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I have a question Volume 37 - Dynamic Dave

******* Thread now closed, please see volume 38 ********

www.honestjohn.co.uk/forum/post/index.htm?t=21056


In this thread you may ask any question for which you need help, advice, suggestions or whatever.

It does not need to be motoring related. In fact, in this thread it should not be.

No Questions About PC\'s. They now go in another Thread.
No politics
No Speeding, speed cameras, traffic calming
No arguments or slanging matches
Nothing which I think is not following the spirit of the thread
Nothing that risks the future of this site (please see the small print for details www.honestjohn.co.uk/credits/index.htm )

Any of the above will be deleted. If the thread becomes difficult to maintain it will simply be removed.

However, as has been said a couple of times, there is a wealth of knowledge in here, much of which is not motoring related, but most of which is useful.

This is Volume 37. Previous Volumes will not be deleted,

A list of previous volumes can be found here:-
www.honestjohn.co.uk/forum/post/index.htm?t=18847



Another Tube question... - PoloGirl
Morning All!

I've got to go to London on 26th March, to an office right by Victoria Station. Trouble is, trains from up here go to Euston which means I've got to get the underground.

Now, I hate the tube at the best of times, but given recent events and the fact that I have always been paranoid about going on there, is the distance from Euston to Victoria walkable? (In heels?)

Thanks!



Another Tube question... - Altea Ego
Euston to Victoria? Walkable? In heels? Only if you are some kind of masochist. Its a long way on foot. Taxi, tube or bus for you.
Another Tube question... - Mapmaker
It's 10 minutes by Victoria line which is an excellent service. Enjoy the tube.

Just to make you a bit more secure (and I'm sure one of us will happily come to hold your hand if you wish) 3,433 people died on the roads during 2001. As many people died in the Madrid horror as die on British roads in just over a fortnight. And a similar number of people die on the roads each day as die in train accidents each year.

So, leave Polo at home (And avoid another 'Polo tried to kill me - AGAIN') and stick to the tube for all our safety! :) You're much more likely to be killed by London traffic than a bomb.
Another Tube question... - Wilco {P}
Number 73 bus goes from Euston to Victoria. Much quicker by tube but well crowded if you're travelling in peak time....
Small business insurance & bank account - Hugo {P}
Hi

I am trying to find a comprehensive public liability insurance package for my new business, and would like it to include insurance against loss of tools through theft etc.

I am also trying to find a good bank accoount that offers good benefits and is co operative to deal with (unlike my current mortgage provider).

The business is to do with property repairs and improvements. I will be a sole trader to start with and will eventually become a limited company within the first year.

Is there anyone out there that people would recommend for both?

Thanks, I am hoping that this will save me a lot of time.

Hugo
Small business insurance & bank account - Martin Devon
We are in a similar business and are quite successful. a. We don't use the 'normal' high street banks who will lend you an umbrella when the sun shines. (We've been there and lost!) b. deadlocks on van, (tool safety.) c. DON'T employ toerags who WILL nick your tools. d. DON'T talk to the banks if you are meaning overdraft. Use the customers money. We builders may be regarded as many things, but Bankers, we are not and last but not least, there are far more cowboy customers than there are cowboy builders. Tread very warily Hugo 'cause the traps can bite very hard. Best of luck and regards,

Martin (Devon.)
Small business insurance & bank account - Mapmaker
Why do you want to incorporate?

Is it really necessary?

If you are doing it for reasons of limiting your liability in the event of a claim against you, then you should do it sooner rather than later. If for perceived tax benefits, then think very hard, as Gordon Brown has the habit of moving the goalposts so that they disappear.

He is talking about removing the £10,000 band where 0% tax is charged; he is talking about imposing NI on dividends. It is possible that the tax take will be higher through a company than as a sole trader - we have no way of knowing until he finishes his budget speech. Even then , we don't know what he will do next year!
Small business insurance & bank account - Hugo {P}
Thanks for all the advice WRT Sole Trader vs Ltd Company.

However, what I am really after is information about which bank to do business with.

I know that Natwest are pushing business accounts, but I am really after service and value for money, not just one that advertises a lot.

Many thanks

Hugo
Small business insurance & bank account - mark
Hello Hugo

some good points so far, I went down the SE route about 2 years ago and have not looked back.

I incorporated becuase of the dividends vs taxed salary position and in hindsight this was a good move but my accountant is fairly sure the position will change tomorrow with likely NI on dividends.

I used Nat West as the banker; best of a bad choice they all offer free banking for a period and welcome you but the pressure to sell me everything under the sun was huge. Many times I had to tell them and their associated companies to get lost, all their insurances and the like were vastly overpriced. Also watch out whilst on free banking they don't pay interest on positive balances and at one point I had several £10ks in the account, when my accountant spotted it we moved it to an interest bearing account.

Now the free period is over I pay them about £15 a month for the priviledge of a statement and 2/3 transactions a month and still no interest, thieves.

best of luck with your venture

as always

Mark
Small business insurance & bank account - RichardW
Hugo,

My wife started her own business last year - still a sole trader. She banks with Abbey - they offer a free banking service to small businesses - as long as you keep down the number of cheques / cash paid in it's free. You can manage the account on line - but it's a bit frustrating on dial up as it insists on re-loading all the graphics every time you do everything. Pays some (don't know how much) interest as well. No problems with them so far! No offers of stuff we don't want either - we always make sure we tick the "don't send me any rubbish I don't want" box where offered.

Good luck!


--
RichardW

Is it illogical? It must be Citroen....
Small business insurance & bank account - Martin Devon
Hugo,

I should have said previously that we bank with the Abbey. It is not a business account as we refuse to pay bank charges as they earn from keeping your money at least an extra day during transactions. They know it is a business, but dont seem to care, so they are obviously onto a good thing. When we enlisted they said that overdraft facilities depended on usage and the more usage the better. True to their word, before long the facility was and still is in place. The only charge for going red is a little interest which is quite insignificant. We believe that the max o/d is 7.5k. Quite useful eh!

Regards as ever.
Small business insurance & bank account - Hugo {P}
Thanks for all the pointers so far.

If looks like there is a vote for the Abbey National out there.

As far as the Ltd Liability thing, I don't think this one has changed has it? or have I missed something?

Hugo
Small business insurance & bank account - Mapmaker
Hugo.

You say 'as far as the Ltd liability thing... has it changed?'

No, it hasn't. But what do you mean?
Small business insurance & bank account - mark
Hello Hugo it will change on Apr 1 with the imposition of 19% corporation tax on dividends.

Up to now a limited co could pay its shareholders (usually a husband and wife in a small business) the first £10k of profit as a dividend rather than as salary and thereby not pay NI or IT on it.

This will alter the position for many small business who will how have to find an extra £1.9k to pay the corp tax if they carry on doing this. I guess many others like myself will be looking at maximising use of the 10% tax band on salaries now as an alternative or in some cases becoming unincorporated. I will be meeting my accountant soon to work this out.

as always

Mark
Small business insurance & bank account - Hugo {P}
Hi Mark

Thanks, you've answered my question.

If I want to protect my own assets is to set up a limited company then I'll just pay a salary in the normal way. Having said that NI needs to be paid by both parties (me and the company) oh bother!

Do you know if the corporation tax on the dividens has a threshold such as a min amount?

Although I would like the safely of having a ltd company rather than sole trader status, the costs maybe prohibitive.

The advice I have received from Enterprise Plymouth Ltd to date is to go the sole trader route and pay the class 2 and 4 NI contributions Class 2 is £2 per week and class 4 is 8% approx.

I suppose the only other thing I could do is go Ltd for the new business, which will exclude my properties and simply have these as separate business entities which I will have to pay tax on the generated income

Therefore, if I pay myself below the NI threshold from the Ltd company and simply take my taxed income from the properties that I'll be renting out, pay SWMBO as an employee, again below the threshold, then we could just about survive.

Sounds like a trip to see a good accountant is in order.

Hugo
Small business insurance & bank account - Mapmaker
This sounds very complicated. You really should go and talk to a good accountant. I'm not going to give specific advice to you as I don't have the full facts of your case, but there are a couple of general points here. Be careful not to mix up the issue of limited liability (which is unchanged) and tax on income of the company.

1. Owning properties. If an individual owns properties, and rents them out, he might be unwise to put them into a company. There may well be tax on the transfer of investment property (i.e. one which gives rise to rent, rather than is used as, say, a shop or a factory) standing at a gain (i.e. worth more than you paid for it) to a company. If the Chancellor changes the rules again in the future, there would certainly be tax on taking the property out of the company, if it was worth more than had been paid for it/transfer value into company.

2. Corporation tax v/s extra income tax. May I please clarify some of the above points, which are slightly woolly. If a company has profits of only 10k, then they are tax free. (It is possible to manipulate the company's profits by paying the owner a salary until its profits are only 10k.) In the old days, a basic rate taxpayer shareholder could have paid this 10k to himself and he wouldn't have had to pay any extra tax. In the future, 19% corporation tax will have been incurred on this 10k income, i.e. a 1900 cost before he can receive it 'tax free'.

3. SWMBOs. There are specific tax rules that apply to SWMBOs with shares in a company for which they do not do any (significant) work/invest a significant amount of their own money. This means that dividends paid to the SWMBO may be treated as income assessable on the husband.

All in all, you should go to talk to a good accountant and tell him about everything you (want to) do. Incorporation may not be the best route (or may not be the best route for ALL of your activites).

Good luck!
Small business insurance & bank account - Hugo {P}
Martin,

You may be able to help me on a separate issue here.

I am due to see a solicitor next Tuesday WRT setting up terms and conditions etc.

In order to make max use of his time I would like to take a "starter for 10" to him for his perusal.

I don't suppose you could point me in the right direction, don't mind if its the go forth and (don't) multiply variety.

Mark (RLBS), DD or ND could you please pass my e mail to this gent should he ask for it, many thanks.

Hugo
Small business insurance & bank account - Martin Devon
Martin,
You may be able to help me on a separate issue
here.
I am due to see a solicitor next Tuesday WRT setting
up terms and conditions etc.
In order to make max use of his time I would
like to take a "starter for 10" to him for his
perusal.
I don't suppose you could point me in the right direction,
don't mind if its the go forth and (don't) multiply variety.
Mark (RLBS), DD or ND could you please pass my e
mail to this gent should he ask for it, many thanks.
Hugo


Good morning Hugo,

I have written my own Terms and Conditions which I have used for over Fifteen years. My Solicitor said that he probably couldn't write same!! They are very professional. (BIG head I know), but the fact is they ARE good and very thorough and work. I will be happy to let you have them F.O.C. Get the guys to send me your e-mail address and I will oblige. If there are any other areas that I may be able to help with please shout.........Oh!..I would not bother with using a Solicitor for matters like this. In my experience I have found most, (but not all), to be less than professional and at £100.00. per hour at least, the money is better of with you.

Very Best Regards,

Martin.

Small business insurance & bank account - Mark (RLBS)
Hugo's e-mail sent to Martin.
Small business insurance & bank account - Hugo {P}
Hugo's e-mail sent to Martin.


Mark,

Thanks, much appreciated. I think that's a few beers I owe you now!

Martin,

Thanks for your response

All the best

Hugo
Small business insurance & bank account - Martin Devon
>> Hugo's e-mail sent to Martin.
>>
Mark,
Thanks, much appreciated. I think that's a few beers I owe
you now!
Martin,
Thanks for your response
All the best
Hugo

>>
Hold on, whoah there boy! Don't give ALL the beer to Mark.

Regards.
Calais - lunch - ideas ? - arnold2
Going to Calais on Saturday for the wine-express :-)) ; have several hours to kill - since Calais not really very pretty, anyone recommend a nice place on the coast for lunch/nice view/walk nearby ... I hear there's a nice restuarant where Mr Goering used to sit & watch the Battle of Britain .... !
Calais - lunch - ideas ? - Mapmaker
Wissant has IIRC several good restaurants - at least a couple. Try www.levivier.com

Plenty of opportunity for a ramble, too. Recommend Cap Gris Nez - nice and blowy at this time of year.

Calais - lunch - ideas ? - Altea Ego
Try Bologne, only 15 mins down the road. Nice restuarants in the walled part of town
Calais - lunch - ideas ? - arnold2
cheers !
Calais - lunch - ideas ? - Soupytwist
Le Touquet's a nice little seaside town where the bourgeoisie take their holidays in the summer. I had a good meal there a couple of years ago at a restaurant on the seafront. Can't remember it's name but there's a massive beach and you should be able to find somewhere half decent to eat relatively easily.
Matthew Kelly
No, not that one.
Calais - lunch - ideas ? - PhilW
Would second Boulogne, only 20 mins from Calais on motorway. Alternatively take the coast road for about 40 mins, some nice walks on cliffs and beaches at Wissant (very small village but nice hotel or two for meals, Wimereux (Bigger than Wissant and several eating places on sea front - had a lovely lunch there last Whit). But be warned - these places can be dead in winter, mostly holiday homes! Le Touquet may be too far?,another 30 km (?) from Boulogne

www.baiedewissant.com/
www.wimereux.com/pageLibre00010061.html?nRedirect=1
Anyone got solar powered water heating ? - Soupytwist
Or know anything about it?

Am considering installing solar panels on planned house extension - Watchdog this week has nearly put me off. Is it a nice thing to do for the environment or a waste of time in the real world ? Any advice gratefully received.


Matthew Kelly
No, not that one.
Anyone got solar powered water heating ? - Civic8
I know a couple of people that had it installed around 10 years
ago.I have been told by them it was a lot of money and nothing saved.Dont wish to put you off as they must have improved it by now.but one had cavity wall insulation done about 2 years ago and nothing but praise.ie gas bill lower.
Anyone got solar powered water heating ? - Hugo {P}
I do remember seeing an idea from an eco house on public display in Leicester.

It was very simple. A radiator painted matt black on one side and set behind a piece of glass inside a wooden surround.

Water was simply pumped around between this and the item to be heated, in your case, a second primary circuit in your hot water tank.

Cheap as chips to build (2nd hand rads are 10 a penny at your local dump), but as for effectivity I don't know.

Hugo
Anyone got solar powered water heating ? - Kuang
The Eco House in Leicester provides all its hot water internally from the solar system, and still manages to sell extra electricity back to the National Grid :) Having said that, their solar array is relatively large and uses a very specific (and quite expensive) material to get those sort of returns.

In typical Leicester City Council fashion*, I heard that the Eco House may be for the chop very shortly, so now is the time to visit if anyone's interested - it's a great little diversion if you're in the area, and the tea is superb ;)

* I wonder if they're going to give back their Environment City award?...
Anyone got solar powered water heating ? - Hugo {P}
"The Eco House in Leicester provides all its hot water internally from the solar system, and still manages to sell extra electricity back to the National Grid :) Having said that, their solar array is relatively large and uses a very specific (and quite expensive) material to get those sort of returns."

It's the ECO house that I was thinking of on the Hinkley road IIRC. I lived about 20 mins walk from it before I became a Cornishman.

I picked up a leaflet with instructions as to how to build 'solar panels' out of radiators painted black.

I suspect they'll have a website where you could contact them on.
Anyone got solar powered water heating ? - SpamCan61 {P}
When I moved house a couple of years back the survey I had included an 'environmental audit' which did some basic cost / benefit analysis on cavity wall insulation / solar panels etc.

The calculated payback period on using solar panels for water heating was about 25 years; and that was assuming the alternative was to use an electric water heater at peak rate. In actual fact we heat the water from the gas boiler; which would make the payback period 40 - 50 years. A complete non starter from a financial point of view.
Anyone got solar powered water heating ? - Soupytwist
Thanks for that - what was the verdict on cavity wall insulation? I'm considering that as well, because my outside walls are really cold, making condensation a problem.
Matthew Kelly
No, not that one.
Anyone got solar powered water heating ? - SpamCan61 {P}

IIRC the survey reckoned about 10 years payback on cavity wall insulation; but a year ago there was a 'special offer' from the gas board, where there was a (government / taxpayer? ) subsidy on the first 30 square metres of insulation, plus interest free credit over 2 years.

We had it fitted last autumn; and despite my usual scepticism the house feels warmer; despite the fact I?ve turned the thermostat down. I think it?s very difficult to do exact cost / benefit analysis on this; but the fuel bills are maybe 50 ? 70 quid per year lower, despite the house being warmer. I think the total cost of installation ( on a medium size 4 bed detached ) was about 400 quid.

Basically I would regard the cavity wall insulation as a good investment.
Anyone got solar powered water heating ? - Mapmaker
Improved comfort may be a bigger issue than the cost saving? There's more to life than just money.

Try a couple of airbricks (or leaving hte window open a crack) if condensation is the problem. I bet you've got sealed double glazing units!
Anyone got solar powered water heating ? - Soupytwist
I have got UPVC sealed double glazing units - they'll be replaced when the extension is built & I'll get ones with vents in then. However, the exterior wall is so cold in winter that any furniture positioned against the wall results in condensation. There's also condensation on the ceiling in one place near the exterior wall which I take it could be improved with better loft insulation. I leave the window open whenever I can but being out all day at work makes this impractical during the week.

Matthew Kelly
No, not that one.
Anyone got solar powered water heating ? - helicopter
The only way to cure condensation is with adequate ventilation.

One of the worst causes is when people block up fireplaces.Don't do it folks!

Leave windows open as much as practicable and investigate getting airbricks.
Anyone got solar powered water heating ? - Soupytwist
One of the worst causes is when people block up fireplaces.Don't do it folks!


Well that has happened in my house - perhaps I should get some airbricks put in when I replace the window. Would a couple under or above the window be a good idea ?
Matthew Kelly
No, not that one.
Anyone got solar powered water heating ? - helicopter
Matt - Get proper advice from a local builder ref the airbricks but if possible unblock the fireplace which will allow air to circulate as it is meant to in the room.

Alternatively put airbricks into the wall blocking your fireplace or into the chimney breast.

It really is all about getting a proper circulation of air in the room.

Anyone got solar powered water heating ? - Mark (RLBS)
>>The only way to cure condensation is with adequate ventilation.

True, that's the only way to cure it, but insulation can help you minimise it.

Although, depending on the size of the room, you may find that dry lining it and insulating in that gap is more advisable than filling the cavity which can be harmful and actually worsen the situation.
Anyone got solar powered water heating ? - L'escargot
However, the exterior wall is so cold
in winter that any furniture positioned against the wall results in
condensation. There's also condensation on the ceiling in one place
near the exterior wall which I take it could be improved
with better loft insulation.


I find that a dehumidifier works wonders ~ I bought my first about 17 years ago, and I recently bought a second for use in my garage.

I use the one in the living quarters virtually continuously from October to March inclusive, and the one in the garage as required, i.e. when I have put my car in when it is wet.

The first was expensive ~ £300 in 1987 ~ but even then I thought it was well the money. Nowadays you can get one for under £100.

Some manufacturers claim certain health benefits, but I can't confirm the validity of these claims.

Opening windows can be counter-productive because you're just letting in cold damp air.
--
L'escargot by name, but not by nature.
Anyone got solar powered water heating ? - L'escargot
I find that a dehumidifier works wonders.........




PS And if it's raining on wash-day, the washing gets hung up in the "utility". It dries in a matter of hours, and there's still no condensation. Brilliant invention.
--
L'escargot by name, but not by nature.
Anyone got solar powered water heating ? - Soupytwist
I do have a dehumidifier which I run on and off when the windows get steamed up etc. and to dry washing. However, it's proved extremely unreliable and after three breakdowns in less than six months we've got a new one out of the manufacturers. The replacement is a better model with a humidistat so it can be set to come on when humidity reaches a certain level (I think), sadly I didn't get an instruction manual with it so I'll have to work it out for myself.

Matthew Kelly
No, not that one.
Anyone got solar powered water heating ? - L'escargot
There's also condensation on the ceiling in one place
near the exterior wall which I take it could be improved
with better loft insulation.


Matt,

Condensation on the ceiling close to a wall commonly occurs there more than elsewhere ( and often resulting in mould forming) because there is less movement of air in that region. (For the same reason, a smoke detector should not be placed close to the junction of the ceiling and a wall.)

Persevere with the dehumidifier during October to March, and this should get rid of the problem. In all the 17 years I've had a dehumidifier I've not had a problem of damp in any of the four bungalows I've owned in that time. But I have found that you need to operate the dehumidifier virtually continuously during that 6 month period. I've calculated that this costs me £50 per year and I don't begrudge that one little bit. Compare that with what you spend on running a car!
--
L'escargot by name, but not by nature.
Anyone got solar powered water heating ? - Altea Ego
>Am considering installing solar panels on planned house extension

Anyone got solar powered water heating ? - Altea Ego
oh for an edit button

should have said "looks out of window at current weathjer for good reason not waste money on solar heating"
Anyone got solar powered water heating ? - andymc {P}
The term "solar power" is a bit of a misnomer, to be honest - you don't need blazing sunshine for it to work, daylight on a dull day will still do the job. Still think that wind, solar and wave power are sadly untapped/underutilised resources.

As for cost, well, it depends on your approach to these things. (Right, going to philosophise/rant a bit here, feel free to ignore!)

We're all paying hidden costs for energy/heat one way or another - same idea as the "real cost" of food. You pay higher prices for food that's described as organic, i.e. it hasn't been sprayed with pesticides or weedkiller, irradiated, filled with antibiotics, whatever. When you buy food which has been through such processes, you might pay less at the till, but after you've left the shop you're still paying - with your health, with the clean-up/eradication costs for BSE, foot & mouth, the effects of over-intensive agriculture, the social impact of all these, and so on.

In the same way, cleaner energy and having more thermally efficient homes often seem at face value to cost more, but oil/gas/nuclear/coal all bring their own multitudes of problems whether through taxation costs, security costs, health costs, etc. We still pay!

Trying to come back to the topic, I would see it as a real long-term investment if all new homes were required under building regs to be built with solar panels and a wind turbine in order to supplement/replace power from the grid, as well as having higher grade insulation. Yes, it would cost more up front, but that would be offset by reducing/eliminating energy bills every single month. Other benefits would include less vulnerability to power cuts, cleaner air and cosier homes. At the same time, support for retro-fitting any alternative energy installations could also be made available as a write-off against energy taxes. Considering how much energy this country expects to have to import in a couple of years' time at current consumption levels, it could prove to be a cost-saving exercise for individual households and for the Treasury over quite a short period of time.
OK, rant over!

andymc
Register of Companys - BobbyG
I have searched but can't find the previous link which gives the website that you can check up on a company - registered address etc.

Anyone help?
Register of Companys - Mapmaker
www.companieshouse.gov.uk/

Select, under 'tools to help you', the category 'free company information' and click 'go'.

Enter the name of the company, and you'll get the information you require. For a small fee, you can obtain a copy of their last published accounts if you like.

Register of Companys - BobbyG
Cheers mapmaker.
Building regulations - Mapmaker
When I bought my house there was a load of todo about buildings regs on an extension.

Eventually, a completion certificate from the council was produced, and the builders confirmed that the completion certificate applied to all the works they undertook. On this basis contracts were exchanged.

It turns out that there are 2 areas in respect of which the works contravened buildings regs. Would there be any claim against (1) the council; (2) the previous owner's builders; (3) the previous owners in respect of these contraventions?
Building regulations - Altea Ego
For failure to meet building regs? None of them. Why would you want to unless its pure spite?

If however there is a material DEFECT with the building works, then you may have a case against the builders.
Building regulations - Hugo {P}
For failure to meet building regs? None of them. Why would
you want to unless its pure spite?
If however there is a material DEFECT with the building works,
then you may have a case against the builders.


RF, that is interesting. I would have thought that there would be comeback on at least the council, the project manager (architect) or the builder for the failure to meet building regs.

I only say this because a neigbour who had an extension built above his garage got into terrible problems when the house sold a few years later.

It turns out his architect did not serve any notice upon the building regs people, so despite having applied for and received planning permission, the building inspector never came out to see the work and no building certificate was even issued.

By the time the property was being sold the regs were tightened up and the application had to put in place IAW prevailing regs, which meant that alterations had to be done, costing the owner a small fortune.

In this case I would have thought that whoever was responsible for managing the project would have had to cough up for the blunder, unless the owner got the job done on the cheap and tried to project manage it himself - knowing them, that's quite likely.

I have to say I tend to advise the building regs people of ANY significant work I am doing. This means that they can then advise me on any need for a building notice or full plans.

Hugo
Building regulations - Altea Ego
Buying houses is very much buyer beware. That is why we have surveys. In the case you mention, failure to get any approval (planning or building regs) is fairly clear cut and easy to apportion blame. In a way "legal" requirements have not been observed.

Where someone is claiming that building regs have not been observed (and who says they havent?) but applied for and signed off by the council then thats too cloudy to stick blame. And as I say why would you start being a rottweiler unless there is a material defect?
Building regulations - Altea Ego
Oh speak from some experience here. Bought a bungalow with a loft extension. Its a nice extension, nicely done. However it does not meet building regs approval (staircase too narrow and some other minor things). It was sold as "storage space" (thats two bedrooms, carpet, built in wardrobes, heating, light) but still storage space.

The council know its there, know it does not have building regs approval (Because approval was requested but denied), and wanted to come and inspect after i moved in. I told them to go away. They admit there is nothing they can do.

If I move it will be sold as "with storage space" No comeback from the new purchaser.
Building regulations - Pugugly {P}
Mmmm. I think it may be worth going back to the people that did the conveyencing work. When I do it (as little as possible these last few years) it is company policy to ask for two things in respect of recent building work. 1. A certificate of Habitation and 2. a Final Certificate. Most Mortgage companies insist on this in the case of recent or new builds.
Building regulations - Mapmaker
Thanks, PU, I'll give it a go.

[background for those who think I'm just being a Rottweiler.] Downstairs loo installed year or two prior to purchase, and (according to builders - in writing from builders, passed on by vendor's solicitors) signed off with buildings regs as a part of other works, and final certificate received.

Soil pipe turns out to flow 'uphill' and therefore leaks. Buildings regs require a slope on soil pipe (to avoid potential for leak). Rectification likely to be rather expensive, as to get soil pipe to flow downhill will require breaching footings.

Whilst aware of 'caveat emptor' there appears to have been specific either:

1. misrepresentation by builders; or
2. failure by council buildings regs inspectors to inspect properly.

Building regulations - Altea Ego
In that case then you should be unleashed to hunt down the builders. This is just shoddy workmanship, Cant blame the previous owners, or the council probably.
Building regulations - Mapmaker
Um; I have no contractual relationship with the builders. Don't know (i.e. I doubt very much) whether I can pursue them.

Misrepresentation requires one party to make a false statement of fact to induce another to enter into a contract with him, knowing that the statement is false (or not caring whether it be true or false).

Is it correct to presume that representations made by the vendor's professional adviser are the responsibility of the vendor?

(As a professional adviser myself, I know better than to ask a question of a professional (my conveyancing solicitor) before I know what the answer will be! Hence gratitude for response from the BR.)
Building regulations - wemyss
My own experience in building is in large Government projects where the system enjoys a much better line of responsibility than the private housing sector, which appears to have a system of no one being responsible for the final result.
In our system building requirements would be passed on to an Architectural firm who would provide schemes for approval to the client. (In our case the Home Office)
Tenders would be prepared and invitations to tender would be issued. The contractors chosen to tender would receive tender documentation including all drawings and plans and specific works.
Also included would be the reminder that all current building regs, IEE regs and local authority including water regs and Legionella laws must be adhered to. Good let out for the Authority as it means if we have got it wrong its your fault.
The successful tenderer would have on site his own staff including a site Manager.
In overall charge of the works would be a Superintending Officer (SO) normally an Architect from the consulting firm. The client (ourselves) would provide a clerk of works to ensure standards and quality of work and to record all activity and progress. Site meetings which includes the QS from both sides would take place monthly and stage payments made.
On completion the SO after final inspection signs a certificate of completion (if satisfactory) less snagging.
A retention of 2.5% recently reduced to 1.5% is held to ensure snagging and any other faults are dealt with and paid after 12 months.
The above is a very brief description but I use it to illustrate that there appears to be very little similarity in the housing market apart from possibly council house building.
A recent thread of mine detailed that when my daughter had the experience of finding that the flue which passes up through the brickwork was misaligned and could have caused a fatality no one appears to be responsible. The builder (a National one) wouldn?t even discuss it even though it was their sub-contractors who had built it. The NHBS didn?t want to know. And the local council building Inspectors said they were only required to inspect private housing developments up to ffl or dpc.
I even went to Corgi who at first showed a flicker of interest but quickly lost it.
So it left me with the unanswered question of who is responsible for the ongoing inspection to ensure conformity to the many regulations including building ones whilst the work is in progress. The answer appears to be no one on a practical basis. Yes you can have a building society surveyor but what can he see when the house is completed. Can he carry electrical tests as per the IEE regs and understand them.
Does he do smoke or water tests on the foul drains. Check that cavity tie wires are free from mortar droppings and dozens of other inspections which can only be done during construction.
You may have as many regulations as you like but unless there is someone there to inspect as work progresses they mean nothing.
If any of you are ever lucky (or rich) enough to have your own house built I would recommend the following which I have seen many times. Look round for a good! retired experienced builder or clerk of works to act for you on a part time basis to inspect the work as it proceeds. A few hours per week is sufficient and could pay for itself many times over.
Building regulations - jeds
There is no privity of contract between an owner and a builder
who carried out works for a previous owner! Or an architect employed by a previous owner. The only route is to pursue the previous owner. And then you will only get anywhere if the previous owner failed to disclose accurately.
Tenancy Question - PoloGirl
Hyperthetical/hypothetical (never sure which) question for those of you with experience of tenancies...

Person A and Person B have a joint tenancy on where they live, which is signed and renewed on a six month basis, and has been for the last 2 years. Monthly rent is paid by standing order from an account in Person A's name, into which Person B transfers half every month.

If person A wanted to leave....

Could person A close the bank account and tell the letting agent to contact person B for all of the rent, or could person B force Person A to keep paying his/her half until the current 6 months are up?

Could person A get his/her name taken off the tenancy agreement before the current 6 months are up? What about getting half the deposit back?

If person B left, could person A force them to keep paying half the rent until the current 6 months are up, even though the account that the rent is taken out of is only in person A's name?

Thanks!

Tenancy Question - Pugugly {P}
PG

Giving advice on this on the net and then following is fraught with problems. The snall print of the agreement neeeds to be looked at. There are a couple of avenues that you mention that would be possible....but face to face advice is what's needed if the hypothetical person doesn't want to end up in a financial and legal entanglement.
Tenancy Question - Hugo {P}
These things are always best done amicably.

Other than that, it depends on a number of issues, including the wording in the tenancy agreement, as PU illudes to.

The min 6 month term is up. My guess is that the person wanting to leave would have to give 1 months or 4 weeks notice to the Landlord to quit the tenancy, however, there is the wonderful phrase 'joint and several liability'.

During my student days, this was a common problem for many of my friends. The amicable agreement usually involved 1 months notice from the person that wanted to quit, giving the other occupents plenty of time to find a replacement housemate to take care of that person's share of the rent etc.

I have to admit, I have made life easier for one of my tenants. Only her name appears on the agreement, not that of her fiance, who is listed in the agreement as a resident so long as the tenancy is in place and no breech of contract has taken place. This may not be the best legal option but it seems a lot cleaner.

Hugo
Digital camera - defective image - Oz
Camera is a Canon Ixus V3 and till now I have been extremely satisfied with image quality.
Lately however I find that images are spoiled by a very tight pattern of fine horizontal lines or 'striations' (rather like a poor quality TV picture). This is visible both on the camera screen and after printing the image.
I tried re-formatting the Compact Flash card but got no improvement.
Has anyone experienced this? I am just wondering whether something has gone out of alignment.
Oz (as was)
Digital camera - defective image - Altea Ego
Is this on every image? If it is then it sounds like the CCD is not scanning properly.

Try taking some shots with lower and higher resolutions to see if it occurs then as well. Sounds like a trip to the camera shop
Digital camera - defective image - Oz
Thanks for suggestions RF. I can only say that the defect seems to occur more with outdoor shots in bright daylight than indoors with flash.
I agree, it sounds like a consultation will be necessary.
Oz (as was)
Clocks changing... - Mark (RLBS)
The clocks change this coming weekend. And, stuck in traffic this morning, I had a curious thought.

If you're working nights when the clocks change, do you have to work an hour longer one time relying on working an hour less next time ?

And if you're working an hour longer, and operating machinery for example, are there H&S issues involved in working longer ?

And would you get overtime for the hour that you worked, even if it didn't exist ? Would you get different length breaks ?

Or does the next shift come in an hour earlier/later ?

What happens ?
Clocks changing... - Cardew(USA)
Hospital staff work an extra hour - or an hour less - and do not get an hour credited or deducted.

Clocks changing... - Altea Ego
Yes you work the extra hour - the extra hour does not exist according to the clock. Payback time when the clocks go the other way, you work an hour less.
Clocks changing... - Mark (RLBS)
but what happens if you're on a different shift by then ?
Clocks changing... - Altea Ego
Life is hard.............
Clocks changing... - Welliesorter
If you're working nights when the clocks change, do you have
to work an hour longer one time relying on working an
hour less next time ?


I used to work regular through night shifts and still keep strange hours. I don't want to say who my employer is, or the exact nature of its business, although it doesn't actually involve the distribution of rubber footwear. I've encountered this issue several times and found that people tended to forget how we'd dealt with it from one year to the next. Individual managers had their own ways of handling it, some more reasonable and flexible than others.

Generally, people were allowed to claim an hour's overtime if they had to work when the clocks went back but weren't expected to make up the shortfall when they went forward. This seemed a sensible arrangement and one that worked in the employees' favour. It wasn't possible to rely on those who'd gained an hour at work in the Spring losing it the following Autumn because the same people wouldn't be working on both nights.

The question of breaks did come up on one occasion when I was in charge and I was threatened with legal action by one of the more belligerent members of staff if I didn't grant an extra one. After I'd got over my initial irritation with him (he was, after all gaining an hour's overtime at the Sunday double rate) I checked and found that certain people whose lunch breaks fell early or late in the shift were entitled to an extra screen break. Predictably, after being granted and taking the extra break, the same person pleaded to be allowed to go home early.

It wouldn't be possible for the day shift to come in an hour early as this would disrupt everyone who worked on the Sunday. In a 24 hour operation this would have knock-on effects for everyone working afterwards, including the night shift people the following evening. On a few occasions the night staff were allowed to leave early as there was a certain amount of overlap between them and those who started early on a Sunday and that was always the quietest period.

As far as I know the company has no official policy on the clock change and I've no idea whether there is any specific employment legislation governing it.
Bristol Traffic - Mapmaker
Anybody know at what time I should be past Bristol (in a West Country direction from London) in order to avoid the morning rushhour on a Thursday?

Many thanks!
Bristol Traffic - Altea Ego
Hit the m4 at M25 junction by 6:15, Bristol M32 (M4j19) turn by 8:00, m5 at taunton by 8:50, Exeter by 9:15.

If you are passing the m32 Junc by 8:45 its jammed up for a mile on the inside lane, and lan2 jams up from those (me) who forget and try to jump in. Lane three normally moves ok

Slow crawl up the hill on M5 bristol
Selling house on the internet ? - arnold2
Anyone done this ? Any good sites to recommend ? Our current Estate Agent wants 2+ % for doing not a lot !
Selling house on the internet ? - Hugo {P}
We did a house swap with an aquantence of ours.

She wanted the convenience of a house that was in good order and we wanted something with potential, but condition was not that important for us to buy.

The deal was a private one, similar to what you're looking to do (without an agent). The reason for this was that we both wanted each others' houses, so there was no reason for any marketing to take place.

We found that the most important factor for us was to arrive at realistic valuations for both properties, so that we could negotiate a fair deal with the other party.

We did this by approaching up to 6 local estate agents for a no obligation valuation. When a valuation is given, ask for them to justify it. They will cite properties in the area that are similar to yours and the prices they are eother on or selling for. If it's their own properties then ask how long they have taken to sell etc, plus similar questions to establish whether or not they're getting it right.

Once you have decided on what is a good asking price for the house, then the rest is up to you.

When you accept an offer the solicitor deals direct with you on all matters relating to the sale. In addition the buyers will also deal direct with you, whereas their solicitors will deal direct with yours etc.

If the buyers try to chisel a bit out of the deal you'll have to be prepared to deal with this yourself. In our experience the person having our house and selling theirs to us said she wanted to take her solid fuel boiler with her, which we had agreed was part of the transaction. SWMBO said that would be OK so long as she understood we would be taking our brand new combi boiler with us! That stopped her in her tracks.

Other than that, exchange and completion are just the same but there is no agent's commisson for your solicitor to pass on.

Having said all this a good estate agent can really work for their commission. My sister's two top valuations on her house in Bath were £100,000 apart. She chose the top one and ended up accepting more than the asking price! Apparently that estate agent used every trick in the book to gain enough interest in the house to enable her to get the price she wanted.

If you find a good agent, who you feel is pushing his or her properties, it is worth considering going with them.

Good Luck!

Hugo
Charcoal for filters - Vin {P}
I've got an extractor fan in the kitchen that passes cooking fums through a charcoal filter. Obviously, from time to time, this gets bunged up and loses effectiveness. I then pop down to my local retailer and pay a king's ransom for a new filter.

Thing is, I've noticed the canister is refillable. Anyone got any ideas of where I might buy charcoal pellets to refill the filters?

Long shot, but there are some connected people in here who will no doubt know the answer.

Thanks,

V
Charcoal for filters - billy25
vin,
there are loads of people who use charcoal pellets in thier fishtank filters for purifying the water, bet you could buy a big bag at most aquatic stores fairly cheaply, should be the same stuff, after all, charcoal is charcoal. having just typed that, i wonder if you could mash-up a bag of barbecue charcoal from local garage and try that!.

billy.
Charcoal for filters - No Do$h
Fluval sell charcoal granules (not pellets) for aquarium use. It's available in just about every pet store I've ever been in. It's About £2-3 for a bag large enough to refill the typical circular cannister a couple of times over. Don't forget to give the empty cannister a thorough wash or it won't do its job.

ND
Decorating Woes - NitroBurner
Having a spot of bother in the kitchen...

Painted it recently with emulsion (over plaster), but it keeps cracking in places...

Decided to paper it now.

Given the above info, what's the best way to proceed?

Cheers for any help...
Decorating Woes - Altea Ego
Whats cracking? the paint or the plaster?
Decorating Woes - NitroBurner
Sorry, the paint. Was papered B4. House not that old; good plaster...

Cheers...
Decorating Woes - Pugugly {P}
Q1. Did you strip the old paper off ?
Q2. If so did you make sure all remenets of the paste was removed
?
Q3. What quality paint did you use ?
Q4. Was it new paint or stuff (as PU does) you'd stored and it had gorn orf ?
Decorating Woes - NitroBurner
Q1. Yes, paper off.
Q2. Err, just took the paper off...
Q3. Big DIY store's own brand (We go out with guitars at night!)
Q4. New paint...
Decorating Woes - Altea Ego
Newish plaster? probably still "damp" or shrinking perhaps. The surfacde probably needed stableising. you can buy stuff to do it, dont paper over it now the paint is cracking
Decorating Woes - NitroBurner
RF, When I said "not that old" I meant not 100+ yrs old. House about 20 yrs old, so plaster is well dried by now!

Think the paint was pants TBH!

Decorating Woes - Altea Ego
AH!!!

PU is probably on the right track. Wallpaper paste. Its dreadful stuff. Paint a wall, then slap wallpaper paste on it and the paste pulls the paint off. Its caused by the way wallpaper paste works. It shrinks - A lot. Sucks the paper to the wall.

So probably what happened, you may have left a film of paste on the wall, the water in the emulsion activates it again and bingo shrinkage.

Leave it for a while to see whats fixed and whats not, sand it, and paint with good "D" or "C" ( i personally dont like DIY own brand)

Decorating Woes - NitroBurner
Thanx RF, sounds good advice 2 me. This might get SWMBO off my back...

And then I can go 2 the pub...
Decorating Woes - BobbyG
Nitro, similar thing happened with myself recently. Daughter's bedroom was emulsioned few years ago and a border put up round the middle of the room. Redecorated couple of weeks ago, thinking it would just be a case of stripping the border off and emulsioning. However, when the border came off it lifted some of the paint from underneath it. Ended up having to do a right good sanding job to remove all traces of the adhesive.

Never got to the pub that night..... :(
Decorating Woes - billy25
i think the stuff you need is called "sugar soap", available at most diy's.
Plain English Campaign's Crystal Mark - L'escargot
I read in the press recently that British Gas have instructed all their staff to use "text-speak" in all text messages and e-mails.

If this is indeed the case, will British Gas ever have the nerve to apply for the Plain English Campaign's Crystal Mark for any of their documents?
--
L'escargot by name, but not by nature.
Legal Question - Liability - arnold2
A friend of mine recently separated from his wife, who then returned to America. He's been left with a number of credit card & store card accounts outstanding, which are in her name only ie not joint. Is he liable, as they are still (technically) married ? I told him to tell the various companies who are hassling him to go away, but he's concerned they'll issue County Court summons and instruct baillifs - and he's worried they may come into his house and seize assets - can they do that ?
Cheers !
Legal Question - Liability - Hugo {P}
I am not a solicitor, and PU etc will no doubt be along here soon. Whatever he or another of his learned friends say will override my views, which are only from experience.

My immediate guess is that he should write to them and explain that his estranged wife, who they have the contract with is now living in the States at an address.

If they were in joint names then it would be a different story me thinks.

The CC companies I think are just trying it on. Surely when any divorce is sorted things will become clearer but I suspect court action would have to be deferred until the divorce is sorted anyway. Common sence would surely dictate that such action would have to either be lodged against only the debtor now or wait until then.

Only goods that your friend does not have an interest in and belong soley to his estranged wife could be seized, I would have thought. If the house is in joint names and he is not a signatory on the loans then that would surely be safe. If there were items left such as a car that his wife owned outright then I guess that could be seized.

As I say, I may stand corrected on this by PU or DavidHM.

I have heard of CC companies and banks trying to chase money from relatives of the deceased who have died peniless. As I understand, if the deceased estate is worthless then the debts die with the debtor, provided no one else is jointly liable. On the other hand I have known of individuals who had huge debts in their name only before they died, knowing that the problems would be solved.

H
Deposits when buying a house - Robin
I am in the process of buying a house and am due to exchange contracts soon. I understand that when the contracts are exchanged there is a legal obligation on both parties to buy/sell the house. The purchaser pays a deposit which is void should he/she not proceeed with the sale. What would happen if the seller should back out after contracts are exchanged? Is it a case of county courts for breach of contract and damages? In the case of a longish chain of purchases there would be all sorts of ramifications: if my seller dropped out after exchange I would then have to drop out of my sale etc etc. It seems a bit unfair that if I drop out I lose my 10% automatically but if the seller drops out I have to go to court. I asked my solicitor who told me it had never happened in her 20 years of experience but somehow she did not actually answer the question.
Any ideas? I guess it is a rare enough event so I am not worried at all, just curious.
One for helicopter? - frostbite
I frequently monitor the approach frequency to a nearby airport. Having done this for some time, I believe I have a fair understanding of the traffic, but one thing I would appreciate clarification on is QNH/QFE.

Am I right in guessing that QNH leaves the altimeter showing height above sea level when you land and QFE will show zero?

Or have I just made a fool of myself?
One for helicopter? - Altea Ego
QNH - Is navigational height - (against sea level)
QFE is field elevation. (ground level at airport)

you have it just about right frostie
One for helicopter? - frostbite
Thanks for that RF.
One for helicopter? - John R @ Work {P}
Acronym = QNH
Definition = Atmospheric Pressure (Q) at Nautical Height (aviation)

Acronym = QFE
Definition = Atmospheric pressure (Q) at Field Elevation (aviation)

Thanks to www.acronymfinder.com

John R