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Everything posted by SwindonCrash

  1. This is an interesting thread that I have been watching for a few months now. What particuarly interests me in the above is the view with regards to schooling. I live in Old Walcot and have very recently studied the different schools within the catchment area. Lawns Primary isn't one of these and I agree that Lawns will command a higher value because Lawns Primary has better keystage 2 results than many others, while this continues the school will be attractive to all people around the area, including those in Park South, Park North, Walcot and Old Walcot, all of which are whole or in majority outside the Lawns Primary catchment area. Old Walcot itself is in the catchment area for 4 schools, Old Walcot is not restriced to Mountford Manor that is Walcot school, their is a choice for those n Old Walcot greater than Walcot school AKA Mountford Manor. Lanesmead is one school in the catchment area who's keystage 2 results aren't overly strong, however they are on an upward trend. Interestingly Lawns Primary has a lower percentage of children with special needs than the national average and that of all surrounding schools, is this a coincidence or is it a failing on behalf of the school to identify special needs within children, after all Lawns school is not restriced by admission exclusvely to Lawns, thus why should it be so different when it is less than half a mile away from Lanesmead and many others? The Lawns area is very similar in many respects to Old Walcot, however the real interest for me (being an Old Walcot resident) is why there is even consideration that an offer of £35K off asking price on Upham Road will be entertained? Schools alone aren't the reason for the higher asking prices in Lawns but it is a factor in it; the upshot of this is Lawns is just deemed a more attractive area than many others, but when considering this Lawns Primary will take children from all areas mentioned above and Lawns is just as close to a huge council area as Old Walcot is.
  2. This gets even better, the stupid cow has a blog going - read this (dated 21st December 08) I did get the new car, thanks to bank of Mum and Dad, who lent me £4800, then promptly dropped what I owed them by a grand and told me they dont want any money back until after christmas and then only what I can afford, so, if it's a fiver a week, it's a fiver a week. Which probably will be. OH has been put on short time. First off he had to owe back hours but now he's used all of those up because the place he works has been closed since last Friday for Xmas. He goes back to work on the 7th Jan. 26 days off work. My place is dead, but it usually is this time of year, but with the exchange rate against the euro how it is I am doubtful we will get the bumper January of old. As of when OH goes back he will be laid off one day a week. He's been told by his employers that he will lose £220 pm before tax so *WE* have decided that, with no personal loans and only CC debt that the first thing *WE* will do is tell the CC companies to go and make love to themselves until we can afford to pay them. Like OH said a few weeks ago, what can they do? Nothing. We dont want or need for anymore credit so they can poke it. And if they start getting ars*y and sending the debt to DCAs then I will play a nice game of requesting CCAs.
  3. Not that I'm desperate to buy as this crash has a long way to go yet, but frankly as a long time waiting FTB I'm getting slightly pissed off with seeing shite rates for 85% / 90% LTV mortgages. Yes I appreciate right now there is more to come off house prices so risk is being priced into rates (hoorah for risk) but for fuc*s sake how do they expect things are ever likely to recover when they try to charge the earth for a bast*** mortgage for a FTB???? We're far from struggling on affordability either - we're only looking for £135K whilst earning a combined £55K - less than X2.5 salary. I'm getting pissed off seeing this shit. It's no longer cheaper to rent and my landlord is a complete ars* too. Edit:Spelling
  4. If they hit £50K that miserable old cow will have to become a stripper.
  5. What a wan**r that bloke is, oohhh this drive will have enough space for 3 cars. Pure and utter cu**.
  6. Link from the BBC http://news.bbc.co.uk/1/hi/business/6386153.stm
  7. For the few non spotty college lay abouts you do, as for them, they'll be flipping burgers in McDonalds soon
  8. Another Private Equity buy out on the horizon then - Whittards and the Officers Clubs have already been sold. Xmas has come early for PE.
  9. Just spotted this on their website - seems they took a hit with Woolworths going down. http://www.zavvi.co.uk/customer-message/i....8A3EE1EEB1.app3
  10. Just heard on BBC News 24 - no link as yet. Any punts on the next retailer?
  11. Quite possibly, NO, in actual fact, the very worst post submitted on this forum. Well done to the OP for advising us that like the majority of the country those chaps who fill cash machines do indeed celebrate Xmas too. Did you hear about that newsagent at the end of your street. Closed for Xmas. Good god. Make sure you buy all the newspapers you'll need for Xmas TODAY!!!! I'll be sure to draw out loads of cash to see me over those few days when everything is closed, and everything that is open is sh**.
  12. Hit the nail on the head, I am able to confirm this as fact.
  13. Indeed sorry to hear that too IP. Shao Khan - The chattels are repossesable (yes, a new word I've just made up), if you don't maintain payments on your loan and the bailiffs come knocking there are certain things they can't take i.e. a bed, tools required to operate your occupation - but by and large most things can be taken, including furniture, but they do accept the fact that there is no point taking anything which will only make the fees associated with selling. Ask my ex and she'll confirm. Regards A
  14. The point made here was to ask the bank to confirm sufficient funds - not ask them to confirm what you're going to use the money for..........
  15. I've been reading the Dec 09 prediction poll with interest and it made me wonder, if you were to offer in the current market, knowing everything you do, and taking an educated guess at the rest, what % from asking price would you offer? Of most interest would be those who've recently done this, what sort of response (apart from sod off) did you get? Were there many people out there who were realistic about the prospect of prices going down as per your offer?
  16. The stupid bloke in that programme should be shot 70% his fault 30% the banks......... Anyway, for those interested in that auction the website is www.johnpye.co.uk Se you down there next week, I'll be wearing a red carnation
  17. A quick update for all those who took an interest in this. The council are coming around tomorrow to inspect the damp in the property. In preparation for their visit I thought I'd take everything off the walls and do a good inspection - in readiness to point out the very worst of the damp when they arrive! When doing this, I noticed a patch I'd not see before - right down by the skirting board. When touching the board it was wet and almost crumbled away in my fingers, then I noticed the black mould - further inspection led me to find random mould spots across the same wall. The wall in question is an exterior one and leads to the backyard, the back door is at a 90 degree angle to this. A few months ago I complained to the letting agent that water was coming in through the back door (foolishly hoping they'd give a sh**), anyway, an instantaneous response was provided over the phone which was the gutters must be blocked and water is overflowing, building up in the corner. The word were it was 'my' obligation to maintain the gutters so I should fix this immediately. Not caring too much for what they said I decided to pursue other battles with them, after all it was a tolerable problem to live with. Until, I realised this evening that the likelihood is this new patch of damp / mould was a direct result of the gutter overflowing. In a panic I decided to check the tenancy agreement, after all I shouldn't be doing too much complaining if 'I' have failed to maintain the gutters which caused the problem. So I quote from the tenancy agreement: - 'The Landlords repairing obligations are those defined in Section 11 of The landlord and Tenant Act 1985 and relate to:- (1) the outside of the property (2) the main structure of the property etc etc etc. So my question is, does the Landlord have a leg to stand on? I'm not normally a spiteful person, but I'm absolutely desperate for the council to declare it uninhabitable just so I can stick two fingers up at them, and then hopefully watch the house get repo'd. Bast****. A
  18. Morning all Contacted the Council yesterday who were all too keen to come around and take a look at the damp, appointment will be booked for sometime for next week. F****** LL, will regret being such an ar** over this, I'm sure. Thanks to all the posters A
  19. Morning everyone What's the current thoughts in Swindon? I'm not feeling it's going how I want! Take for example Old Walcot, I'm 'reliably' informed by many Swindon EA's that the place has a desirability factor, meaning it is effectively 'immune' to proce falls. Immune isn't a word I would use, as there have been marginal falls, but nothing to mention. PS - The Honda arrangement as I understand it is a condensed working one, where Honda itself will be shut on Mondays and the staffhave to fit their week into 4 days. Not sure if this is 100% correct as it would ultimately lead to the same amount of cars being produced. A
  20. Thanks to everyone for their replies. Some really useful advice - knew I could rely on the HPC'ers for it! A few of you have asked why we still stay here, the answer is simple really. When the prices come down to a realistic level which we are comfortable (and don't feel ripped off) paying we're hoping to buy. Many 'experts' and non experts have their own gut feel when we're going to get to somewhere near bottom and too I have my own feeling. Not within the next 12 months, perhaps start of 2010 (which I know is a long time off), but I'd REALLY not like to have to move again before this time. We've moved quite a lot in the last few years and now I want somewhere slightly more permanent on my address history before I start applying for a mortgage etc and struggle to recite all the different addresses I've lived at. On this subject too, I forgot to mention the guy at the letting agent who got all short with me yesterday is a local Swindon Conservative runner. Maybe I'll send all his shi*** emails to his rivals!! Off to work now
  21. Hi there In response to your question, yes it is an older house - built in the 1920's. Solid thick brick walls, absolutely freezing cold permanently. It's terraced. It's got both central heating and double glazing: 1. No, we don't have any children 2. We have a washer / dryer, but we don't use the dryer. 3. On occasions we dry clothes on a clothes horse in our spare room. The window is left permanently open for ventilation when the clothes are still wet, the bedroom door is closed. 4. We don't usually suffer at all from condensation 5. Yes heating intermittent, few hours in the morning and evening 6. Mould started at the back of the sofas, I is about 4 inches away from a wall, the other is in a bay window, but due to the bay being smaller than the sofa there is a large gap behind this of around 1 1/2 foot. The mould is now growing around the sides of the sofa, almost spreading. Thanks for your help.
  22. Thanks for this, it's a great help. A call to the council tomorrow it is. Thanks again
  23. Thanks. What sort of info do you need? Windows are left open during and after cooking, normally we shut the kitchen door too to keep any steam in the kitchen and heading out through the door. The mould on the sofa is spread across the whole back of both sofas, it's almost dusty and brushes off but needs to be cleaned very reguarly to keep it away, left for more than a few days and it will be back. In the corners of the rooms the damp is the worst, and also straight up through the middle of one wall where an old fireplace was, which has been bricked in. Paint is flicking off the walls, which has only been on there for less than a year, after the time the ceiling caved in on us.
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