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I Have A Question Volume 101 - Dynamic Dave

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www.honestjohn.co.uk/forum/post/index.htm?t=36676


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How long do you keep financial..... - Chad.R
How long should you keep financial statements/bills such as
Payslips, bank statements, credit card statements, utility bills, insurance certificates
etc. ?

I'm a notorious hoarder and have most of these going back 12 years or more, though not particularly well organised. I toying with the idea of a "spring clean" and was wondering what I should and shouldn't throw out.

TIA.
How long do you keep financial..... - Stuartli
IIRC it's six years in the case of the Inland Revenue.
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What\'s for you won\'t pass you by
How long do you keep financial..... - Stuartli
These links may help:

tinyurl.com/e4xf4

tinyurl.com/7r3vy

tinyurl.com/8vvm9
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What\'s for you won\'t pass you by
How long do you keep financial..... - artful dodger {P}
IIRC you must keep financial documents for at least 6 years (certainly for someone who is self employed or in business). This is based upon the Inland Revenue being able to go back up to 6 years in a tax investigation, although I read this may be changed to only 3 years.

I feel sure someone else will be able to clarify it in the near future.


--
Roger
I read frequently, but only post when I have something useful to say.
How long do you keep financial..... - adverse camber
If you are self employed or run a business and have liability insurance then I think 40 years for the insurance certificates and details.
How long do you keep financial..... - mare
If you are self employed or run a business and have
liability insurance then I think 40 years for the insurance certificates
and details.


Professional Indemnity Insurance is limited to 12 years.
How long do you keep financial..... - adverse camber
cant remember if it was public or employees liability - but it said on the certificates that they had to be kept for 40 years. I presume because of things like asbestos claims.
How long do you keep financial..... - Happy Blue!
Employers Liability Certificates have to be kept for 40 years. We keep our ELC in a picture frame which gets bulkier every year.
--
Espada III - well if you have a family and need a Lamborghini, what else do you drive?
How long do you keep financial..... - AlastairW
6 years is the norm for the self employed. Per the IR two years is enough for anyone else. However, if they suspect you of fraud or wilful neglect they can delve back 20 years into your records, so personally I keep as much as I have space for - stops ID thieves nicking it from the bin if nothing else!
How long do you keep financial..... - Hugo {P}
If you do decide to get rid, buy a shredder. WHSmiths are selling an electric for around £25 IIRC.
How long do you keep financial..... - henry k
If you do decide to get rid, buy a shredder. W H Smiths are selling an electric for around £25 IIRC.

>>
Preferably a cross cut shredder which does a much better job than a strip shredder.

Not the obvious source but I got a cross cut from Woolies, in store, for £15 - half price, earlier this year.

Ah still available online.
www.woolworths.co.uk/ and stick shredder in the search box.
Simple shredder from £10.
How long do you keep financial..... - defender
swan vesta shredder is even more secure,little bonfire,the ash is good for the garden
How long do you keep financial..... - Stuartli
Some of the statements go back 12 years - it won't be a little bonfire...:-)

I remember doing something similar a few years back after a relative passed away.

All his papers were contained in a giant tea chest which was filled to the brim.

Checking each individual item before deciding whether to keep or destroy took hours...:-(
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What\'s for you won\'t pass you by
How long do you keep financial..... - defender
12 years,oh well if youre not supersticious(spelling?) keep them untill guy fawkes next year
How long do you keep financial..... - Cardew
I had to sort out the paperwork when an elderly relative died in his late 70's. He had kept records of all his contributions to a Co-operative society. They started at 3d(old pence)a week as an apprentice and had risen to 5p a week at the time of his death.(he used to drive 14 miles every few weeks to pay in over the counter) There were even letters dealing with his failure to keep up contributions when he was serving abroad for some years during the war.

I understood the purpose was to pay funeral expenses; his estate was paid £145 for 60 years contributions!! It probably cost the society a fortune to administer the account.

How long do you keep financial..... - Stuartli
>>I understood the purpose was to pay funeral expenses>>

My late father-in-law had a similar policy but it was a penny a week with the Prudential; eventually it reached the point when he had to pay no premiums.

To my wife's surprise it paid out more than £600 which is something which still, to this day, strikes me as a genuine bargain.

What's more we had to contact the Prudential last year about another policy taken out by my father-in-law before the war; we still had the original copy.

One of its Scottish offices provided full details of the policy's value etc within a week...:-)




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What\'s for you won\'t pass you by
How long do you keep financial..... - Conditional Identity

What's the problem with a strip shredder?

I only ask cos I have one, but have always thought it good enough, as I mix up the resulting shreds from different docs. It'd be pretty tricky to get much sense out of it.
How long do you keep financial..... - SjB {P}
I use a strip shredder too as it was all of £9.99 and will deter the casual busy body, but stripped paper, even mixed up, is not as secure as you might think; after the bungled Tehran hostage rescue by US forces (Operation Eagleclaw*)that ultimately ended up in the Americans beating a hasty retreat from their own embassy, staff strip shredded documents. The Iranians pieced many of them back together and used them as damning evidence.



*For those interested: www.specwarnet.com/miscinfo/eagleclaw.htm
How long do you keep financial..... - SjB {P}
On reading my post back, an addition before I am corrected! ;-)

It was during the build up to the embassy storming by an Iraninan mob (that prompted Eagle Claw) that documents were shredded, not after the failed operation itself; obviously by then would have been rather too late!
How long do you keep financial..... - Xileno {P}
Argos do a good range of shredders, both strip and cross cutters. We've just bought a cross cutter from them, priced £20 in the catalogue but reduced to £15 when I paid for it. A good quality piece of equipment, it takes up to 4 sheets in one go. Well worth the money.
How long do you keep financial..... - expat
I put old papers in the compost bin. After they have had all the household scraps piled on top of them, been watered regularly and then gone through a worm's gut they are unlikely to be of any use to anyone.
How long do you keep financial..... - henry k
What's the problem with a strip shredder?
I only ask cos I have one, but have always thought it good enough, as I mix up the resulting shreds from different docs. It'd be pretty tricky to get much sense out of it.

>>
For most purposes a strip shredder is fine.
If you have dealt with enough docs and mixed the bits then I agree it should be OK.
I was really referring to a new purchase.
A cross cut is better for very little more cost.
The obvious simple example of the problem is what happens to a landscape page of a spread sheet when it is strip shredded.

Plus cross cut shreddings mix better in my compost bin.
How long do you keep financial..... - drbe
>> What's the problem with a strip shredder?
>>


One of my favourite journals - Which? www.which.co.uk - although I believe it's not everyone's favourite ;-) has just tested shredders in the November issue.

Of the cross shredders, The Ryman MS-1001 at £50 was Best Buy, second the HSM X5 at £40 and third Woolworth's PS-024/B at £15.

Of the strip cutters, the Fellowes Powershred PS-60 was top - although not a Best Buy at £70.

There is a certain satisfaction I get from shredding personal documents, I know, I know, I'm going out this evening.

How long do you keep financial..... - Mapmaker
For the tax year ended April 2004, provided your tax return was submitted prior to 31 January 2005 then the Inland Revenue have up until 31 January 2006 to open an inquiry. If you haven't done anything "clever" and are not self-employed, then 21 months after the end of the tax year.

If you have done something "clever" tax-wise then you need to keep them until 31 January 2011.

If you have done something fraudulent tax-wise then you need to keep them until January 2025.

If you have staff, and have employer's liability insurance, then you need to keep the relevant certificates for 40 (forty, yes, XL) years.

Credit card statements; payslips (but not end of year summaries); utility bills; bank statements - mine all go in the bin as they arrive - although I keep the odd one for the sake of hiring cars, money laundering and sundry other needs to prove my identity.

Insurance certificates - quite a bit longer. I once received a letter from my insurance company about an accident that I had apparently caused 12 months previously. Funnily enough... that was before I had owned the car.

How long do you keep financial..... - Chad.R
As always very informative (and prompt) replies, thank you all.

I bought a cross-cut shredder a few years back which (unsurprisingly) hasn't seen much use - It might be time to get it out and dust it off.....:-)

Thanks again.
Flight Hand Baggage - Paul Robinson
Will be flying Birmingham - Malaga on Friday and intend going hand luggage only. Will I have a problem at the moment having my wet razor in my wash bag in hand baggage?
Flight Hand Baggage - daveyjp
If its a sealed unit safety razor no probs - if it has removable traditional razor blades it's not permitted. Depending on your airline check hand baggage weight limits. We flew with Thomson fly in October and they weighed every piece of hand luggage - anything over 5kg had to go in the hold.
Flight Hand Baggage - Altea Ego
Hand luggage
The following items must not be packed in your hand luggage. They must be placed in your hold baggage. If these items are discovered in your hand luggage they will be confiscated and not returned:

Scissors (except where both blades are round-ended or less than three centimetres).
Razor blades (razors that have the blade set into a plastic moulding are allowed, but razors that can be opened and the razor blade removed are prohibited).
Knives with blades of any length.
Household cutlery (spoons are permitted).
Hypodermic needles (unless required for medical reasons, for which proof will be required).
Tools (including multi-tools and penknives).
Catapults.
Corkscrews.
Walking/hiking poles.
Fireworks.
Toy/replica guns (metal or plastic).
Sporting bats.
Darts.
Billiard, snooker or pool cues.

--
RF - currently 1 Renault short of a family
Flight Hand Baggage - Paul Robinson
Blade is set into a plastic moulding, so that looks fine, many thanks!
Flight Hand Baggage - John24
You are, of course, allowed to take as many glass bottles as you can get in your hand luggage - not that these are any use in a fight.;)
Flight Hand Baggage - David Horn
Full of volatile alcohol. Come to think of it, you could probably fill a vodka bottle with petrol and no one would the any the wiser.
Flight Hand Baggage - Happy Blue!
I was flying on a route that involved a change in Frankfurt. There were so many people on the plane from Manchester to FRA that if the plane had not touched down and gone straight to the destination, few people would have been inconvenienced.

I thought about jokingly suggesting a hi-jack to mate on the plane, but thought better of it......

The Germans, who have a reputation for no sense of humour were a lovely lot of flight crew, but suspect that they would not have got the joke. However, on BA, I suspect I would have been hung, drawn and quartered before we had even landed.
--
Espada III - well if you have a family and need a Lamborghini, what else do you drive?
Flight Hand Baggage - Gromit {P}
You might not be allowed bring your shave foam though - some airlines object to aerosol cans as they are pressurised. Others don't seem to mind, or even ask.
Flight Hand Baggage - SjB {P}
And on an internal flight within China I was made to open my bottle of drink, and then drink from it and swallow, twice.
Flight Hand Baggage - Rebecca {P}
Thailand too!
Cat wanders off for weeks - Xileno {P}
One of our cats wanders off sometimes for several weeks at a time. He always returns and then settles back down on his chair, as if nothing has happened. The cat has a nice life with us, his own chair in front of the open fire and all that i.e. he's rather spoilt. So why does he do this, he can't be chasing the ladies as he's had the snip. The other cats don't do this.
Cat wanders off for weeks - Phil I
Cats are inscrutable things. You will never know why it does this. I expect somewhere in the neighbourhood is another family (with open fire plus chair to sleep in) is also wondering where their cat goes to occasionally. If it worries you I would suggest you write a message - put message in polythene bag - and attach firmly to his collar. You may as I did get a surprise when the phone rings. Was not far away in our case.

Phil I
Cat wanders off for weeks - Altea Ego
A friends cat had adopted three families and would spend a week at each. It was a real "menage a trois"
--
RF - currently 1 Renault short of a family
Cat wanders off for weeks - Stuartli
The minute any cat crosses your back door it reverts to being a wild animal again.

Nothing you can do, but just be thankful it does come back albeit after a while.

I've lost two beautiful ginger toms, one 22 months and the second eight months old, which were killed by speeding motorists.

Yet my son, who also has a ginger tom, has moved home with it three times and it is, thankfully, still going strong at nearly eight years of age.

Even more remarkable is that our Sheltie, who was brought up with the cat from when it was a kitten, has never forgotten it nor the reverse even if it is a few weeks between meetings; they rub noses and generally prove very friendly.

Yet he will chase any other cat until it disappears into the distance.
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What\'s for you won\'t pass you by
Cat wanders off for weeks - Adam {P}
My uncle's cats have never been past his garden fence for this very reason.
Cat wanders off for weeks - Gromit {P}
Your cat is off checking out his territory. Some cats just feel the instinct to go exploring more strongly than others.

What age did he have the snip at? If a cat or dog is neutered closer to adult age than usual, their muscle continues to produce testosterone. So they may keep the same roaming tendency as a whole cat or dog.

Own chair by the fire though? Lucky cat...!
Cat wanders off for weeks - Xileno {P}
Your cat is off checking out his territory. Some cats
just feel the instinct to go exploring more strongly than others.
What age did he have the snip at? If a
cat or dog is neutered closer to adult age than usual,
their muscle continues to produce testosterone. So they may keep
the same roaming tendency as a whole cat or dog.
Own chair by the fire though? Lucky cat...!

>>

We don't know what age because he is a stray that we rescued but he was a fully grown adult. He's on one of his wandering times at the moment, due back in about a week. Better make sure his chair is nice and clean...
Cat wanders off for weeks - Pugugly {P}
One of our three cats does this, by chance I found out that he was living with a Postman (not Pat) down the lane during the lengthy absences. Funny thing about cats and dogs, all the dogs here put up with the 2.3 cats and welcome the .3 when it comes home, even the psychotic Springer, who will normally breakfast on strange cat fur....
Cat wanders off for weeks - Gromit {P}
> We don't know what age because he is a stray that we rescued but he was a fully grown adult.

Ah! Rescue shelters neuter all animals they rehome to them breeding more unwanted strays in due course, so you can bet your cat was neutered as an adult.

Chances are he's learned to fend for himself well at an early age too so you have little to worry about while he's out and about. Might be worth getting him a name tag with your phone number on it if you're worried about his getting lost?
Cat wanders off for weeks - Xileno {P}
No, we had him neutered, he was a stray that appeared in our garden and after advertising produced no owner, we took him in. He was certainly an adult cat when he arrived. We are not particularly concerned since he always returns, he just seems to like a holiday from time to time!
Cat wanders off for weeks - Vin {P}
The basic problem here is that people feed other people's cats, which they should really never do if they think it through.

One solution; drop a note through all the houses you reasonably think he might be staying at (quite a distance, I believe).

Make it clear in the note that you believe someone is being very kind and feeding your cat. Tell them that your cat is ill and needs a daily dose of medicine with its foot. Let them know that their kindness to date is appreciated and that it will now be far kinder of them NOT to feed your cat.

That should do the trick. Food will bring your cat back.

V
Cat wanders off for weeks - Mapmaker
>No, we had him neutered, he was a stray that appeared in our garden and after advertising produced no owner, we took him in.


Somewhere, one of your neighbours is furious that their pedigree cat, from whom they were going to breed and make lots of money, turned up (after an absence of some time) neutered. they cannot understand why their cat sometimes disappears for a week or two at the time. I may be wrong, but I sense that your actions may have bordered on criminal damage... You can have half a smiley to folow that ,)

Cat wanders off for weeks - The Lawman
We've adopted a cat (or rather my two girls have). He eats from my cat's bowl, comes and goes as he pleases and sleeps every night on our bed. When my wife gets home from the afternoon school run he is sitting patiently by the front door waiting to be let in. He is with us pretty much full time now.
Cat wanders off for weeks - Stuartli
>>but I sense that your actions may have bordered on criminal damage...>>

If only cats could talk they would soon be contacting Max Clifford...:-))
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What\'s for you won\'t pass you by
Notice period on rented property - Haardvark
Having just given my landlord 5 weeks notice (verbally), I have now been told that the notice period is 2 months.

I have looked through all of my paperwork relating to my house, and can't find this mentioned anywhere. I did ask where this was mentioned in the paperwork and was accused of calling him a liar.
Where does this leave me? They obviously have my deposit and I can see myself being seriously out of pocket.
He is going to drop this missing information around tonight apparently, but I am not sure how to proceed. Should I mention that I am not happy with this 2 months notice in my written notice?
I don't want to write off almost a months rent - I can ill afford to - but feel I am powerless and that the landlord holds all the cards. What should I do?

HV
Notice period on rented property - spikeyhead {p}
Don't pay him the last months rent, which is presumably an ammount similar to the deposit.
--
I read often, only post occasionally
Notice period on rented property - The Lawman
You should have a written tenancy agreement, presumably an assured shorthold tenancy. It will tell you what period of notice you need to give to terminate the tenancy, and it will specify that your notice should be in writing.

If you give him less than the required period of notice and he cannot rent the property out to someone else straightaway, he will be suffering a loss. If this happened and I was advising him, I would tell him to retain your deposit, and that's assuming that you leave the place in good order.
Notice period on rented property - Happy Blue!
IIRC correctly the Housing Act 1988 as amended gives the tenant one months notice to terminate an Assured Shorthold Tenancy if it expiring or is holding over (i.e. expired but you are still there paying rent etc). The Landlord has to give two months notice in teh same situation.


Just checked the internet and the landlord position is as I stated. Must give two months notice requiring possession of the property. I am 99% sure that the tenant only has to give one months notice.

Will check up and ge back to you.

BTW, if you vacant when you say you will, simply do not pay the finia month's rent.
--
Espada III - well if you have a family and need a Lamborghini, what else do you drive?
Notice period on rented property - Happy Blue!
From the Shelter website

"If you have a periodic tenancy, you have to give one month's notice in writing (or longer if you pay your rent less often). The notice should end on the day that your rent is due. Once the notice ends your tenancy ends and you no longer have any right to live in your home."

In other words, if your tenancy has already expired and you want to vacate, and you pay your rent weekly or monthly, then you only need to give one month's notice terminating on the day the rent is due.

You can get 30 minutes free advice from a lawyer and stick it under the landlord's nose.
--
Espada III - well if you have a family and need a Lamborghini, what else do you drive?
Notice period on rented property - expat
If you don't have proper written lease it may well be because the landlord is operating unofficially and doesn't want any awkward paper work around. It would be interesting to know if the tax office are aware of this.
Notice period on rented property - Haardvark
Thanks for the replies - I have realised that my tenancy agreement has run out, so I believe I am now under a "statutory periodic tenancy". My rent is payed monthly, but the landlord has two months deposit from me. I don't want to miss any rent payments as I think this could weaken my position.

I will try to talk to the guy calmly and hope he sees sense.

In every other way the landlord and agreemnet are above board. No problems with any other aspects, which is why I was a bit shocked at the heavy-handed routine when I gave (reasonable?) notice.

Thanks again - this place is the last word in advice ;o)
Notice period on rented property - Haardvark
Well, that didn't go too well!! :o(

The landlord insists that I owe two months rent. I tried to explain my case calmly but just got bluster back from him.

He says I will be hearing from his solicitors - surely THEY will have heard of statutory periodic tenancy??

I did cancel my rent for next month, as I thought it should be taken from the deposit - the reason I did this was his attitude towards me.

He now says that the two months deposit was purely for repairs after I had left - this he told to me in the lounge, where I pointed out that the house was in very good order and I had not so much as put a nail into a wall!!

I am understandably more than a little worried now. Is there any part of law I should be quoting to him? I am afraid I do not understand legalese - and I presume his solicitors will...
Notice period on rented property - Mapmaker
>>The notice should end on the day that your rent is due.

So... does that mean that: if you pay your rent on the 15th of the month, the earliest you can give notice for is for one month ending on 15th January, given on or before 15th December - so effectively nearly two months' notice.

If you pay your rent on 24th of the month, you can give notice for 24th December on 24th November.


On the other hand. Landlords have very very little power to evict tenants (a very drawn out process) so you have to sympathise with landlords. Some tenants faced with your situation would simply not pay any rent the next time rent is due. They would then live for one month in the property, until their deposit was 'used up'. Then they would leave. Tenants often do this when they think that the landlord is unlikely to refund them their deposit.

For the sake of one month's rent, it is not worth the landlord pursuing you through the courts.


Notice period on rented property - Mapmaker
When tenants have paid their landlords two months' rent by way of deposit, they don't pay any rent for the last two months.

It's a shocking way to treat a landlord.
Notice period on rented property - Stuartli
>>It's a shocking way to treat a landlord.>>

That's a very sweeping statement.

It would not apply to every tenant of every rented property.
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What\'s for you won\'t pass you by
Notice period on rented property - Mapmaker
>>>It's a shocking way to treat a landlord.>>

>That's a very sweeping statement. It would not apply to every
>tenant of every rented property.

Well I could scarcely be suggesting to OP that he behaved that way towards his LL, could I. I merely wished to open his eyes to what might go on in the real world...

Talk to the 'tenancy relations' department of the council. Or CAB.

Notice period on rented property - Haardvark
>>>It's a shocking way to treat a landlord.>>
>That's a very sweeping statement. It would not apply to
every
>tenant of every rented property.
Well I could scarcely be suggesting to OP that he behaved
that way towards his LL, could I. I merely wished
to open his eyes to what might go on in the
real world...
Talk to the 'tenancy relations' department of the council. Or
CAB.

>>

I live in the real world, trust me :o)

But I also try to respect contracts and agreements. I try to keep my behaviour reasonable at all times, even if some others do not.

The upshot is that he has now come back and admitted that I was 100% right - although he was not man enough to apologise I'm afraid. Still, if I recover my deposit I will buy myself a beer on his behalf ;o) I stuck to my guns partly due to the encouragement I received on here, so thank you - although my deposit will not stretch to buying you all a beer!

Unfortunately, in the real world it is true that by definition 50% of people are 'below average' and that applies to landlords too.

Ho hum. Off to Amsterdam with a smile on my face at least.

Thanks again

HV
Notice period on rented property - defender
having just read a short assured lease ,the standard terms are 2 months notice from either party to the other,a short term lease does not run out of time and you must give reasonable access to prospective new tenants/landlord with a veiw to him reletting.landlord is entitled to keep deposit and recover any costs if the lease is broken.usually anything outwith lease needs a lot of goodwill as its easier and less costly than a court case
Notice period on rented property - Haardvark
You should have a written tenancy agreement, presumably an assured shorthold
tenancy. It will tell you what period of notice you need
to give to terminate the tenancy, and it will specify that
your notice should be in writing.
If you give him less than the required period of notice
and he cannot rent the property out to someone else straightaway,
he will be suffering a loss. If this happened and I
was advising him, I would tell him to retain your deposit,
and that's assuming that you leave the place in good order.


Well, I did have a written agreement until August. The original agreement did not mention any notice period, although the copy that the landlord had today was updated (!?) to show 2 months. A rent review was sent through in August, but this did not mention a notice period, just a review of the rent amount.

Would these facts change your advice I wonder? My feeling is that my landlord would be commiting some kind of offence if he kept my deposit.
Notice period on rented property - Hugo {P}
A standard Assured Shorthold tenancy is usually 2 months for the landlord to give the tenant, but only 1 month for the tenant to give the landlord.

So Landlord must give you 2 months but you only need to give the landlord 1 month.

I rent out property and this clause is on the standard tenancy agreement drafted by the Guild of Residential Landlords.

The only difference would be if you are still within your initial 6 month period. Normally you cannot terminate the tenancy within this period.

If there is no mention of the notice period on the tenancy agreement you've signed then it then I would think that it would default to the 1 month period.

For confirmation of this speak to your local council. They'll have a department to advise people of this. Some will act for the tenant FOC if they feel they have a case.

Good luck!
Notice period on rented property - Haardvark
Thanks Hugo :o)

I am pretty sure I am on strong ground, but the relationship with my landlord is somewhat strained now, and he has my money :o(

I will try the council, as you suggest, and hope that his solicitor will explain the technicalities to him.

My landlord does not own the property - it is owned by a trust with a few others - but his full time job is property related so you would expect him to know some of the basics.

I just want any monies owed to me with no fuss so fingers crossed that he sleeps on it tonight and reconsiders.

Cheers

HV
Notice period on rented property - Happy Blue!
Well, I did have a written agreement until August. The
original agreement did not mention any notice period, although the copy
that the landlord had today was updated (!?) to show 2
months. A rent review was sent through in August, but
this did not mention a notice period, just a review of
the rent amount.
Would these facts change your advice I wonder? My feeling
is that my landlord would be commiting some kind of offence
if he kept my deposit.

Err what do you mean updated? You cannot update a lease without both of you agreeing to it. If you did not sign a revised document or term of the lease, the landlord cannot hold you to it.
--
Espada III - well if you have a family and need a Lamborghini, what else do you drive?
Notice period on rented property - Haardvark

I agree E III :o) The landlord showed me his standard contract which *now* contains a clause regarding 2 months notice. He didn't seem to understand that contracts can not be "updated" by either party without both agreeing.

I phoned the estate agents this morning (they took my deposit) and they at first towed the line about two months notice. I think the penny may have dropped eventually as they suddenly became very friendly and said they would speak to the landlord on my behalf.

Another question - my receipt for the deposit is from the estate agent, on their headed paper. They are saying that all deposit issues should be taken up with the landlord - is this correct? I have lost all faith in the landlord now, and he has shown himself to be pretty unreasonable. I am worried that even if he agrees that I only owe one months money, he might try to find ways to keep hold of the rest of the money.

What is the situation here - can the estate agents wash their hands of the whole thing?

Thanks again

HV
Notice period on rented property - artful dodger {P}
HV

The usual procedure of the deposit being given to the estate agent means that this covers their fees. It is very rare any of the money is passed on to the landlord.

The advice you have been given so far has been very accurate. It is common for the last month's rent failing to be paid as frequently the deposit is never returned. Personally I doubt if you will see anything back as the landlord will state that something needs attention due to lack of care or cleaning (the oven is the favourite).

My wife has rented a flat out for years and as a landlord she has been very fair, usually returning most if not all of the deposit. But due to some of the problems experienced with the current occupier (leaving shortly) I am advising her that the deposit should be increased from 6 weeks rent. Due to the number of people failing to pay the last month's rent and leaving the property in a dirty and tatty condition we have been left out of pocket, so we are having to change our position regarding the deposit, or the low rent will be increased to compensate.


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Roger
I read frequently, but only post when I have something useful to say.
Notice period on rented property - Hugo {P}
If the estate agent took your deposit, then I suspect that they have been acting as the landlord's agent.

If this is the case, then you don't need to deal directly with your landlord - or at least you shouldn't have to.

The agent should be your point of contact, inlcuding your point for return of the deposit.

H
Telephone scam - SjB {P}
In a similar vein to previous BR discussion; from my neighbourhood watch:

"Anyone receiving a call from 07099 846690 should not call the number back. BT has confirmed that the call is connected to a website charging 50p per minute. When the call is answered a voice message says that a parcel needs to be delivered to the caller?s address and asks the caller to hold. The voice message then tells the caller that the operators are busy and to hold again. Please advise your members."
Telephone scam - Nsar
There was a cunning scam a few years back where someone dressed as a courier would attempt to deliver a small package to someone with an unusual (but not totally bizarre) name. Receptionist says no-one here by that name, courier says no worries but can I use your phone to call my depot - rings number on hugely inflated rate and makes out they're checking computer etc.. Carries on this charade for as long as he can. Then politely says no worries I'll take it back for query. Goes next door and does it all over again, hits maybe 20 companies an hour. Clever.
Mobile phone scam. - R75
Just as I was reading this SWMBO came through and told me she had a missed call from an 0709 number, it is the third in as many days!! Needless to say she has not returned the calls.
Telephone scam - moosh
www.snopes.com/inboxer/scams/mobile.asp
Mobile phone nokia 6310 - DaveKent

I have a genuine Nokia car kit and its fitted in a 97 Mondeo

Does anyone know what other Nokia mobile phones would sit in my cradle apart from the nokia 6310?

Regards,

Dave
Mobile phone nokia 6310 - henry k
I have a genuine Nokia car kit and its fitted in a 97 Mondeo
Does anyone know what other Nokia mobile phones would sit in my cradle apart from the nokia 6310?

I am pretty certain that the 6310i was the last phone to fit that cradle.
I too have Nokia kit but with a 6210 in a 98 Mondeo and plan to upgrade to a used 6310i as I, like several others, think it is one of the best phones for use in a car.

Mobile phone nokia 6310 - Dynamic Dave
Is it the Nokia Car Kit CARK-91?

If so, according to www.mobilefun.co.uk, it's compatible for the 6210, 6310i, & 7110

www.mobilefun.co.uk/product/1386.htm

But you can also upgrade it to work with loads of other Nokia phones as well (eg 3100, 3200, 6100, 6220, 6230, 6610, 6610i, 6810, 6820, 6822, 7210, 7250, 7250i) :-

www.mobilefun.co.uk/product/5134.htm
Mobile phone nokia 6310 - DaveKent
Is it the Nokia Car Kit CARK-91?


Not 100% sure. The kit came with the car. It does have a exterrior antenna (on glass antenna) if thats any help.
Mobile phone nokia 6310 - mare
my colleague had a 6310 cradle and has replaced the phone, and has an adaptor that fits in the cradle so the phone fits. The phone was another Nokia, i think a 6230, but can't guarantee that.

Anyway, it seems you can get an adaptor for the cradle.
Noisy CH boiler - pmh
From no noise and a perfecly quiet system, my Potterton (cast iron Kingfisher 2 RS 100) - has suddenley become VERY noisy within 24hrs. 12 yrs old in a hardwater area. It appears to be kettling, and remains noisy for a period approaching 60 secs even after the main burners have cut out. Adjusting the flow rate rate of both the pumps has absolutely no effect on the noise. The system was flushed during the summer and Fernox inhibitor added.

How effective are the different noise reducing / chemical cleansers? The price variation is remarkable between the big names ie Fernox and others ( eg Purimachos).

Any recommendatiuons please. It woke me up this morning at 05.30 which is why I am online at this crazy time!
--

pmh (was peter)


Noisy CH boiler - Rover25
Had a similair problem on my boiler last winter. BG engineer came out as part of 3* service agreement and added a descaler additive to the water. IIRC it was actually called 'boiler silencer' but unfortunately no idea who makes it. It certainly worked anyway and my system was quiet after a few days use and has remained that way for over a year. If theres a Plumbing Trade Supplies (PTS) near you they should be able to fix you up with something suitable and normally at a more reasonable price than some of the well known DIY chains.
Noisy CH boiler - Altea Ego
Be very very carefull about using a cleaner or descaler. They will clean out scale and muck and probably deposit a large amount of debris in ths system. They can expose weak joints in the system and the debris can jam pumps.

Do you *really* want to be mucking about with your system approaching the coldest spell of the year this w/e with snow forecast?


The system should have a cleaner put in it, run on hot for a few days, flushed, and then refilled with the inhibitor added.
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RF - currently 1 Renault short of a family
Noisy CH boiler - Onetap
First, Fernox have some very good technical documents on line. The one about boiler noise is here;

www.fernox.com/?cccpage=boiler_noise&sub=3

The kettling is usually caused by localised boiling under scale and/or sludge deposits. The usual fix is the treat the boiler (preferably having isolated the radiator circuit) with an acidic descaler. You have to ensure that all the descaler is flushed out and the acid is neutralised, or it will start rapid galvanic/bi-mettalic corrosion of the radiators.

Second; the above applies to most boiler noises, but (big but) boiler noises caused by scale usually accumulate gradually. Very noisy in 24 hours sets ones mental alarm bells going. I think it is boiling, but I think a fault has occurred overnight. I'd suspect the pump has failed and isn't maintaining the flow of water to remove the heat; you'd also find the heating won't work. It might also be a failed pump over-run timer, which should remove the heat contained in the cast iron after the burner stops. Could also be a failed thermostat, could be partially empty, etc..

There's too many possibilities to diagnose over the internet, so if a thorough perusal doesn't find the cause, I'd strongly recommend you turn it off & get a competent technician to look at it.
Noisy CH boiler - Xileno {P}
You could try the Screwfix forum.
Noisy CH boiler - Altea Ego
Older cast iron boilers dont usually have overun timers.
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RF - currently 1 Renault short of a family
Noisy CH boiler - Onetap
"Older cast iron boilers dont usually have overun timers."

True; nor do they usually have integral pumps so it depends on what has been installed. The mass of metal can store sufficient heat to cause problems under some circumstances, so a over-run timer may have been installed.

With gravity-circulation hot water systems, there's usually enough circulation to prevent any post-fire boiling. This system has 2 pumps, so it sounds like a fully pumped installation. The boiling may occur after the burner and pump has been turned off by one of the thermostats. You could only work out what's happening on-site.
Noisy CH boiler - AngryJonny
Slightly different solution (for the short term at least):

My heating is noisy to and due to the design of my flat the boiler is on the other side of the wall that my bed backs up to. Cue me being woken up by pumps and fans at 6:30.

So... for the morning when I'm only using my bedroom I have an oil-filled electric radiator which I can either set on a timer or a remote control. It's silent and I would imagine cheaper to run that central heating for the whole flat. For the evenings or during cold days when I use all the rooms I will have the heating on. Works a treat and my bedroom is toasty warm in the mornings.
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Life is complex; it has real and imaginary parts.
Private hire cars - illegal pick ups - David Horn
Outside the cinema t'other night waiting for a bus, the driver of a private hire car pulled up next to us and told us he could take us home for a tenner. We declined, and he picked up the next group of people instead.

Isn't this illegal, and doesn't it invalidate his insurance? I got his license number - who do I report it to?

It, is, to be honest, a fairly pedantic thing, but as a driver of the same company sat unmoving in his car while I lay nearby on the ground with a broken wrist last year, I haven't much sympathy.
Private hire cars - illegal pick ups - AlastairW
Yes it was illegal. You should report it to the local council Pivate Hire and Taxi licencing department. If everyone ignores the law, what the point having a law in the first place?
Private hire cars - illegal pick ups - David Horn
Done. They've passed the details on their enforcement team.
Private hire cars - illegal pick ups - Hugo {P}
Good, because you'll find their insurers' if they have any won't cover this sideline, the drivers won't have been checked out so you don't know where they might take you (mugging central perhaps).

Many unsavory assaults have happened where these guys are concerned.
Private hire cars - illegal pick ups - AngryJonny
Illegal as they are these guys provide a valuable service in London. Try getting a proper taxi home on a Saturday night and see where you get. There's never an orange light to be seen. So you go and see an illegal minicab guy, agree a price and he gets you home. The alternative is finding a hotel because you're not getting home any other way.
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Life is complex; it has real and imaginary parts.
Private hire cars - illegal pick ups - Altea Ego
Agreed. Its up to you to use common sense to assess the risk involved.
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RF - currently 1 Renault short of a family
Private hire cars - illegal pick ups - Dalglish
use common sense to assess the risk involved

>>

wise words indeed. see link below - news from 20 sept 2005.

www.london.gov.uk/view_press_release.jsp?releaseid...4

if you are too drunk to think sensibly get someone sober to make this judgement for you.

Private hire cars - illegal pick ups - Nsar
I'm big enough to take care of myself but I'd never take an offer from the unlicensed cab drivers who cruise round touting for business.

However...there have been a few times when I have been in very well known restaurants in London and have asked them to call me a cab, which when it turns up appears to be a private car. Where would the liability lie if that cab had a crash and I was injured and the cab turned out to be dodgy? Who has the duty of care?

Private hire cars - illegal pick ups - Stuartli
Who has the duty of care? >>


You, because you should specify what type of taxi service is required or nominate a known and trusted company...:-)
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What\'s for you won\'t pass you by
Private hire cars - illegal pick ups - Nsar
Your opinion or fact?
Private hire cars - illegal pick ups - Altea Ego
You, you are directly paying the cabbie so the contract is between you and the cab company.
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RF - currently 1 Renault short of a family
Private hire cars - illegal pick ups - Nsar
But is it not reasonable to expect that when you ask a reputable establishment for a taxi, that is what will be provided without you having to do your own check of the driver's legal staus when he arrives?
Holiday Insurance quick question - Jane
Is it best to get holiday insurance just before you pay for the ticket or just before the holiday?

Ta

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If at first you do succeed, try not to look astonished
Holiday Insurance quick question - daveyjp
As soon as you pay the deposit for the holiday you should get cover as it usually covers cancellation due to illness. What if you are diagnosed with a health problem before you get your insurance and you need to cancel the holiday? I am speaking from experience here, we had to cancel two holidays when my wife found out she was pregnant. This was in August our holidays were in September and December - if we had waitied until just before the holiday we would have had no insurance to claim against losing us a fair amount of money.
Holiday Insurance quick question - Jane
That's what I thought. The main balance isn't due till mid December with the holiday being in February. I'll sort out some insurance in the next few weeks.

Thanks