Quick!!! Hurry and read!!! Now!!

[Jon L. Obscene]

Just wondering if anyone is alive in here :ph34r:

Jonno :cool:

[Lilmiss]

I just popped my blister, and it squited all over my face, and mouth. :sick:



I'm kinda here.
A little there too. :huh:

[Spicker]

i have a math test tomorrow....adn i have such a big,bad headache cant study....

[Jon L. Obscene]

Kinda wish I had'nt asked now :rolleyes:

Jonno :cool:

[Guillaume]

Nice job waking me up when nothing actually happens in the lounge! :angry:

You know I might go to Talk Club (Whatever it's named these days) out of spite...

[Lilmiss]

You could always put your uniform on, and give us a twirl. :w00t:

http://hometown.aol.co.uk/Lynne1977uk/th_big_wink.gif

[BawA]

its 5:30 Am here, god knows what am doing

[{I}{K}{E}]

Quick!!! Hurry and read!!! Now!!

:dry:

[iMartin]

I'm everywhere.

[RPerry]

:dry:


:stupid: :dry:

[Afronaut]

:stupid: :dry:
:1eye:

[DanB]

I just popped my blister, and it squited all over my face, and mouth. :sick:



I'm kinda here.
A little there too. :huh:


Eeewww :sick:

[DarthInsinuate]

i'm not here, my online status clearly indicates so

[Lilmiss]

Eeewww :sick:

Seriously....It was worse for me. :sick:

[manker]

Trust us, It was worse for me. :sick:
Trust us?

Are you Gollum :fear: :fear:

[Lilmiss]

Damn you!

Caught before the edit. :blushing:
Thats my Geordie streak coming out, my precious.

[manker]

I think all Geordies are evil Hobbits :unsure:

[Jon L. Obscene]

:01:

Jonno :cool:

[Lilmiss]

It's a good job I'm a crossbread then.
I'm part Ork too. (Scottish. :ermm: )

[Jon L. Obscene]

Fookin 'ell, that's a cross and a half, do you have pointed ears and web feet? :unsre:

:01: S'ok, I'm not being brave, just not woke up yet :D

Jonno :cool:

[manker]

Hmmm.

Geordies = Evil Hobbits
Scots = Orcs

I wonder what the LOTR equivalent for the Welsh is.

Please be kind :D

[DarthInsinuate]

It's a good job I'm a crossbread then.
I'm part Ork too. (Scottish. :ermm: )
don't you mean Crossbun? i like raisins, ooh i gotta buy some

[Lilmiss]

I wonder what the LOTR equivalent for the Welsh is.

You would be a troll. :whistling

[Jon L. Obscene]

Nah, he'd be that lil dude with big eyes :01:

Sorry I did'nt watch lotr, when I hired it on dvd the guy gave me Lords and their rings, was a dirty film :(

Jonno :cool:

[DanB]

Hmmm.

Geordies = Evil Hobbits
Scots = Orcs

I wonder what the LOTR equivalent for the Welsh is.

Please be kind :D


Urak Hai

[DarthInsinuate]

Nah, he'd be that lil dude with big eyes :01:
an ewok?

[Lilmiss]

Sorry I did'nt watch lotr, when I hired it on dvd the guy gave me Lords and their rings, was a dirty film :(

:frusty:


I read it when I was like 10, or something. :huh:

[Lilmiss]

an ewok?


:D :D :D

Beechawowa. :unsure:

[DarthInsinuate]

Nah, he'd be that lil dude with big eyes :01:
Binks? that's a bit harsh

[manker]

You would be a troll. :whistling
:crying:

:lol: :lol:


Dan, I don't know what Urak Hai is :huh:

[DarthInsinuate]

:D :D :D

Beechawowa. :unsure:
according to google that should be "Beechawawa" :dry:

[DanB]

:crying:

:lol: :lol:


Dan, I don't know what Urak Hai is :huh:

I don't know if I do :unsure:

[manker]

I don't know if I do :unsure:
:lol: :lol:

I'm a bit jealous of your stoned status. I'm just hungover :ermm:

[DanB]

:lol: :lol:

I'm a bit jealous of your stoned status. I'm just hungover :ermm:

http://www.patriotresource.com/lotr/races/urukhai.html

My spelling was a bit off, sorry :whistling

http://www.daereth.diallink.net/pictures/gallery/uruk.jpg




edit - It made for a very surreal signing on anyway :lol:

[Jon L. Obscene]

Beechawowa. :unsure:

Awwww that's so cute :01:

Go on then, swing your slingshot round and hit yaself on the head wiv it :D

We want enternatainament :01:

Jonno :cool:

[Guillaume]

:D :D :D

Beechawowa. :unsure:


You seen any princess in need of a scoundrel, lately? http://www.mcbriens.net/liam/img/smilies/sneaky.gif

[Lilmiss]

Ouch. :crying:

Want me to stub me toe too? :unsure:

Im in desperate need of a Prince.
In fact, Im in need of some advice too, but I doubt you Lounger's could help. :crying: :no:

[DanB]

Ouch. :crying:

Want me to stub me toe too? :unsure:


Just be careful not to break it

[Lilmiss]

Just be careful not to break it
The door? :(

[{I}{K}{E}]

:stupid: :dry:

http://home.earthlink.net/~zolanhunter/images/BanHim.jpg

[DanB]

The door? :(


No :lol: Your toe

[Jon L. Obscene]

In fact, Im in need of some advice too, but I doubt you Lounger's could help. :crying: :no:

Ask me :01: I know everything about nothing :D

@Ike......Me? :crying: just cos I panicked 2 mods and 1 admin :lol:

Jonno :cool:

[DanB]

We might be able too Lilmiss

[Lilmiss]

I doubt it. :no:
But here goes...

[DanB]

I've tried

[Lilmiss]

Ok, another for you....

If I sell my flat and move on, what kind of mortgage do I go for? :unsure:
And where should I go? :huh:

[DanB]

Mortgage advice is a bit beyond me :lol:

[Jon L. Obscene]

Mortgages are scary :ph34r:

Maybe a Wanker.......I mean Banker could help......or just for fun ask Manker :01:

Jonno :cool:

[manker]

I don't give mortgage advice :ph34r:

My opinion, fwiw. A straight repayment mortgage with a fixed rate is usually advisable. There are lots of gimmicky mortgages on at the moment but they usually have catches, like an interest rate hike, so be careful of them. Don't even think about endowment mortgages, they are the spawn of satan.

Nice rhyming, Jonno :01:

[manker]

I've just read the other post :blushing:

No need to move away, lilmiss. No need for mortgage advice. End it with the bloke and stay where your loved ones are :01:

[Jon L. Obscene]

Nice rhyming, Jonno :01:


:01: *bows* Thankyou thankyou, I will be here all week, refreshments available at the front desk :01:

Jonno :cool:

[Lilmiss]

No need to move away, lilmiss.

Why?
The ones I love will be here forever. :D

And I have had too much bad luck in this town.
Im fed up of it. :crying:


At the moment, I have a variable morgage.
I dont think I have any kind of insurance plan though, and the company I pay my ground rent to, want to make me a director of my building. I find this odd, as if they go bankrupt, I will be in big trouble. :ph34r:

Plus, they have added some odd things on top of my ground rent this year.
Electric, gardening, decorating....when I pay for these myself.
I gotta get out of the flat, so I may as well aim at a new start.
Obviously it wont be for a while, but I have to start thinking about it.

[manker]

Why?
The ones I love will be here forever. :D

And I have had too much bad luck in this town.
Im fed up of it. :crying:


At the moment, I have a variable morgage.
I dont think I have any kind of insurance plan though, and the company I pay my ground rent to, want to make me a director of my building. I find this odd, as if they go bankrupt, I will be in big trouble. :ph34r:

Plus, they have added some odd things on top of my ground rent this year.
Electric, gardening, decorating....when I pay for these myself.
I gotta get out of the flat, so I may as well aim at a new start.
Obviously it wont be for a while, but I have to start thinking about it.
I wouldn't move from where I live because I wouldn't see my loved ones as much. That is what I meant but if everyone thought the same as me it would make society much more boring, I think :D

You need to get some insurance on your mortgage, at least buildings insurance as that is a requirement of their lending terms! Repayment insurance is also a good idea altho' if you're self-employed (?) it can be difficult to claim cause they're bastards :dry:

As to them adding stuff to your rent and citing things that you already pay for, that isn't allowed. The Citizens Advice Bureau can tell you what to do.

I don't know what they mean when they say they want to make you a director of a building ...

[Lilmiss]

I think im gonna skive off early. :shifty:

I'll have a look at what kinda mortgage I have.
But I'm useless at money issues.
I put a down payment of 6 grand down to start with, and pay the rest off monthly.

As for moving away, I plan on doing it sometime or other anyway.
And I know for a fact, that my family and true friends would visit, so I wouldn't be alone for long.

I dunno, I guess i have to have a good long think about where I wanna be.

[Lilmiss]

Ok. :huh:

It's a leasehold property.
I have a monthly premium for mortgage protection.
It is a repayment mortgage, and my loan type is a Tracker. :blink:

I don't quite understand the director buisness either, but Im not signing anything til I have taken it to a laywer.


Any help appreciated. ;)
(when/if I move, I want at least a 2 bedroom house instead of a flat.)

[Jon L. Obscene]

lilmiss, no disrespect to anyone on here, but when dealing with stuff like this you gotta get proffesional independant advice :)
Mortgage and lease traps can be very costly :(

Jonno :cool:

[Lilmiss]

I knows that.
But Im not going anywhere for a bit, so no point going to see them yet.
It would be nice to know what I want though, instead of being talked into something binding.

[Jon L. Obscene]

True :)

Just don't rush into anything :)

Jonno :cool:

[Lilmiss]

:D

Me?
Never. :whistling

[manker]

Ok. :huh:

It's a leasehold property.
I have a monthly premium for mortgage protection.
It is a repayment mortgage, and my loan type is a Tracker. :blink:

I don't quite understand the director buisness either, but Im not signing anything til I have taken it to a laywer.


Any help appreciated. ;)
(when/if I move, I want at least a 2 bedroom house instead of a flat.)
As Jonno said, it is better to go to someone independent.

However finding such a person is like finding rocking horse shit. If someone IRL asks me for mortgage advice I refer them to a guy who gives me 5% commission of whatever he leeches out of them. So I'm not independent, the guy isn't independent cause he presumably recomends the company which gives him the biggest cut ... so ... it's tricky.

A tracker loan just means that the rate of interest you pay follows that of the Bank of England. It's a standard thing, it's good that you've got a repayment mortgage and that protection.

You have a leashold property which means that you've bought the right to live in the property rather than the actual property. This doesn't matter a great deal as usually the leases are usually for 99 years. When you bought it if the lease had less than 70 years to run then the solicitor would have built in a lease extension to your contract and thus the cost of the purchase.

With regard to the director of the building thing. Once you have a bit more info I might be able to help.

Btw, all I've said is just an opinion. I'm definitely not a qualified mortgage advisor - if such a qualification exists :blink:

[Lilmiss]

Yeah, I think it had about 80 years left to run.
I dont like the way it works though, and Im sure I would be better elsewhere, so I dont have to worry about the ground rent and stuff.

Im gonna have to look into changing my mortgage, so I shall start collecting information. My buisness brain sucks. I generally get me Ma to deal with my ISA's and whatnot. I just give her money, and she deals with it all.

Most of my pals rent, so they dont know what I should do.
They think it's funny that my ground rent is always increasing.
I find it bloody annoying.
Last time they increased, was for terrorist threats and flooding. :dry:

[Rat Faced]

oneaccounts a good mortgage atm...

[manker]

You seem like you've got your head screwed on alright to me :D

Btw, if you decide to move and you get together a decent deposit and a mortgage that is right for you, then a 3 bedroom property is a lot more desirable than a 2 bed place. They are often difficult to sell.

/me shuts up before I get labelled an estate agent :ph34r:

[Lilmiss]

Never heard of 'em.
Im with Halifax.


I know an ageing hippy who lives on a barge in Notts though.
May just go stay with him for a bit. :P

[Lilmiss]

if you decide to move and you get together a decent deposit

One more que.
Can i transfer my existing mortgage onto a different company, for a different property? I know I would have to sell up my flat first.

[manker]

Yeah that would be fine.

You already have a place, I don't know why I wrote what you quoted. Forget what I said about getting together a decent deposit :blushing:

[Lilmiss]

Sweet, tanks for that. ;)
More information for an already crammed brain.


So back to the original topic..... :huh:

[bujub22]

Just wondering if anyone is alive in here :ph34r:

Jonno :cool:
:angry: so not impressed cuz i read this yesterday :P :frusty: