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papag

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About papag

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  1. If you are on facebook join the I hate the bbc group loads on there giving information on how to legally ditch the fee.
  2. Social media, everyone needs to look beautiful nowadays and then pose with a glass of wine standing in some exotic venue or next to their new PCP car to show everyone what a great life they are having on their credit cards.
  3. Yep I know but maybe there are ways and means of getting around the rules , the Labour MP for Derby may give some guidance on moving around the rules .
  4. papag

    Persimmon Quality Homes

    God knows what the Electrics Plumbing etc are like the poor young kids that have been sucked into help to buy etc will be in negative equity for years to come. How have they been allowed to build such crap where were the building inspectors etc ? or were brown envelopes in action again
  5. Some quality building here maybe a few corners were cut to help the bonus structure
  6. papag

    Close Brothers Savings?

    Think this is a typo or scam, they have never offered for years any interest rates like that on fixed rate bonds if they did they would be absolutely swamped , best on offer now is 2.6% on a 5 year deal which is virtually market leading with them. they are also competitive on 2 or 3 year ones, I deal with them and have yet to ever have an issue they pay interest on time and return your cash to nominated bank at the end of the term and are covered by the 85 k UK guarantee .
  7. Dont think anybody will be surprised by this , HTB Gov intentions were to prop up the ponzi housing scheme so that everyone believed we had a strong booming economy, oh and nearly forgot to boost the bonus's of Chief Execs and on both counts its been a massive success.
  8. The main reasons are the three Ds Debt Divorce and Death.
  9. I know people will say if you are on Working Tax Credit or Child Tax Credit you shouldn't really be able to save £50 a month, but if you can or maybe your partner can fund it for you which love it or hate it loads will do, and you want a tax free bonus of £1200 pile in . https://www.tax.service.gov.uk/help-to-save/about-help-to-save
  10. papag

    9.5 Billion in Stamp Duty

    Just goes to show/ highlight the revenue raised from just from one part of the housing equation and underlines why the ramping will continue by government / Vi's for ever.
  11. http://www.dailymail.co.uk/news/article-5596817/Stamp-duty-swells-9-5bn-second-homes-hit.html
  12. Listening in to a conversation on Saturday young people were discussing porting a mortgage to a new build they had bought they asked on first application if the existing mortgage was portable if they ever moved which it was, the trouble is the were not informed of a fee of 4k was attached to port, cutting to the chase the few who were discussing it agreed the whole industry was crooked and renting was seen as the only way forward. So if this is the general feeling of our younger generation its downhill for the banks /builders etc.
  13. papag

    30% pay rises for NHS workers.

    Cant afford it tho were having to go to food banks now after the treatment, well after our New York trip then a couple of weeks in Aus
  14. papag

    30% pay rises for NHS workers.

    Wife got a bill of £90 today for a check up, the dentist insisted she then saw the hygienist who cleaned her teeth and polished them in what she called a double session. It seems common practice now that this happens, where before the dentist did the check up and clean the hygienist charge is not on the NHS so everyone now pays even our friends from abroad .
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