What is life like with your car? Let us know and win £500 in John Lewis vouchers | No thanks
I have a question Volume 47 - Dynamic Dave

******* Thread now closed, please see volume 48 ********

www.honestjohn.co.uk/forum/post/index.htm?t=23426


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 47. 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


PLEASE NOTE:

When posting a NEW question, please \"Reply to\" the first message in this thread, i.e. this one. This keeps each question in it\'s own separate segment and stops each new question from getting mixed up in amongst existing questions. Also please remember to change the subject header.


Help for a wally - topaktas
Sewage, grass seed, under-insurance, funeral garb - an amazingly eclectic selection of subjects! This prompts me to add another: I have been, I have to admit, a complete wally, and been scammed by someone on ebay.I have parted with 600 smackeroos for an item I never received. All I have is a set of bank account details (probably genuine) and an address in N. London (probably incorrect). I think the scammer lived there once, but may by now be back in France (Paris area). Of course the bank will not help me. My question: can BRs suggest a way that I can get to the scammer's current address, with only the bank details to hand?
It occurs to me that, should anyone have a suggestion, they may prefer to communicate with me off-board.
Help for a wally - Chas{P}
Get eBay themselves involved by reporting the vendor to them. Go to the help section and follow the instructions.

There's no guarantee in getting your money back but this action will certainly help.
Help for a wally - topaktas
Charles

Thanks. I should have said that I have already done this, and I await their response. I'm not optimistic, however: anybody can deregister from ebay, and all that's left, as in this case, is a hotmail address.
Help for a wally - Mapmaker
What about the police?

It looks like theft/fraud to me.

You have a bank account number (presumably you transferred the money into this?)

Banks have strict money-laundering regulations that require identification of new customers (I think we can assume that this will not have been an account that pre-dates the new regs).

Ebay require some sort of bank details as well when you register.

Surely that must be a start (although I imagine that the trail will be well hidden. Although to be frank, £600 isn't worth putting that much effort into stealing, is it?)

Help for a wally - Mapmaker
Better idea.

Under the new money laundering regs, it is an offence to be involved with the proceeds of crime. (IANAL, and some of my terminology may be a bit off, but I'm sure there are some legs on the idea.)

The bank is assisting (unwittingly) in laundering money/dealing with the proceeds of crime. Tell them, and they are no longer an unwitting party. That ought to frighten them into some action.

Help for a wally - smokie
Dunno if there is any protection if you paid by credit card...?
Help for a wally - topaktas
Regrettably I paid by bank transfer.

Mapmaker: thanks for thoughts. I have indeed contacted both ebay and the bank, and await responses from both. You're right, £600 is not that much, but I believe this scammer is at it again, and was probably at it before. Doing a couple of such scams a month is a nice little earner (with mugs like me around!)
Help for a wally - Mapmaker
On second thoughts, I fear you will be out of luck as there is no interest from the banks or police in proper organised crime.

Bank rang yesterday to say that a cheque had been presented to them last Friday for £24,816. (Would I drive a car like this if... (probably, actually)?) I had cancelled chequebook last Thursday as it never turned up in the post (third cheque book not to arrive within a 6 month period!). & another for 14,907 presented on Monday.

Bank suggested I should get a crime reference number. No interest though in working out who had pinched the chequebook from the post; who had presented dud cheque; who had writted dud cheque.

I imagine the police have better things to do like stopping law-abiding motorists from doing a legal 80mph on the motorway...

Downright stupid! The bizarre thing is that if they had written out cheques for say £116 nobody would ever have noticed.


Are you willing to confess to what you (didn't) buy as a warning to others?
Help for a wally - joe
Mapmaker, it is not you that ought to be reporting this to the police, it is the bank. There has been an attempted fraud, but it is not a fraud on you. Had the bank cashed the cheque, they would not have been entitled to debit your account, as they did not have your authority to do so.
Rented Property - Money owed. - THe Growler
I have a tenant in my UK property who owes me a lot of rent and has decamped. The rental agent makes mealy mouthed noises about recovery but no result. I want to put the hard word on this guy via my own lawyers but the agent says he can\'t reveal information about the tenant\'s whereabouts because that would breach the Data Protection Act. never heard such nonsense in my life. More than that, the tenant is a friend of the agent. Suspicious methinks.

Whose side is the agent on FCS? Anyway I have said my lawyers will simply sue the agent, that seems to have had an effect and he has postponed his golf matches and risen from his seat to take some action in the last few days. This is a lot of money and these pantywaists are all to ready to get your business, then simply abdicate their responsibilities when you have a problem and they are supposed to be acting for you.

If that fails, a good friend of mine has a beautiful Russian wife with extensive connections in St Petersburg who says she can arrange to have a large gentleman called Oleg in a long leather overcoat pay these creeps a visit. For a percentage natch.

I just wonder why it is in Britain people can get away with evading their responsibilities with apparent total impunity.


Rented Property - Money owed. - PoloGirl
Growler...

Find out if your agent is a member of the Association of Residential Letting Agents (www.arla.co.uk) - most reputable ones are. Ours is, and operates a guaranteed rent scheme for our landlord, whereby she gets her rent from them, and it\'s up to them to get it from us. Might this be in your contract with them?

That aside... found this on the ARLA website for you:

\"What does your agent do if it all goes wrong?
Solicitors have to be instructed on your behalf to take the tenant to court to regain possession, or correct whatever breach of contract the tenant has committed. An experienced agent will know when this is unavoidable, will advise of likely costs and timescales, can instruct solicitors on your behalf, make all appropriate files available to them, appear as a witness and do everything to facilitate a speedy solution.\"

If he is a member of ARLA but isn\'t helping you, you can report him to them.

Otherwise I would have thought if you instructed your own solicitor, the letting agent would have to reveal to them if he knew where the tenant was. Not sure on that bit though as I\'m not a legal bod. Strikes me the Data Protection Act is an all too frequent excuse for people not giving out information they should though!

Apologies if that\'s no help whatsoever. Hope you get it sorted.
Rented Property - Money owed. - Cardew(USA)
Growler,
Civil offences like this can be a nightmare.

Clearly your agent should take action to recover monies owed and your conventional threat(solicitor) or unconventional threat(Russian) might get some results.

The problem comes if your former tenant cannot or will not pay up - assuming he/she is found. Courts often order the money owed to be paid back at pitifully slow rate. They then default on those payments and the whole legal process starts again - with bailiffs etc.

Several of my friends have had problems letting their homes whilst working abroad and IIRC all were out of pocket as a result as it all became too difficult to pursue.

Hope my pessimism is misplaced.

C
Rented Property - Money owed. - THe Growler
Thank you folks. I have had 2 emails today from 2 firms of solicitors specialising in this kind of thing (they claim) and both are equally glum.

Gaining possession they say should be straightforward. Getting my money back probably not. But both said they felt the agent was protecting the tenant because he is a friend and they would use other (legal) means of detecting his whereabouts.

Some bullets to be bitten, and some cheques to be written.....

:+(
Rented Property - Money owed. - spikeyhead {p}
The best advice I've ever had form a solicitor is "never sue a poor person."

This may apply in this case, but if you have a gauranteed rental scheme with the leyyign agent then sue him. If not, sue him for negligence if he cannot produce evidence of following any agreed vetting procedure.
--
I read often, only post occasionally
Deed of variation on Will - hxj

Sorry but with a write up like that from Mapmaker I cannot help but reply, even if it is a touch late.

IHT planning is a difficult and complex area and full of traps.

I am not aware of a scheme that allows you to put assets in a trust, ignore them for 2 years and avoid an IHT charge, sorry, if it was that easy I couldn't afford to live!

Deeds of variation are an excellent way of re-writing a will but need to be dealt with effectively. The IR website at www.inlandrevenue.gov.uk has some helpful advice.
Use it as it is free!

Nil rate band trusts can also be useful as can will trusts designed to house assets for the younger or less mature individuals.

The major cloud on the horizon is the new Pre-Owned Asset Tax. This could cause all sorts of difficulties in the sort of family planning that you are intending (but probably less than no family planning to abuse an old joke!). Unless the deadline for the Deed of Variation is rapidly approaching I would await the final rules to see exactly what they say.
Deed of variation on Will - Mapmaker
>>sorry, if it was that easy I couldn't afford to live!


But the owners of such assets could - thanks, Gordon!

Just worth adding that the Pre-Owned Asset Tax only applies to assets where the donor continues to benefit from the asset, and if all Hugo's father is gifting is cash, he is unlikely to fall within these rules.

Also that the deadline for making a Deed of Variation is 2 years from death, and that the deed needs to be sent to the Inland Revenue within 6 months of its being made.



Deed of variation on Will - hxj

Sadly the Pre-Owned Asset rules currently apply where son buys an asset funded by gift from Father and father then uses the asset.

So son buys a property with gift and then lives in it as his residence. Three years later father comes to live with son then the new rules will apply.

Or at least they might, but that would actually depend upon what they finally say as currently the position is a little confused.

Deed of variation on Will - Mapmaker
Given the fungibility of cash, that's just an invitation for lawyers & tax accountants to take money off clients.
Deed of variation on Will - hxj

Actually it is an excuse for the government to do so!

Not, thankfully, being a lawyer or tax accountant I wouldn't know about taking money off clients!
Deed of variation on Will - malteser
Best advice is to convert every thing into portable and easily saleable assets, claim you lost the proceeds betting on the gee-gees and hide the dosh very well - not in a bank account.
Roger in Spain
Deed of variation on Will - THe Growler
hehe, another long-time expat speaks! The dictum of "stay liquid" is sacred.

Added to Roger's remarks I would also say take it all offshore, plenty of safe confidential havens. But not in the IOM or CI anymore, the EU is after them to close them down, though it may take a while.

I would never take it upon myself to give financial advice to anyone but one could always sell one's house to a company one's de facto live-in just happens to own in the Dominican Republic then become a mere tenant paying a peppercorn rent......I wonder how I know that.

Facetious I know, sorry. But if you want to protect your assets bold steps and lateral thinking are called for. We exiles are well used to that. There are companies in the UK who can assist and you won't be breaking any UK laws.




Twisters - frostbite
Having paid my house & contents insurance to the same company for several years I was disgusted (but not amazed) to be told "you're not covered for that" when I phoned them today.

Reason for the call was that the gales had broken a large chunk off my tree and it had landed in my neighbours garden - luckily causing little damage, but causing a large obstruction and needing to be cut up and removed.

When I mentioned that a remaining section was threatening to fall and damage my house in the continuing high wind, the response was "you're not covered for that either, because it's now a known hazard which you need to deal with".

Are there any lengths they will not go to in order to avoid paying a claim? According to them, 'you need to be __________', but I certainly won't be in future!
Twisters - smokie
You may not recall my thread a few months back about my daughters car being damaged by roof slates falling off a house and hitting her car. She only has 3rd party.

After waiting ages for the house insurers to settle, we have been told that as it was an Act of God it wasn't covered.

I guess I'm grateful no-one was injured. The chaos at the time was enough to hit the front page of the local rag.
Twisters - NowWheels
Poor God. Why do the insurers always try to blame her for the bad things?
Twisters - Civic8
Dont you mean blame him?.as far as I`m aware it means out of control of insurance co?.really depends on co and what they specify is act of god.?
Was mech1
Twisters - Adam {P}
I was reading my policy handbook (I was bored waiting for someone in the car) and was shocked to discover I'm not covered for:

1) Insurrection, revolution or rebellion
2) Civil War
3) Terrorism
4) Invasion
5) War, hostilities or warlike aciivites
6) (this is the best one) - Civil Commotion
7) Usurped Power


It goes on but I thought it appropriate for this thread.

Adam
Twisters - THe Growler
You missed out earthquake, typhoon and flood.....
Maths - Mark (RLBS)

Right, this is really naffing me off, mostly becauses its schoolboys maths and I can't remember how to handle it;

Imagine the following facts about a pice of building work;

Total cost £1,000
Total area 50 sqm

Therefore the average cost per sqm is £20 (1000/50)

Room 1 is 15 sqm
Room 2 is 35 sqm

Therefore cost of;

Room 1 = £300 (sqm * (total cost / total sqm))
Room 2 = £700

Easy.

However, from a labour point of view, the work is twice as time-consuming in room 1 as it is in room 2. So I need to distribute the total cost bearing in mind the square footage and the difficulty level assuming the cost is labour only

So, If I need to work out the correct sqm average for each room I need to be able to weight the answer.

And can I remember the sodding equation, can I heck as like.

I can work out the answer in my head, but I cannot nail it to a formula in excel.

I need a formula because I need to apply it to a variety of instances when all measues may vary and I need to change them.

Help ? I know I'm being dumb, but after the week I've had my brain is like mud.



Maths - Mark (RLBS)
weight * room sqm = weighted room sqm

Room cost = (Total cost / total weighted sqm) * room weighted sqm
Maths - L'escargot
Mark,

If I understand the question correctly, the answer is easy peasy.

Labour cost of room 1 = 2y £/sq.m (Equation 1a)
Labour cost of room 2 = y £/sq.m (Equation 1b)

(i.e. labour cost per sq.m of room 1 is twice that of room 2, and y is as yet unknown)

Cost of room 1 = (15sq.m)(2y £/sq.m) = £(30)(y) (Equation 2a)
Cost of room 2 = (35sq.m)( y £/sq.m = £(35)(y) (Equation 2b)

Total cost = £(65)(y) = £1000

Therefore y = 1000/65

Substitute for y = 1000/65 in equations 1a and 1b gives :-

Labour cost of room 1 = (2)(1000/65) = £30.77 per sq.m
Labour cost of room 2 = 1000/65 = £15.58 per sq.m

Substitute for y = 1000/65 in equations 2a and 2b gives :-

Cost or room 1 = (15)(2)(1000/65) = £461.54
Cost of room 2 = (35)(1000/65) = £ 538.46

Total cost £461.54 + £538.46 = £1000

Quod erat demonstrandum or somesuch!

(Errrrr, what was the question?)

--
L'escargot by name, but not by nature.
The dreaded CSA - No Do$h
Mrs ND MkI and I divorced nearly 4 years ago and a financial settlement reached whereby I got the debts and she got the house, equity and all the contents. I also pay an agreed sum in maintenance, index linked and subject of a formal court agreement. On top of this I pay for the usual extras that my daughter needs from time to time, such as clothes, shoes, contributions towards holidays etc.

So far so good, and all mutually agreed.

Mrs ND MkI gets made redundant in October and is making noises along the lines of \"Well you\'ll have to pay me more\". Now as the divorce stemmed partly from her singular failing to do anything for herself I find this a bit rich, if you\'ll pardon the pun.

Since the divorce I\'ve built a new life, started my own business and now have, well lets say a larger income. Mrs ND MkI was a positive hindrance to my attempts to go down this route and my current financial situation owes nothing to her.

Given that the financial settlement and maintenance were all agreed and set in a formal court order, can the CSA still order an attachment on my earnings based on my present financial circumstances? If so, I can easily make arrangements that will allow me to stick two fingers up to the CSA and the ex Mrs ND but the more warning the better.

Any advice greatfully received.

No Dosh.
The dreaded CSA - Mark (RLBS)
Yes they can. Make the arrangements.
The dreaded CSA - Altea Ego
Yes and No

The settlement to your wife was set by the court. To change that she would have to return to court.

The kid is a different matter. A review by the CSA can be called for if your income changes by 5% or more, or your ex wifes income changes.

Get legal advice now.

The dreaded CSA - Hugo {P}
What many people don't know about the CSA is that the ex wife may not get (and often does not get) the full amount that the ex husband pays in.

For example, it is not uncommon for the ex wife to get say £250 per month when the father of the child is paying in say £400.

I only know this because I used to sit next to a colleague who was a victim of the CSA, he lived and breathed bitterness against them!

There are several organisations up and down the country run by volunteers that help people in your situation. I'm sure you'll find plenty on the web.

A number of "absent fathers" have gone to the ex with settlements, so for example in the above example, around £325 has been agreed upon and the mother has removed her authority or not approached the CSA, as it means getting more money than the CSA would pay.

Good luck!

Hugo
Credit card under payment - watch out! - Hugo {P}
Not a lot of people may know this!

I pay my card bills in full on time each month, with the exception of last month when my mother died. In that instance the card company waived late payment and interest charges for the end of May due to exceptional circumstances etc, which was kind of them.

However, I noticed that at on the May statement there was debit entitled "Purchase Interest Charges" of some £26 odd.

When I enquired about this I found that I had underpaid my account in error by less than £100. The total payment was in 4 figures. I had then been charged one months interest on the whole amount due (including what I had paid), not just the amount I had underpaid by!

My credit card company tell me that this is an accross the board practise for all credit cards, not just mine.

They have agreed to make the appropriate refund to my account on this occasion. But just as a warning to others, especially those that are trying to pay off credit card debts.

Does anyone else's card company do the same as this?

Hugo

PS, anyone know the name of that Journo that comes on Radio 2 occasionally to slag off banks etc?
Credit card under payment - watch out! - PhilW
"Does anyone else's card company do the same as this?"

Yes, my wife found this to her cost when we had been on holiday a couple of years ago. She estimated the amount to pay off on the statement due while we were away, underestimated slightly and was charged interest on the full amount despite paying the vast majority early.
She was told "read the small print" when she complained. Hadn't realised because she had been a full payer off each month for about 20 years.

Credit card under payment - watch out! - Cardew
Some while ago I had a bill of several hundred pounds and 98p. I paid in full as normal but inadvertantly made the cheque out for several hundred pounds and 89p and got an interest charge of several pounds on 09p!. The card firm refunded the interest when I contacted them.

I now have a direct debit that pays my bill in full on the last day for full payment - my bank is not the same as the card supplier.
Credit card under payment - watch out! - Mapmaker
Standard practice, I'm afraid.

WARNING When you set up the direct debit, make certain that it is for the FULL AMOUNT, and not the MINIMUM amount or a FIXED amount.

Because they want your hundreds of interest, they will only offer you minimum/fixed when you ask, but if you specifically tell them you want the full amount paid off monthly they will let you do that as well.

Well worth SHOUTING, as they're complete so and sos!
Credit card under payment - watch out! - Cardew
You are correct.

On 2 credit card accounts I was required to fill on a form for the Direct Debit mandate. On neither form was there provision for payment in full. I had to put a line through the 2 options(fixed or minimum amount) and write in manuscript "payment of full amount"

It has worked well for a couple of years and is particularly useful if you are abroad at payment time.
Credit card under payment - watch out! - Martin Devon
Hugo, I think his name is Martin Lewis, but no g/tees.

Regards.
Credit card under payment - watch out! - Dalglish
Hugo, I think his name is Martin Lewis, but no g/tees.

>>

yes, i think he is the one. his web site is

www.moneysavingexpert.com/
Employment Law Query - BobbyG
I work for a large company (A) and this has recently been taken over by Company B.

My contract states that I get paid a salary for working 39 hours, which is the full time number of hours. If I work Sundays, I get paid double time.

Company B's full time employees work 46 hours a week and Sunday is seen as being part of their normal working week ie they work any 5 out of 7 days. However, they do receive a premium payment if one of their worked days is the Sunday.

Company B is open about the fact that they are consulting with unions etc with regards to "harmonisation" of the pay and conditions.

Can anyone advise me what the company can and cannot do in this situation. As a manager, I realise that I may be leaned on heavily to just accept it but I don't see how my conditions and pay should be able to be changed without some sort of compensation.

Any help would be appreciated.
Employment Law Query - Dynamic Dave
When the company I work for was sold to another company, our T\'s & C\'s remained the same under the Transfer Of Undertakings (Protection Of Employment) Regulations 1981 (TUPE) agreement.

www.dti.gov.uk/er/tupe/consult.htm

(Typing \"TUPE\" into any search engine will give you more sites as well)

Employment Law Query - Altea Ego
Unfortunately TUPE does not apply in this case. There is no transfer of undertakings taking place in the strict sense of the tupe regulations.
Employment Law Query - Mark (RLBS)
Your Ts&Cs cannot be changed without your agreement.

However, there are things which can be done. Typically that is usually something like a one-off payment to change, or not letting you enter the improved bonus scheme without accepting all T&C changes etc. etc.

Also, bear in mind that your employment is only protected for a short period of time by law, although the S&P agreement may specify a longer term. Clearly redundancy would need to be justified, but you are not safe from it. And, screams of outrage and disbelief to one side, redundancy especially in a merger situation can be, and frequently is, manipulated.

However, what is difficult is pressurising people to accept something. That can get screams of wrongful or constructive echoing around the hallways, so is not usually a significant problem.

If you are a member of the union, I suggest you consult pdq.

If you want more detailed stuff specific to yourself, you are welcome to e-mail me and I\'ll give you what advice I can. But if you are seriously concerned you should seek professional advice.
Employment Law Query - Hugo {P}
I would echo Mark's comments above.

One trick my last employer used was to ask people to waive their lengths of service when they were offered a job in a new and progressive Joint Venture. Many old timers could smell a rat and with redundancies a couple of years later, that rat was really there.

My guess is that the fringe benefits that are not protected by law will be the first to go, and then pressure will be brought upon those who are senior enough to be dragged into directors' offices and given a dressing down if they complain.

I have seen very subtle pressure brought on some of my senior colleages when changes are afoot.

The agreed redundancy package may well be affected, or held in abayance to coerse cooperation "In the current climate". As Mark says, redundancies often follow a merger and are usually, not frequently, political. At more junior levels the process is at least seen to be done correctly by most, because the junior ranks often have no hesitation in going to the Industrial Tribunal. More career minded people (usually at more senior positions) are less often protected from the real politics of the situation, as they are more likely to bite the bullet, take the cash and a good reference and get busy becoming re employed.

Get professional advice on your rights, but you may have to temper these rights with your desire to remain employed. Remember you have rights to dig your heels in, but your employer has rights to make you redundant.

All the best

Hugo - made redundant in 2003, now self employed, oh and I was a union rep!
Employment Law Query - Dalglish
bobbyg:

just try to imagine how and why it is company b that has taken over company a rather than the other way round.

what your rights are, and what happens in reality will depend on how ruthless company b turns out to be.

in the end it may all boil down to this:
you will have to judge whether you want to work for them, take them to a tribunal, take whatever redundancy they offer, or accept the new terms without creating the impression that you have an "attitude problem".
none of this will take account of whether it is fair or unfair or inhuman or whatever. the new owners will likely be looking to make the old employees fit in with their culture and anyone who appears not to will soon find their post is now redundant.

your best hope is that company b is a decent organisation which values thier workforce as their most important asset.
Employment Law Query - BobbyG
Thanks for the replies to date. Unfortunately, it would appear that company b does not exactly value its employees.
At one of its sites, which has been open 4 months, it has 68% labour turnover in that time!
Think its time to get the cv ready...
House prices - L'escargot
Are house really only influenced by supply and demand? Or are they also significantly influenced by the different degrees of aggressiveness of estate agents in different localities? My experience makes me tend to favour the latter. In any given town (or area) it's only natural that estate agents will study prices being asked by their competitors. It only needs one or two agents to adopt a more aggressive pricing policy and the others will follow their lead. And then prices in that area will rise.
--
L'escargot by name, but not by nature.
House prices - Ben {P}
I think house prices are strongly fueled by expectation which is often stoked up by agents. I have heard from an agent that although prices are stable, and still rising slightly in some areas of his patch, he is showing fewer and fewer people round these houses. I interpret that as a situation where demand has fallen and prices have remained the same. I think that if people ever come to expect a crash prices will then fall below the "market rate" (ie as determined by supply and demand). Agents can only push up prices if they have customers capable of paying it. Thus a significant factor has been cheap, and easily obtainable credit. Many lenders have been fiddling the forms allowing mortages that are up to five times the size of yearly incomes.

House prices - Dalglish
les:
very simplisticly, ignoring economic theory aand interest rates and human psychology, then in my view house prices are driven by the buyers. the sellers will just take the maximum they can get from the buyers. unless of they they are a charity devoted to selling houses at a lower price to the needy who are not greedy.
House prices - Cardew
From an Estate Agents point of view all transactions should be as quick as possible (and preferably with the buyer using their financial services - cos that is where the profit is made) Then there are few time consuming viewings and costly adverts. To achieve this the asking price should be realistic.

However given the salary for valuers is heavily dependant on commission it is imperative that they get property 'on the books' and rather than lose the customer they will take on property above the going rate. The usual cry is "I think £x is achievable for this property but we will put it on the market for £x plus y% and we can always come down in price later."

Now Mrs Smith decides to put her house on the market and sees that £x plus y% is the going rate for comparable property and will not consider putting it up for less - especially as the value of her property is enhanced by the garden gnomes!!
House prices - Mapmaker
>>From an Estate Agents point of view all transactions should be as quick as possible

Only if they're working to capacity & can get new property in to sell after they've sold that one.

They're better off having a glamorous overpriced property on their books for longer as it will tempt people into buying a different property on their books.


This is supply & demand in action - as it's the perceived supply & demand as perceived by the vendor/purchaser. To the extent an aggressive agent can stoke up the prices, the agent benefits.
House prices - L'escargot
What makes me doubt that it is purely supply and demand that governs house prices is that when I was looking to move house I noticed several properties that had been for sale for a long period (up to 2 years) and yet the asking price of these properties still kept going up and up, keeping up with the prices of "new instruction" properties. If supply and demand was the governing factor, surely the price of properties that didn't sell would go down or at least remain static until they did sell.
--
L'escargot by name, but not by nature.
House prices - Mapmaker
>>If supply and demand was the governing factor, surely the price of properties that didn't sell would go down or at least remain static until they did sell.


True, but it depends on the perception of the vendor & the desperation of the vendor to sell. Desperation is again S&D in operation, as D is lower than S, so the price has to be reduced.

You have to look at every price-move by the vendor as a change in his perception of demand. If it doesn't sell, his perception does not agree with the perception of the purchasers in the marketplace.

You have to look at every offer under or over the asking price by a purchaser as his perception of demand.
House prices - THe Growler
I think that's the nub M. L'Escargot.

Going through something like that at the mo with a property in Lincs. Trouble is my agent isn't aggressive.....
House prices - L'escargot
Growler,

I'm convinced it's the nub. If the property you're talking about is the one you've mentioned before (at Leake Common Side), it's a pity it's so far from the county town ~ Lincoln. That was the area I was hoping to move to, and I know from bitter experience that Lincoln estate agents are definitely aggressive ~ in fact most of them must be on a diet of raw meat!
It might be worth an enquiry as to whether one of them could help. Most of the national estate agents have an office in Lincoln, and what does it matter how far your property is from the actual office if you can get a buyer via internet advertising?
--
L'escargot by name, but not by nature.
compulsory purchase of land - Hairy Hat Man
It is highly likely that a significant part of my garden will be bought by compulsory purchase in the next couple of years (though it is not yet a certainty). Does anyone know if I might increase the value of that bit of land (and thus the compensation) by getting planning permission for an extension / granny flat / garage on it?
compulsory purchase of land - Mapmaker
Obtaining planning permission will enhance the open market value of your land. No doubt.

Whether that will increase your payout will depend on the terms of the compulsory purchase order. They may only pay out for value as at 31 December 2003 (say), so your planning permission will not help. They may only pay a fixed rate per square metre for the whole compulsory purchase - so your 'improved' land will be paid out for at the same rate as the 'unimproved' land next door.



compulsory purchase of land - Tim
Why are they CPOing you? Financially it would make more sense for you to work out an agreement outside of this if at all possible - and you can perhaps influence what goes onto the site in relation to the impact it would have on your property.

compulsory purchase of land - Bromptonaut
The rules are (or were) complex and depend amongst other things on the reason for the Compulsory Purchsase. I would think it extremely unlikely that improvement after the CPO is confirmed, and probably after it is a known propsect, will enhance the price you get on acquisition. On the other hand if there were a reasonable prospect of getting planning permission then that would in itself influence the market value. Presumably the acquiring authority is still required to fund independent valuation advice. Take it!!!
compulsory purchase of land - Altea Ego
The chances of getting planning permission to do anything on land that has a potential CPO (and therefore possibly planning permission already lodged that predates yours) is close to nil.
compulsory purchase of land - Hairy Hat Man
Thnaks to everyone for your views so far - it's certainly interesting situation.

As we stand, no planning permission has been applied for to use the land. A tram line is being built on the land and the council(s) have yet to apply to the government for a Transport and Works Act Order (TWAO). Part of that process will include a public enquiry next spring, and only after that can any land be purchased, so nothing is definate for many months yet.

We share a boundary with a college who have succesfully got planning permission for a new classroom block on the land which might have been used by the tram, (but which now can't and hence, perhaps, the reason for taking so much of my garden). When planning permission was granted to the college, the route of the tram was well known, though less detailed than now.

I think I'm going to need to seek legal advice from a specialist in this area. Anyone know how I might go about finding such a legal specialist?

compulsory purchase of land - Mapmaker
www.lawsociety.org.uk

compulsory purchase of land - Happy Blue!
Hello Hairy Hat Man

You don;t need a lawyer, you want a Chartered Surveyor with knowledge of Compulsory Purchase Law and valuation knowledge as well. I happen to know one - me!

If you are in Manchester, I think I know what you are talking about and can possibly help.

Look at our website www.longdenandcook.co.uk

What should happen at some point as that the surveyors fees will be met by the acquiring authority. But that seems to be some distance away.
--
Espada III - well if you have a family and need a Lamborghini, what else do you drive?
compulsory purchase of land - Hairy Hat Man
Hi Espada III,

Thanks for your offer, however I'm not in Manchester, though 80 miles distance ought not to affect your ability to help?

Can I contact you via your company's email address?
Thanks - Hugo {P}
Just a note to say thanks to a few answers to my queries. I haven't looked in for a while and I have lost count of the people that have come to my aid over a few non urgent but never the less imprtant issues.

Thanks all

Hugo
Panasonic / Sky codes - mare
After the weighty issues on this thread, i have a tiny question:

has anyone got the code number to programme a Sky remote control to work the telly?

I have Panasonic digibox and Panasonic TV. I remember that there is a special code for Panasonic to Panasonic. Of course, i have, er, mislaid the manual, so RTFM does not apply.

Help appreciated, especialy as the remote controls are taking over the living room....
Panasonic / Sky codes - No Do$h
Bad news; there's loads of them

Panasonic
578 254 278 154 242 368 191 302 128 544 241 065 395 379 389 103 576

If it's one of the newer remotes that needs a four-digit code, try 0051

Good luck!
Panasonic / Sky codes - harry m
0051 is the one i use on my panasonic.
Panasonic / Sky codes - mare
Thanks both

as soon as i can remember how to programme it (TV and red together?), i'll let you know

Thanks again

"Private drainage" and "oil fired" - Brill {P}
Some property details say 'services: private drainage', which I take to mean a cess pit(?). Anyone have experience with this, and can give me the pros and cons, how it works, and what to check/ask please? (village property).

Also, with no mains gas the heating is oil fired, so any comments on this also welcome (it's a big house!).

Thanks,
Stu.
"Private drainage" and "oil fired" - hootie
Hi Brill, I can only tell you about our experience in a similar situation (new house, mile outside of a village, no mains drainage or gas)

The heating is oil, we have a large house containing 32 radiators (17 downstairs and 13 upstairs, I put that because it sounds such a lot) A big floor standing boiler and a huge oil tank. It's cost us £1214.75 in oil since March last year (the last bill for I think 1500 litres was £210.43 inc VAT) The price of oil changes ever day though, so you need to try and fill up when it's cheap (make sure of a big summer fill)
Servicing of the boiler is a bit more expensive than gas, and of course you have to pay and store your fuel, as opposed to paying in arrears - you also have to remember not to run out, but you can get a service that indicates inside the house (Guardsman?) that ties you though to one supplier usually.

You'd need to check on the condition of the oil tank, and that it's retained within a brick wall to prevent leaks escaping (regulation)


As for drainage - we have mains water supplied, but a tank for drainage - ours is the kind that needs a yearly service (for the blower/filters etc) and emptying as recommended by the engineer.
Last year cost of water(metered) + insurance policy that includes service + emptying, totalled £441 - although as our tanks's shared by neighbours, they contributed back proportionally to the cost of that part - so it works out cheap for the size of the house, compared to what it would be on Ratable Value.

You have to be careful what goes down the loo though - anything other than toilet paper and the engineer tells you off! (with good reason)
Oh and they tell you not to use too much bleach/disiinfectant/too many loads of washing one after the other, as it can disturb the chemical balance in the tank.

Ours is a modern arrangement though and once again an older one may be different or need checking out - my friend moved to an old house and two days after moving in found the back lawns flooded with the contents of the tank!

HTH
"Private drainage" and "oil fired" - L'escargot
You'd need to check on the condition of the oil tank,
and that it's retained within a brick wall to prevent leaks
escaping (regulation)


Have to disagree that the tank has to be "bunded" within a brick wall. When I bought my present property (15 months ago), my solicitor originally thought that it was a legal requirement. Fortunately she eventually found out that it was a only a recommendation, in other words it is considered by some to be good practice. Unless, of course, it has become a definite requirement in the last 15 months. In which case I will butt out!
--
L'escargot by name, but not by nature.
"Private drainage" and "oil fired" - Onetap
I've always thought that oil tanks did have to be bunded. Modern plastic ones are double-walled I believe, so don't have this requirement.

Water, from condensation, gradually collects in the bottom of the tank. It can rust steel tanks and can damage the oil pumps.

"Private drainage" and "oil fired" - Stargazer {P}
Brill,

'Private drainage' can mean a septic tank but it can also mean a private sewer which has not been adopted by the water authority. I have seen both on village properties.

A well maintained septic tank is no real problem, hardly if ever require emptying, just take care exactly what is flushed/washed down the drain. IE avoid strong bleaches, chemicals, disposable nappies.

It is possible to kill all the bugs that do the work in the tank if anyone in the house is on a course of anti-biotics, you just need a
small septic tank starter pack to get them going again.

Certainly a septic tank or oil CH would not put me off the right house.

regards

Ian L.
"Private drainage" and "oil fired" - Mapmaker
Both pretty straighforward. If an old septic tank (i.e. not new build), make sure your surveyor has looked at it and checked that it is apparently in working order.

When they do require emptying (which in most domestic applications is virtually never, say every several years as they are supposed to break down the solid matter of their own accord), the council will come and empty it. Chap always appreciates a mug of tea and a bacon sandwich. Cambridgeshire charge £106 for emptying. Some big septic tanks require two loads, so would be £212 - but if they're that big, you won't ever have to empty!
"Private drainage" and "oil fired" - nick
Both pretty straighforward. If an old septic tank (i.e. not
new build), make sure your surveyor has looked at it and
checked that it is apparently in working order.
When they do require emptying (which in most domestic applications is
virtually never, say every several years as they are supposed to
break down the solid matter of their own accord), the council
will come and empty it. Chap always appreciates a mug
of tea and a bacon sandwich. Cambridgeshire charge £106 for
emptying. Some big septic tanks require two loads, so would
be £212 - but if they're that big, you won't ever
have to empty!

My local farmer charges £45 to empty a tank of whatever size as long as it'll fit in his ginormous tanker. Never had to do it yet though. I'd steer clear of the council and shop around.
"Private drainage" and "oil fired" - AN Other
Septic tanks are great. My parents' house has one, and they've lived there for 30 years. Cheap to run, no water company charges for waste water, and environmentally friendly. Every so often it needs emptying with a gully sucker type machine. Look under "sludge" or "waste disposal" in the Yellow Pages and give one of the companies a ring. They'll tell you how often and what this costs.
"Private drainage" and "oil fired" - helicopter
Be wary of these guys and check the actual volume of the tank as i knew of one guy who was told by the waste disposal firm that they had removed 20% more 'cess' than the pit actually held. He was overcharged for years.
When he found out the scam he successfully sued.
"Private drainage" and "oil fired" - L'escargot
It is possible to kill all the bugs that do the
work in the tank if anyone in the house is on
a course of anti-biotics, you just need a
small septic tank starter pack to get them going again.


Having researched the subject of septic tanks in some depth, I have to disagree with your comment about the need for a "starter pack". A new tank, or one that has been completely emptied, only needs a helping of human effluent to get it going. In fact the experts state that so-called "starter packs" at best are a waste of money, and at worst can be detrimental.
--
L'escargot by name, but not by nature.
"Private drainage" and "oil fired" - Mapmaker
And a dead rat is excellent too for 'getting it going'. I too find it difficult to believe that a course of antibiotics can kill all the bacteria in a tank, but maybe I'm wrong. I also doubt greatly whether you can 'completely' empty a tank of bacteria.
"Private drainage" and "oil fired" - Stargazer {P}
Mapmaker, L'Escargot

Just my experience from a cottage in France where the tank was subject to infrequent (a few weeks every couple of months) use. The bugs worked best is 'fed' on arrival to get the tank going. We once had a visitor who unbeknown to us was taking a course of tablets....didnt do the tank any good. OK so probably a slightly unusual case where usage was infrequent.

I bow to the experts for a tank in regular use.....

StarGazer



"Private drainage" and "oil fired" - Mapmaker
As mine was fed by a pack of hounds, it needed emptying every 3 months, so was not really a proper, self-consuming septic tank. It never smelled, though.
"Private drainage" and "oil fired" - L'escargot
Brill

To get back to your request for pros and cons, the pros are probably not too important. It's the cons that mean you have to compromise. I have both septic tank and oil heating. The cons I have to accept are (a) part of my garden is very wet (even in summer) because of how the outlet water from my septic tank disperses via land drainage pipes, and this is aggravated by next doors ancient soakaway system which is close to my boundary and (b) having oil instead of gas means that I don't have a gas fire to provide cheap top-up heating in my lounge, and this I really miss. Regarding the soggy part of my garden, my neighbour is of the opinion that there are too many septic tanks and/or soakaways too close together and he could well be right. This situation is probably quite common in existing rural housing developments. It probably would not be so bad if the soil were very light and free-draining, but unfortunately mine is clay.
--
L'escargot by name, but not by nature.
Contract for builders - Mapmaker
Does anybody have a specimen contract for work with some builders (small household work)? Or at least have a list of the common things in a contract:

retentions; payment schedule; snagging etc.
Contract for builders - helicopter
Mapmaker - It depends how small the work is. I never, ever pay this sort of work up front.If tradesmen or builders refuse to start work without payment , go elsewhere.

I always use someone whose work I have seen in the neighborhood or has been recommended .

If you then have a problem you have the money in hand to sort it out.

If it is bigger work arrange stage payments, ie 10% deposit, 10 % on satisfactory completion of x etc etc and retain 10% for say 3 months after final completion.

If your work is big value it may even pay to employ a quantity surveyor who will measure the work done and you pay against his measurement at agreed rates.
Contract for builders - helicopter
I am sure that the Institute of Builders do a standard form of contract but a cowboy would not honour it anyway.

Ensure you itemise EXACTLY everything you consider is to be done by the builder and get his signed acceptance before the work starts.

If you use a contract form ensure you get everything in writing and incorporate ie

Work to be carried our in accordance with the provisions of Mapmaker letter to builder dated x
Builder letter to Mapmaker dated x
Email MM to builder dated etc.


If you agree any changes put them in writing as an amendment to contract- this is essential because all builders make money on changes to the original - Don't let Mrs MM decide she wants to change the colorscheme when the builder has already bought the paint...
Contract for builders - Mapmaker
>>Don't let Mrs MM decide she wants to change the colorscheme when the builder has already bought the paint...

You don't know me very well, do you, helicoptre? All instructions are issued by Mm, and are not subject to change! There is no Mrs... (Applications for vacancy, in writing, plese.)
Contract for builders - Mapmaker
Also meant to say, thanks Helicopter.

'but a cowboy would not honour it anyway' - but at least he couldn't take me to court for something not in the contract, and a cowboy is only a problem if he has your money up front...
Contract for builders - Altea Ego
here you go mappy

www.findabuilder.co.uk/why/DPDFMergerNETv100/myApp...x
Contract for builders - Mapmaker
Top man, thanks!

Anybody know anything about replacing a lath & plaster wall. (Previous occupants had house re-roofed. Top floor wall is as soft as blue stilton, presumably as result of previous water ingress.)

What is the procedure?


Also, anybody know anything about stripping wallpaper from lath & plaster? All I know is that using a steamer is likely to result in stripping the whole wall from the building...

Thanks!
Lath and plaster +wallpaper - Stargazer {P}
Been there, done that.......very carefully!

Seriously it all depends on the stability of the plaster, if old it is likely to be crumbling or even detached from the laths. In my case the whole wall moved a few mm if pressed, the painted woodchip wall paper was holding the crumbly plaster against the laths.

One wall I was able to carefully strip and repaper (it wasnt too bad), another wall I simply pulled down the paper and plaster and used plasterboard to replace the plaster then repapered.

One trick if it is just small detected areas is to carefully strip the wall paper (brush and water plus a small scraper and lots of tlc) then brush with a solution of pva glue and water, this soaks in and bonds the crumbly plaster.

If you have lime plaster be aware that it doesnt combine very well with modern plaster if just patching small areas....it tends to leave cracks.

hth

Ian L.
Contract for builders - Altea Ego
You mean taking out a lath and plaster wall and replacing it in the same place?

In that case there are two ways.

Knock off all the plaster and lathes. Using the existing frame work and modify it or replace with studs and noggins then plasterboard. It shouldnt be load bearing* but if it is by leaving the major posts and beams in place and working round them will be fine.

*Sometimes in very (very) old places the posts and beams were structual and the lathe and plaster were just used as fillers.


Re the wallpaper, if the lathe and plaster is in such a bad state that wallpaper removal will weaken or damage it - it needs to be replaced, normal stripping techniques apply just with added care.
Contract for builders - Dulwich Estate
Hmmm....cowboy builders. You've really hit the mark with me. My problem is the cowboy clients. Always expecting more for the same original quotation and arguing about additional work. "Oh while you're here painting the doors will you just change the handles and face plates for me - I've got the new ones here". Yes, the door needs more rubbing down where the new plate fits differently, the new handle needs adapting and before you know it one hour's gone. Payment - a smile and a cup of tea!.

We never work for private householders unless we just can't avoid it. If cornered, I politely demand 30% upfront, get it and the people get a good job.

I've really had it with bounced cheques too. Another trick is to round down the final cheque by a couple of hundred pounds for some spurious reason and say "sue me for it if you want the rest."

Private householders - the enemy.
Contract for builders - helicopter
Oh Dear - Dulwich - if thats how you view your customers I do feel very sorry for you.

That is why I emphasised to Mapmaker that he puts down exactly what is agreed between the builder and himself so there is absolutely no room for misunderstanding.

Any extras requested by builder or customer then can be agreed at a price acceptable to both.

IMO contracts are all about proper communication ( and a little bit of trust in your fellow man).

I have been making in my working life building , civil engineering , oil and petrochem, and aviation supply contracts for nearly 40 years and have never yet ended up in a courtroom but if you go on any negotiation course the first thing you will learn is that if one party to a contract suspects the other is trying to 'put one over'that way lies disaster.
Contract for builders - Mapmaker
>>Helicopter: That is why I emphasised to Mapmaker that he puts down exactly what is agreed between the builder and himself so there is absolutely no room for misunderstanding.


That's why I was looking for a draft contract...!
Contract for builders - Mapmaker
You see, Dulwich, you've exactly hit the nail on the head. And being a good builder, it's right on the head, too!

Private householders assume they're going to be done. They hear so much about cowboy builders from TV programmes etc. that they assume every builder is a cowboy. Coupled with the apparently outrageous costs of employing a plumber in central London (at £90 per hour or more) then you must have some sympathy with the client.

Add in complex pricing (most builders add in something expecting to be negotiated down (do they?)), the option of paying cash for a discount on that (which immediately takes the work into 'illegal'), and then the expectation of dealing with a dishonest bunch rises further.

Equally, what you write rings very true. Are you interested in quoting for my work - there's a good sized piece of work to do? (I assume you are in Dulwich?)

Provided one is sensible - get references, go to see some of their previous work. Then if possible see if the builder is registered with a suitable trade association etc. (though this is probably no guarantee of anything). Then make certain that the work (and any changes to the work) to be undertaken is agreed in writing, with a sensible contract that neither side can wriggle out of - and indeed they can sue very simply in the small claims court. As we've seen several times, it is possible to win on the small claims track when inconvenienced. The courts take a dim view of people rounding down by a couple of hundred.

A request for 30% cash up front makes it virtually a certainty that your customer will run away from you. Jeff Howell in the Telegraph will tell you not to pay builders up front.
Contract for builders - Dulwich Estate
Right again Mapmaker. The 30% bit frightens off the time wasters. It probably reduces the pool of potential clients by 95% - but no matter, us builders - the good ones, never advertise and are simply over-loaded with work. I dream that I could have been hugely rich by now if our firm did all that came our way but alas quality suffers when supervision goes out of the window in that search for ever more money. Just keep it simple and it works.

As for going to court to get £200 back - yes, it works but you lose a day of your life and get very stressed out. Not worth it for £200. Just move onto the next one.



Contract for builders - Mapmaker
So, are you interested in quoting for my work - there's a good sized piece of work to do? (I assume you are in Dulwich?)
Contract for builders - Dulwich Estate
I am sincerely sorry, please do not be offended, but I won't be quoting for your job. For a start I wouldn't want to fall out with another poster and SE1 is the pits as far as traffic, parking, skips and the rest goes. The leafy suburbs where you can park outside the front door are just fine by me. I like the kind of places where if you don't lock-up after every single time one of our guys goes to the van nothing goes missing. I remember one chap once leaving his hammer on a gate post while bending down to get something from his toolbox. He looked up to see it, er....gone. A passer-by had just walked off with it!

Actually, we mainly work direct for insurance companies.

Contract for builders - nick
The best defence against cowboy builders is having some knowledge of buiding techniques and materials. Assuming one has more than one brain cell (posting here must qualify us all) then ask around friends, relatives etc, get some books out of the library and do some internet searches. There are plenty of building/DIY forums where you can get info. No disrespect to any buiders on here, but it ain't rocket science, mainly common sense and having the knowledge and experience. You can't get the experience quickly but you can soon build up sufficient knowledge to know when the wool is being pulled over your eyes. Plus a demonstration of some interest and knowledge should reassure a decent builder that you have realistic expectations.
Contract for builders - mare
The JCT do a small contract called (deep breath) "JCT Building Contract for Home Owners/Occupiers and Contract for Home Repairs and Maintenance" loosely based on the Minor Works contract which is designed for small domestic works. Also check out the RICS website for some info:

www.rics.org/public/cowboy_builders/

Get it sorted up front, and if you really must change during the works, get a firm cost and programme implication before instructing. Best place for a building contract is in the drawer after you've signed it.
Contract for builders - Dulwich Estate
As a builder, I'd be happy with a JCT contract.