Sarnie

I hope so. I keep having thoughts of keeping the zed and the money in the bank

I feel like i'm losing a body part tomorrow

I have found two but just can't split them

I feel emotional. I really don't want to sell. I've even considered not selling but I can't afford to keep both as the zed is the deposit

Car goes tomorrow :cry: :cry: :cry: :cry:

mate Your zed is sick. As the kids say

I am sorry but I have to support Pingu with this exact point. There is someone on PH where the CPS turned up in court with the print out of his posts! It was all about trying to undermine your credibility as a witness. Be very careful about what gets out in to the public domain! Glen Well im buggered then as every post i write is a load of shite Agreed.

He'll be using a panel of lenders, maybe 10 or 12, that pay him enhanced comm for using their panel. Using such a panel will mean limited advice as he is only using a limited amount of lenders from which to give you advice.

...and these people will be trying to sort their own mortgages on t'internet! Exactly mate, not everyone is as clued up as people on here. There are unscrupulous companies out there who will charge a fortune for their services. A pal of mine charges £3995

Yes mate we can count beans together Drop me a PM when your ready mate

I am FSA qualified and used to work as a financial advisor. My experience of this industry is that a broker will sell you the product that is best for him, in terms of commission and bonuses, and not the product that is best for you. We used to get incentivised promotions through from certain companies for selling one particular product over another so of course if your interested in earning money thats the product that you push. To be honest I don't see the need to employ a middle man these days when it's so easy to shop around with the internet etc and the high street banks practically giving money away ! Dan, I made your last point recently, but sarnie did point out to be fair that he had access to a greater range of products than I (for example) could get to through say fool.co.uk and also might get a better rate (which presumably would be passed to the end-user?) But for straightforward advances with no CCJ history, reasonable mortgaged percentage of property value etc, I think the internet is hard to beat personally Isn't this how folk with an eye on the most competitive rates end up tied into products or with huge redemption penalties? Its like doing your own conveyancing - if you f@ck it up who do you sue? No not really, it's a starting point and you are in a better position (with no baggage or targets if you like) to make an informed decision by asking the right questions. All the site is doing is putting you in touch with a likely provider direct - and you take it from there. Yes Dorian but what your getting is tied advice. What that means is that any lender can only give information on their products and no one elses. Therefore their advice is limited. Also they will only give you the answers to the questions you ask. Legally they are not 'allowed' to advise you in anyway shape or form. If they were to give you advice then they would have to give 'whole of market' advice and would therefore 8 out of 10 times would be advising you go to another bank as they have a better product! Are they going to do that? NO. If you don't ask about something eg Is the mortgage portable? Then when you want to move house and find that you've got to pay a whopping penalty then there is no come back as they have given you an 'Information Only' service. I, on the other hand, am completely independant and can legally advise on the whole of the market and not just a range of products from one lender The internet sites are a load of tosh really too. How can a top 10 table be formed when there are over 28000 different mortgage products to choose from. Someone like Halifax will have about 800 products on their own Also if you think that these comparison sites are 'independant' then think again. The site will get a referral fee from the lenders that subscribe to be placed on their tables

Who is the mortgage with as a lot companies offer identicle products, one will have free legals one will pay cashback of about £250 towards the cost of using your own legals

That's been my experience to date! Am out of my discount period and the other half of the deal is fixed. But they won't let me have another product or merge it into one product resulting in me being on their standard variable rate. Which is roughly equal to f@7king expensive. Oh, and it wipes out the benefit of the discount in the 6 months I'm stuck. Well constructed Mr Mortgage advisor! They should let you move in onto another product but the problem you will have is that your tie in periods will never be in sync unless you stay on the SVR till untill your fixed rate ends on your sub account.

Should of came to an expert The key to me doing well is constant communication between myself and the client, mistakes happen but as long as your proactive and efficient its usually good. People like to know that things are being done and that the people doing it know what they are doing

Link?

Sounds very medevil

SHERIFF????????????????????????????????? Do you live in Texas??

cool..... has she got any nice mates...........!! Lots Unfortunatly i've no back seats so we will be alone bring one of her pals and shove her in the boot....................!! there will be a nice kuro zed waiting at the hotel........ Be a gent and go pick her up

Yeah yeah, we know you arnt the Zen master but more the little bonsai youre on form tonight ill give ya that. sh!t forgot to call you about tomo night Ill give ya a bell tomo lunchtime sorry mate Louis has a girlfriend, leave him alone

may be Stueys problem PMSL Okay here the solution to everything: Adam: come to England ill hook you up with a nice London totty (everyone knows us londoners have the best accents in the UK, the more north you go the more they sound like they are whinging, trust me I spoke to Liam Z and pi**ed myself laughing ) Stuey: Ill introduce you to my cousin Ill take her to a meet, she needs to meet a decent bloke and as far as Im concerned if you got a 350z you are decent enough Nixy: The 350z community will send you to pole dancing lessons, to bring the youth back into those limbs of yours Sl114: You crack me up I have much to learn lol Sarnie: A lambo wont compensate for your lack of personality but dont worry, we will work on that at cage rage lol Hope that helps my office is open during all hours should you lot need advice lol Joker

Nah thats about 5:30 usually although I can never work out what i do till that time

And the main reason I sold mine on. Someone posted a guide to remove the bumper which seemed easy after a bottle of wine. Not so easy sober

Thats good to know! . I heard he used to redline it all the time. Especially when cold. And never checked the oil or water levels. And ran it on 95 ron petrol

There is a 7am as well as a 7pm????