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kat and andy

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About kat and andy

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    llandrindod wells
  1. hi paulokes, thanx, reasons for buying, we feel it maybe a more secure future. owning our own place. and being in a house better prospects for fostering, and where the house is better work prospects. if i go with the ocuncil in that area i will only be given a 1 bed flat, unless any one would be willing for a swap. and being able to afford, when we spoke to the bank, the repayments would be the same give or take a couple of £ as the rent we are paying now. ok its over 30 years but we get the chance with our bank to pay 10% more every year without charges anything more than the 10% then then there would be charges. we also been told fixed interest is better than variable. we have asked questions but honestly we dont know if we are asking the right questions or enough questions, this is why i have posted on here as we could hope to get more opinions and advice than just speaking to a few people locally or just the bank. even if we dont go through with it at this time, at least we will have information for future refence and more of an idea of the important questions we need to ask the bank. and thank you shiney for the link. the only reason i not gone to our local college for the child care is because of accessability, what i mean by this is, if there is not enough interest in the local area for this course, it will either be cancelled, or it will go to another powys college where there is enough interesnt in it. and with my partners work, he hasnt got fixed hours as he is in care. if i have to travel to newtown or brecon and be there for 9 am i owuld never ben there on time with the buses. and if he is in work, had a sleep in, i could end up missing on some of the course through not being able to get there mid morning. or later. the buses are only once an hour and it takes over an hour by bus to get to these places. but yes i will go and speak to someone to see if the course will be local. thank you kat
  2. I am sorry for my English, was never very good at it in school, and has gotten worse since I left. The problem with the computer is I use word more often than anything and that usually fills in the capitals and I am just used to that. The house we are looking at is in Rhondda Cynon Taff, part of the Rhondda Valleys in South Wales. I am originally from that area and I moved here for a quiet life. Witch I love, Im just not happy at staying in a flat any more. And it seems my partner would like to move back to near a city enviroment. I also hope, that in a house I may be able to go in for fofstering as I cant have my own children, so I would like to help children that need a family even if it is temporary. I will also be closer to better colleges to go in for a child care course so that I may go in to childminding. I have allready done a course for childminding and passed, but when i moved, to be honest I gave up trying to ring the right people after 6 months as they never got back to me. I left messages daily either on machines or with people as the right person wasnt in at the time I rang. We can get a 95% from our bank, we are with the same bank but my partner hasnt been with them as long as me. hes been with them for about 6 months and I been with them for around 10 maybe 11 years. how would we go about doing the dispute with the credit agency please? and sorry but cant see how the council pay for our lifestyle. my partner works, and we pay all our rent and council tax. no help. apart from working tax credits we dont get any other money other than wages. so sorry cant see through any sarcasm about the council paying for everything. thank you
  3. hi all, sorry if this is the wrong place, but need some advice on mortgages, me and my partner have found a 3 bed free hold house for 40,000. we spoke to estate agents it is under and have been told it is livable and is a reposession. we have spoken to the bank and there may be a possibility we can have a mortgage with them, the problem being a slightly bad credit history for my partner. not his fault, his ex ought things years ago under his name on hp and hes the one getting the letters for them, we have managed to get rid of a few by phoning and tlling them and giving them her last address. but there are a few that wont use the information he has given them. we even spoke to the police for advice on the matter as he hadnt known about 99% of the stuff but as we dont know for sure if she is still at the address he remembers they said they cant do anything. first time round they said they would look into it but we never heard anything back. the second time they said they couldnt do anything even tho it is classed as fraud. is there any where we can go to get enough for the mortgage, or is there still a chance the bank may still allow us to have one. as i dont work due to my back they said the mortgage would have to go into my partners name to get the 95% mortgage that we would need. any help and advice would be appreciated.
  4. hi all, sorry if this is the wrong place, but need some advice on mortgages, me and my partner have found a 3 bed free hold house for 40,000. we spoke to estate agents it is under and have been told it is livable and is a reposession. we have spoken to the bank and there may be a possibility we can have a mortgage with them, the problem being a slightly bad credit history for my partner. not his fault, his ex ought things years ago under his name on hp and hes the one getting the letters for them, we have managed to get rid of a few by phoning and tlling them and giving them her last address. but there are a few that wont use the information he has given them. we even spoke to the police for advice on the matter as he hadnt known about 99% of the stuff but as we dont know for sure if she is still at the address he remembers they said they cant do anything. first time round they said they would look into it but we never heard anything back. the second time they said they couldnt do anything even tho it is classed as fraud. is there any where we can go to get enough for the mortgage, or is there still a chance the bank may still allow us to have one. as i dont work due to my back they said the mortgage would have to go into my partners name to get the 95% mortgage that we would need. any hel[p and avise would be appreciated.
  5. the reason we are thinking of moving that far back down to where i originally lived is to find better work as there is nothing around here. unless we want to comute to that area or hereford or other places within a 100 mile radius that the job centre seems to gives us for local jobs? and i cant have kids unfortunately. and we would like to foster, and are not allowed in an upstairs flat, the reason being its upstairs and young children may fall down the stairs and with the oil tank in the garden there is not enough room for a child to play. and the plan is if we find somewhere, my mum may be able to helpw ith a job but my partner will stay if possible with his brother and come down to me once a week to find a job to replace the one he has. and with this house i would also be around the corner to a college where i may be able to go get some kind of qualification so that i could get a job myself where i aint going to be working with people that like to gaslight, and i will hopefully be able to find somethign that my back can cope with as i have had a bad back for almost 10 years, cant lift too much or bend but till work i can do. and being that close to a college and a number of other colleges i could do child care and maybe get work in nurserys. and the dog thing. not my fault we should only have 1. my sister in law had a baby in december and it seems teh baby was allergic to her. he kept coming out in a rash, and we had her temporarily until a new home could be found but as she is approx 10 yrs old no one seemed to want her. k and a
  6. hi all. i will apologise in advance for waffling on. me and my partner would like to move. we have seen a house for rent, but as it is private, its going to cost £280 more a month just on the rent let alone anything else. to put it bluntly we are living in a 2 bed flat that we rent from the local council, and the flat, basically. is really not what we want. we will have a problem getting a house as it is just the 2 of us from the council. i read a post about haggling on the rent. honestly, i wouldnt know what i am looking for to try and haggle. the main question tho that i need to ask, is would there be any help entitlement either from job centre or council towards paying the rent. we need as well as want to move. i have not long come back from house sitting for a friend, and for some reason depression is sinking in cos i am back in a not so small flat. and i just dont feel as happy here. bad thing as my partner wanted to move down towards city life and i was weary and wanted to stay in peace and quiet country life. now i feel health (depression) may be at risk for myself as i have plans that i would like to do, and cant do them here. worse of all. we spoke recently saying that if we were actually downstairs where we would have a back door to open into a graden to kick the dogs into when they get under out feet. yes we have a garden, less than half the size of the downstairs garden with a large 1000 litre oil tank sitting in the middle. not much room for 2 dogs to run around. cant plant anything as aparently, they are a fire hazard due to the oil tank witch doesnt leave much room as to where i can plant anything due to the bottom end of the garden getting boggy in the winter from the water coming down from the farmers field behind. i tried to get rent off because of having an "oil storage" for a gadren but the coucil didnt see it this way. we would both be very greatful for any hints, tips pr advice that any of you are able to offer please. thanx all k and a
  7. yes i did mean per month, cant remember the exact amount but i know its close to that kat
  8. what is rent to buy, it was explained to me as you pay a rent to be able to buy the property and not have to get amortagge and pay the interest rates. is there such a thing, and if there is would any body know how we would go about finding out if there is anything like this in our area. thanx
  9. hi all, i have friends who have rented their place form a farmer, and their council tax is close to £2000 a month. some one mentioned that it sounds like they might be paying the actual farmers council tax as well, is this possible as i think the farmer lives more or less on his land as well as he had the 2 houses his and one near the barns, (assuming the second house would have usually been rented to farm hands) and even tho is is farm land with a view this council tax price per months seems rather steep. they are also playing around £500 rent a month, and the house needs work, maybe even windows replaced as they are still wooden and not pvc. they dont pay water as heir water is suplied from a water well somewhere on the property, im not sure exactly what work needs to be done but they have said that they have told him, and the estate agents they are under that these things needs doing and he still hasnt done them, the one thing that needs doing and has needed it for nearly a year is the front door is two panels of glass, and druing a storm they lost the bottom panel of glass, and it is now only boarded up, up until about 2 months ago there was just a black bag taped over the hole, and they cant see why they should pay to fix it whne they are paying rent. any suggestions please
  10. i would say lazy is the norm for most kids these days. i have a neighbour who asked her 12 yr old niece what she was gonna do when she grew up, and the reply, very shocking i thought for a 12 yr old imature girl was that she was going to get pregnant and get a house off the council and live off benefits. both my and my neighbours mouths almost hit the floor at this reply. i will be honest i dont work, i would like to but i have a bad back and a weakness in my right knee, have had it for years (10 yrs come october) and where we live theres isnt a lot of choice for jobs, but when we need the extra money i do look for a temporary job where i know i could manage it for a week or so if theres any going, waiting to here form one of the local taxi firms at presnt, being sit down on phones im hoping it can be a more permanent job, as tehre wont be any heavy lifting. yes i am expecting something when my grand[arents go but honestly, id rather they stayed than get the money, i just wish house prices were the same now as when they bought theirs (£3000 i think i was told my nan paid for her 4 bed house, but that was about 40 years ago lol) maybe you could do what my dad done to me, i wanted to train as a hairdresser, and wanted to work in a salon, unfortunaetly i didnt get a choice and my dad enrol,ed me into college. and to pay for my hair and beauty kit i worked from 6am to 8am, started college at 9am finished at 4pm started work in a local co op at 5pm and finished at 10pm when they closed. by the tiem i got home had something to eat, showered and got everything ready for the next day id be lucky to get 2 hours sleep a night, on sundays a refused to get out of bed until 11 and then id have a bit of fun adn go play bingo with an uncle at the local ex service mans club he was a memeber of, my bit of fun for the week lol then start all over again, unless of course i was asked to do over time in my morning job and would usually end up working from between 10 pm and 12 am sunday/monday till 8am monday. or you could do as a friends parents done, and that was get a job or get out. as it turned out she had to get a job cos there was much too long a waiting list for a council place and obviously there was no money to go private and her parents werent willing to help her out cos if they fished her out of problems she wouldnt learn from her mistakes. a cousin of mine, has parents with money and they have never given hand outs as they call it to their children and both have got their own homes and one owns their own comapny and the other i think is a manager where she is working. ok gonna stop rambling now i seem to be doing that a lot lately lol
  11. hi all, i am new here, and did use introductions earlier, and sorry if this is the wrong place, but was just wondering, where you are on about haggling on rent is this for private only or oculd it be done with the council? also quick question for my sister in law, could she have a word with the estate agents about a lower rent due to fact that there are problems with the house. right back to my reason for asking, we are paying rent for a 2 bedroomed first floor flat, with garden, the problem, our garden is half the size of the neighbours downstairs, and i cant exactly use the garden for much any way would like to be able to put the dogs in the garden on nice days so i stopped falling over them lol. and believe it or not ,my garden is not really big enough for 2 dogs, the reason for this is because (being in the heart of wales and no mains gas supply) we have a huge 1000 litre oil tank almost middle of the garden, they refused to put it where i wanted it and put it in a very awkward place and due to health and saftey i cant grow anything round it any way (apparently plants are a fire hazard) would i be able to ask for a slightly lower rent even if its £20 a month because the way i see it its not a garden its a oil storage and i dont htink the council would agree to move the tank to a more convenient place. are there any suggestions that any one could give that would either get the oil tank moved so that i may have a chance at using the garden or rent lowered because i cant use it the way it us now. sorry again if this is the wrong place wasnt sure as it was on the same lines if i should start a new thread or not. and could i be cheeky and ask for pms on this as i dont know my way around the forum properly yet. thanx all kat and andy
  12. hi all, me and my partner has been advised to come on to this site as we are thinking of of buying, but to be completely honest we dont have a clue where to start etc, and we were told we might be able to pick up some tips from all you nice people. the main problem we have is that we quite picky cos the thing is if i wanted to look out of my living room window at next doors brick wall i wouldnt have moved from cardiff to mid wales. as i moved more for the views as well as other things. we found a lovely little bungalow with a small summer house (would be great for my crafting lol) but when we spoke to the bank we found due to income we would only be allowed a third for a mortgage of what the bungalows asking price is. but with no savings to our names we decided to think about looking else where, but the only things just out of price range are in the middle of estates, like i said we picky lol. and when my partner asked about any hints, tips, tricks of the trade on his forum we were advised to come here as you are all very knowledgable, and would probaly be able to offer us some advise on what to look for etc and maybe some tips on saving as well so we can get a decent deposit together. i realise that right now would probably be a bad time to buy due to prices going down. and maye this would help us in a couple of years with maybe not needed so much of a deposit. but if im honest im fed up of living in a small council flat, and im also trying to think of our pets, as we have 2 dogs and 3 cats. and not much of a graden for the dogs to go into, actually i would say the garden we do have would be to small for both dogs to be in there at the same time, not being the only problem the one we got is like tigger on acid and jumps over the hedge into the downstairs flats garden. we also agreed that if we were downstairs we probably wouldnt be thinking about this yet as they have a back door leading into their garden witch is about twice the size of ours. ok gonna stop rambling now. and any tips you can give us about this we would be very grateful. thanx kat and andy
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