and see  

_________________


~The dog is a gentleman! I hope to go to his heaven, not man's~
Back to top Go down
http://www.shelleyisgod.com
BrenA

avatar

Female
Number of posts : 7503
Location : Stafford
Rep : 64
Points : 11040
Registration date : 2009-01-17

PostSubject: Re: I've decided ....   Thu Nov 14, 2013 2:00 pm

  he gets back to you later today with some good news  
Back to top Go down
Sponsored content




PostSubject: Re: I've decided ....   

Back to top Go down
 
I've decided ....
View previous topic View next topic Back to top 
Page 1 of 3Go to page : 1, 2, 3  Next
 Similar topics
-
» Decided to try something new....
» Did I bomb on my nasturtiums?
» Someone decided he doesn't like to be brushed anymore...
» Got inspired, decided to buy raw material for a prod

Permissions in this forum:You cannot reply to topics in this forum
 :: Shelleys loose lipped Lounge :: General Chit Chat-
Jump to: