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Avro are trying to take a further direct debit now at the end of November. The last statement I ever received for them put me in ~£100 credit, and since then they took the September and October DDs. Not received a bill since from them or Octopus so think its time to call the bank.

Hero! Thanks

That's annoying! But also worrying, how is this shower tray mounted, flush with the floor? on legs? on a raised platform? Because it sounds like it's not been done right if someone 'only' standing on it can cause it to crack.

Do you have space and practicality to extend out the back single story. It's not going to happen for your indicated budget, but if you are keen to keep the living room then that might be an option to gain space. Keeping the garage or not seems to evoke lots of debate. Whilst you don't need to...

Are they extra large tiles? They appear not to have been cut properly with something like a wet cutter for tiles, which is causing the poor finish on the cut edge, which shows particularly in contrast to the trim. You will probably find that they need to remove the tiles, which may cause...

I would suggest this instead Minimal plumbing changes vs your proposal 1 internal wall removal, with 1x expected RSJ Remove existing kitchen cupboard/pantry Install new kitchen layout with central island New Dining/Living space should fit a dining table + sofa 1 new internal wall to turn...

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Depending upon your goals here, as you say you're looking long term and willing to take some risk for reward. Based on a distribution of global markets, you are significantly overweight on UK (20 vs about 4%) and underweight on US (10 vs about 60%). Tilting your distribution is absolutely fine...

Hi, you would be advised to have building insurance at least from exchange (earlier than completion)

Thanks, I'll see how that approach goes for now.

We hired a vehicle in Canada back in May this year with one of the usual big hire firms. Roll forwards 7 months and the hire firm's claims department have contacted me to pursue a figure, the breakdown includes: cost of the part, labour, administration, loss of use. The paperwork just sent to...

That's troubling. Sorry to hear. Agree that your stance seems pragmatic, I'd definitely not sign over more funds. Suggest you review the contract carefully to know where you stand in this situation, and investigate if you have any legal cover already with your home insurance, otherwise it...

Our builders retained some of the existing eaves so I don't think thats an issue. Though in several places they were at least doubled up with new timber. These were either braced into the new dwarf walls, and/or into the new timbers that were supported by steels at the new ceiling height. We...

What's the specific reason you can't rent it out? Whilst you might be thinking you need a buy-to-let mortgage, it is possible to ask your lender for consent, and then from a mortgage perspective that wouldn't be an issue.

Keep going :) looks great

Put a bamboo screen around your balcony.

Is the wall with the radiator studded or solid. Do you have an option to go in there, then route the cables through the wall cavity and back in the wardrobe.

As the posters above say, you really need to look at the rates in comparison. Another way of thinking about this is: you could get a cheaper 5 year rate that is guaranteeing that every year for the next 5 years you are paying % less than the 10 year rate would have cost you so after 5 years...

The original post says nearing completion, or did you mean exchange? If you have already exchanged contracts then your solicitor should be advising that either the seller or the buyer is legally on the hook. So you might want to check if its something you can escape from or not.

I have a set of unifi access points running a guest and primary WiFi, each has fully customisable names, at both 2.4ghz and 5ghz. I believe it can tun even more ssids but I don't need that myself