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rhowe

Member since Jul 2008 • Last active Sep 2014

Most recent activity

  • in Miscellaneous & Meaningless
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    Also I claimed additional income in the form of a discretionary annual bonus at work, which has always been paid at around the same level. They haven't (yet) asked to see evidence of that, but who knows what random crazy request they'll come up with next.
    My impressions so far are that it's all really lax and full of arbitrary requirements which make no sense.

  • in Miscellaneous & Meaningless
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    @rhowe

    how many months/years bank statements did you have to provide the mortgage company? I've been notoriously bad with money in the past and I'm a bit worried about that.

    1 month, although their requirements were really bizarre.

    They wanted a full month's statement and my most recent payslip. I took that to mean my last monthly statement, which ran 28th to 28th or so and my last payslip which was paid in on the 30th after the end of my last bank statement.

    So, sent those and they said they needed to see my pay going in on the statement. I said that would mean waiting 3 weeks for my next statement, so they said can't you just run one off online banking and email it to them? That sounded comically forgable, but I did it anyway from the 1st to the 30th. Then they came back and said "but it's online so why did you only do that month? Please do it from the start of last month to today".

    What a rigmarole.

    Same bullshit with Mrs rhowe's statements.

    Basically I could've just run a PDF off each of our online banking interfaces, emailed it over and that'd have been the end of it. To use 'official' paper statements, I had to get the accountant at work to certify a copy, scan that in and email it. Much crazy, many delay.

  • in Miscellaneous & Meaningless
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    Mortgage company got in touch after more than a week to ask for one document I'd forgotten to send earlier and to query 2 transactions on my bank statement. One was a transfer of £10 between two of my accounts and the other was clearly described as being to the solicitors doing our conveyancing. Seems pretty random

  • in Miscellaneous & Meaningless
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    Not as ridiculous as it might sound (although I don't they were talking about this):

    news.nationalgeographic.com/news/­2013/0­1/220113-sneaky-cat-parasite-takes­-over­-human-brains-science/>

    Favourite comment so far:

    Lets have a toxo party! Lower the anxiety and be chilled. Folks gonna be smoking cats soon

  • in Miscellaneous & Meaningless
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    Our survey report was confirmed as received by the mortgage company a week last Friday and it's been radio silence since then. Will be contacting them tomorrow to check everything's alright.
    Solicitor's still chasing up some minor queries but they're pretty inconsequential.

  • in Midweek Evening Rides (TNRC, WNKR)
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    44x15 for me at the mo I think

  • in Midweek Evening Rides (TNRC, WNKR)
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    Ride out is about the same as Welwyn according to my plans

  • in Bikes & Bits
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    My hope district has a damaged cable where it enters the housing. Make sure you don't bend it too tightly. The light still works but one day I'll email them and they'll get it fixed.
    Having the second battery pack is a real boon. Carry the y-splitter cable and you have a backup option if one runs out.
    Even with decent lights I still carry little usb-chargeable spares.
    One point to note about the District is that it's seatpost-mount only and only circular profile seatposts at that, so no aero posts etc. Also means that a seat post amounted rack or rear bottle cage will obscure the light.
    On the plus side, it illuminates the bottles something magic.

  • in Miscellaneous & Meaningless
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    Looks like it's around 10% of total tax receipts going by some random guardian data Google found so if you're spending less than 10% of your income servicing debt you're doing better than the government (without the ability to print your own money)

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