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House Price Crash Forum


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About DiscoDave

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    HPC Poster
  1. Many companies are wrong. Unless there is a lawful basis for holding the data you can't hold it, and 'was a customer' is not one. Being a bank is likely to work; being a 3rd party credit agency not regonised in law will fail fast and hard.
  2. The GDPR legislation is actually very good, but like any legislation needs case law to confirm application. In this case I think you could withdraw consent for the Credit Reference Agencies to hold your data, it may be that you need to withdraw consent from each, or alternatively that a loan which has been repaid to a bank you can demand they remove that data if the courts see the banks as a data controller and the agencies as data processors. Either way whilst possible it is required to keep a record of withdrawn consent, therefore they could simply refuse a loan to someone on that list, or more likely and almost certainly more legally if you remove your data you have no credit history and hence no ability to get credit. Seems like a good way to cut off your nose to spite your face, but maybe has a use if people want to cut themselves off?
  3. It's not just the Parish Council either http://www.bracknellnews.co.uk/news/15589850.Property_developers_in_the_town_accused_of_hiking_up_prices_through_land_grabbing/
  4. I've a new CAD PC with a couple of decent cards for mining Ethereum coming in the next day or so and with the profitability where it is figured even for a few quid a day it worth having a play. I've obviously been reading a lot online but do any of the gurus on here have recommendations for mining pools or mining software, there seem to be a few favourites but I know not to always trust what you find online (except on here obviously)
  5. It certainly seems like a bubble with crypto in general but I felt that before and have been proven wrong. BTC seems to be going backwards but Stratis and ETH are both interesting and getting interest. Does anyone have recommendation on how to buy in the UK with minimal fees and risk? I may avoid this run but would like to be setup for the future as there will be a future in crypto I am sure.
  6. Google is your friend http://webcache.googleusercontent.com/search?q=cache:ovBEiVCt_LEJ:www.kentonline.co.uk/ashford/news/baby-wipe-blockages-are-costing-121765/+&cd=1&hl=en&ct=clnk&gl=uk
  7. I quite like them actually, spending £4 more a bottle (compared to Lidl etc) is worth it if you're getting something you'll like and that doesn't mean it has to be expensive. The staff know their onions and I've often bought based on a taster. Highly recommend their definitions range as well for VFM. It would be a shame if they were to go away as barring a wine tasting or a vintner (more expensive) getting a decent bottle I'll like is hit and miss elsewhere.
  8. Try refreshing (press F5) rather than using a bookmark. Mine had issues with it being in he cache still
  9. I've obviously done some digging and I'm not sure it's an unfair term (legally speaking) just unusual in my experience. Section 11, Landlord and Tenant Act, 1985 states that it is the landlord's responsibility to keep in repair and proper working order the installations in the dwelling for the supply of water, gas, electricity and for sanitation (including basins, sinks, baths and sanitary conveniences) but not other fixtures, fittings and appliances for making use of the supply of water, gas or electricity, Gas fittings are covered elsewhere and must be maintained but electricals aren't in that act. There is the argument of it being electrically safe or not but assuming it's not just broken I'm not sure that's an argument. Interestingly absent a clause stating they will repair appliances landlords seem absolved of responsibility to do so. Given this I'm happy to be 'me' a new fridge (and ask the landlord what he wants doing with the broken one) but I'm not OK to buy them a new fridge, I'm just trying to gauge is anyone has had this before and where I stand.
  10. Thanks and normally I'd agree however they are decent landlords and I don't believe they're trying to screw me over, especially given they have offered to pay half which they don't have to per the contract. I suppose what I'm trying to understand is that with clauses like this where the appliance breaks through wear and tear, and is not economically repairable, if I buy a new one am I legally able to take it with me. Digging around Shelter seems to think (wrongly) that repairs are the responsibility of the landlord, whereas this is only if it's stated in the AST. Basically it seems 'reasonable' that buy a new one and get to keep it when I go but before I discuss it with them wanted to be clearer on precedent.
  11. We're renting out landlords house whilst they are out of the country for a few years therefore we have all the white goods however they're definitely 'lived in' and not particularly new This last week the fridge has broken down and looks to not be repairable, this is where the AST comes in, I had not noticed that we are responsible for the repair/replacement specifically as follows "Have the use of all appliances within the property as laid out in the inventory save those which are noted as not working. Should any items require repair or be beyond repair the Landlord does not undertake to pay for any costs of repair or to replace the appliances except those which the landlord is required by law to maintain" Whilst I'm broadly OK with getting a new fridge I presume that I then own that however it's not clear from the term above whether that's the case. To further complicate things our landlord has offered to pay half of any repair or replacement. My view is I'd share repair costs but to avoid confusion would pay for a new fridge myself and take it at the end of tenancy but what's the view on this forum?
  12. I really don't understand Crossrail and it's impact on prices. I was living in Maidenhead when it was first annouced, and Maidenhead was then to be the end of the line. The EAs were selling it as being a panacea however it seemed pointless to me. If I wanted to get across London would I sit on Corss rail for 45 mins into Paddington then across town OR get the 20 min fast train into Paddington and then change onto Crossrail. It seems if you hate changing trains that much you must pay a huge premium for the benefit.
  13. We're in our current place through thee guys. Landlord off abroad and decent agent they've used. Basically nothing to be afraid of just make sure that you get on with the agent as they tend to be a one man band
  14. Also won't the new S24 changes mean that the rent counts as income so knock out the entitlement to any tax credits and probably push her into the 40% bracket?
  15. Well that's the most tax efficient way to do it certainly but all of a sudden these 'investors' will get to encounter the joy that is corporate lending, and all of a sudden I suspect the sums won't add up.
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