Sarnie

Guess where I'll be at 12:01am tonight?

370z

Very nice Needs spacers desperately though..........................

Yeah I know them, used to drive past there when I used to drive into Redditch. To be fair they usually had some decent stuff in there. I'd do as RT says and tell them that you want them to cover the difference in your asking price and what the other guy wants to pay. If he pulls out, tell them you want and expect a full refund, if not you'll be reporting it to trading standards and the local press! Most companies would not want this sort of this to leak out to the local population as it could be massively detrimental to their reputation.....

You would hope that it means that a HPI has been carried out and that the car is clean (which it's not) and if its not you should be indemnified from any loss. Do you have a copy of the hpi certificate that the dealer did when you bought it? I assume the car was not advertised as cat D? Do you have a copy of the advert? If it wasn't you should have a very strong case for a refund!

Maybe the £6,500 is the amount it takes off your cars value if you fit it?

where the **** did Hulkenburg pull that from???

Don't forget, that you have to pay tax on anything you make above the monthly interest NOT the total monthly payment.................so breaking even (assuming your on a repayment mortgage) actually means you will have a tax liability......

Nice

Four doors? Rear seats??

is it exhaust based? would a different exhaust and filter improve it? Its more of a rattly, tinny engine noise rather than an exhaust noise. IMO a different exhaust wouldn't massively alter the type of sound that much. It's a shame as it's one of the biggest let downs with the car. I really enjoyed ours and even made a grand on it when we sold it

The M3 rasp is ****ing annoying......

I have PI cover don't worry

POWER EXTREME!!!!

If you can keep your house and rent it out then do it, let someone else pay off your mortgage for you However, there are things that you will need to consider. The first one is; can you afford to pay two mortgages if you can't rent out the original property? If no, then its a very risky business. The second thing is; can you get a second mortgage? From a lenders point of view they will deduct the monthly mortgage payment from your income when assessing affordability. If what's left is not enough then they will decline you. However, if prove that it is self funding then it should be ok. Also, if you don't sell your property, do you have a deposit to put down on the new property? Legally speaking, your are supposed to inform the lender that you are renting out the property. They are within their rights to insist that you transfer to a BTL product meaning higher rates and most importantly, that you ensure that there is 25% equity in the property, if there isn't already. However, if you didn't inform them, they would never know, unless you started defaulting on the mortgage because the property was empty. Once it got to that stage, there would be no sympathy from the lender as you had breached your terms and conditions. if you need some specific figures, just let me know

Women drivers; keeping bodyshops and wheel refurbishers in business.

I don't think you have a choice given your line of work I see you as a less pale version of this What, uber cool?

Defo M3, although I don't think they are directly comparible......

I agree to a certain extent. Sometimes there are just too many hoops to jump through. It's a buyers market at the moment and these FTB schemes are designed purely with people with who have next to no deposit in mind. The only people really benefiting are the builders, think about it, why would they give people a 15% interest free loan??? It smacks of desperation imo. You would still have 95% secured against the property, and at current market trends, could easily become negative equity within 3 or 4 months. Then you try and sell it and realise that the builder sold it to you above what other comparible properties are selling for and you'll find yourself marooned, so that 95% has now become 110% and it's going to cost you to get rid of it. The best bet is to try to save a regular deposit, this will give you the entire market to choose from and put you in a much stronger position when you do actually cometo buy.

The ones im looking at allow you to purchase for 5% down, and you own 100% of the house - but have to pay back the 15% loan they give you within a certain time. And even if they do change some interest on the loan, i should be better off paying that rather than the £600pcm in rent i pay now, for which im getting nothing in return. There are so many pitfalls of these schemes, they ringfence you in so that you buy one of their overpriced properties with no room for negotiation, use their mortgage advisor who sticks you on a nice high rate product that pays them a fat wedge, use their solicitors that charge the earth etc etc Just make sure you go into anything with your eyes fully wide open and not mesmerised by the showhome......

Don't forget that you will still need a 10-15% deposit for your half of a shared ownership property e.g on a £180k house 50% = £90k and therefore 10-15% of £90k is £9k-£13.5k..................................plus you will pay rent to the housing association on the other 50%that you don't own...

AVOID

Congrats matey