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Ztan's Shared Equity Story- MFW from the word GO

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Comments

  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Happy Hump Day ztan :D

    I hope your cold gets better quickly. I still reckon that a couple of hot toddy's before bed help a cold loads just as they tend to knock you out!
    Maybe I should ditch the spare room- office/jewellery workshop idea and just leave it ready to turn it into a nursery! ha!

    We decorated our spare room into a study only six months ago, we may have to put a cot in there next year but there is no way its getting redecorated again! :) Arn't we mean?
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • ztan
    ztan Posts: 400 Forumite
    Not at all SML... babies don't know what colour their rooms are, or care! At least not til they're a bit older! :rotfl:

    I think a nice hot blackcurrent with some jd whiskey in it tonight will do the trick.

    I do have to muster the energy to go for a jog before I collpase into a heap though, which could be easier said than done.
    MFW 2010- £112,500 + 20% Equity Loan = £150,000 35 years :o
    2013- £108,877.28 + 20% / current OP = 19 years :T

    Target to be Shared Equity Free- 2016
    Target for holiday to Australia- 2014
    Currently training for a Commando Challenge- drop and give me 20
  • LilacPixie
    LilacPixie Posts: 8,052 Forumite
    Watch it there is a MF babyboom on the go. DD1&2 bedroom was OH's games room and was cream, it stayed like that until only 18 months ago.
    MF aim 10th December 2020 :j:eek:
    MFW 2012 no86 OP 0/2000 :D
  • pammyj74
    pammyj74 Posts: 3,290 Forumite
    ztan wrote: »
    PammyJ thanks for joining my group.

    I hope you understand, but I'd prefer to keep my super hero identity and "private" life seperate from on here, so I haven't accepted your add.


    loud and clear
    MPs left feb '08 276- Dec 13 36 :T MB Jan 10 ~ £82,377 Dec 13 ~ £29987
    EMFD was Feb 32 :eek: NOW Dec 2013 its Dec 2016
    MF new target Dec 16 REACHED!! :j
  • ztan
    ztan Posts: 400 Forumite
    Okay, final update for a while guys:

    I'm starting my new job on Monday :j and will definitely be at least 20 times busier and stressed than I am now, so my appearences will dwindle.

    Yesterday, got home to the usual post stuck between the door and the matt- and spotted one addressed to "The Home Owner/Occupier- Plot 34" on yellow paper... a Persimmon letter.

    The letter was from the site manager. This guys surname tickled me... it's Coward. Which sums him up completely. Rather than come and see us, call us etc, he writes a letter... and it's not even addressed to us directly, which I found extremely insulting :mad:

    Anyway letter says they will be putting up the scaffolding on 12th November, in order to start taking the render off again on Monday 15th November (my birthday _party_) This is expected to take aprox 2 weeks, weather dependent and during this time they will be removing our sky dish, and will reinstall it when finished. (No Sky TV, no Ghost Whisperer, no Nigella... :()

    Okay so, great they are finally actually doing something about the render :T It's been 6 weeks since they finished putting it back on last time, and we've not heard a peep during those 6 weeks.

    Thing is, the fact this letter was not addressed to us personally, and also did not even try and apologise for the fact that our house was meant to be finished in August... has got me really...... annoyed... ;)

    We were planning on writing a formal letter of complaint once they'd finished up, but this has spurred me on and I have now put together a 3 page letter detailing the issues we've had, and what I expect to be done about it. :rotfl:

    As I currently work in complaints... I am familar with how NOT to do it, and how to get the best, so fingers crossed this does the trick.

    So, my OH and I tonight will go through this letter, and post it off to their registered head office, regional office, and the "customer care manager"... attached to our "1 month inspection form" detailing all the things we expect them to come and put right.

    I am anticipating a big old fob off, but have kept my best ammo back for such an eventuality... including photos of the state of the render, and the state of our garden at present.

    So, we shall see :cool:

    Am off to see a car tonight, which is a cheap but reliable one through a friend of a friend who is a mechanic and then going on my baking mission. I intend to go out with a flourish tomorrow, making sure everyone who doesn't care about me normally will all of a sudden realise I can bake, and then miss me :p

    I also have to go for a run, eat dinner and have a shower in this time. Wish me luck :A
    MFW 2010- £112,500 + 20% Equity Loan = £150,000 35 years :o
    2013- £108,877.28 + 20% / current OP = 19 years :T

    Target to be Shared Equity Free- 2016
    Target for holiday to Australia- 2014
    Currently training for a Commando Challenge- drop and give me 20
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    ztan wrote: »
    I intend to go out with a flourish tomorrow, making sure everyone who doesn't care about me normally will all of a sudden realise I can bake, and then miss me :p

    :rotfl:Love it :rotfl:

    Good luck for the new job HSgoodluck.gif
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • vl2588
    vl2588 Posts: 1,352 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    You go girl, hope you get some sort of response, and ideally a compensation-y one!
    Weight loss: Start weight: 80kg; Current Weight: 77kg; Target weight: 55kg
  • ztan
    ztan Posts: 400 Forumite
    Long time no speak people! First of all Christmas Wishes, I hope everyone is in the festive spirit and is not suffering too badly with the snow.

    Our render is finished! It was finished about a week ago, but that's the only thing that is. Our garage is still trashed, our gardens are mud pits... we've been chasing the team on site, and have sent our complaint letter in. Waiting for some massive apology and some compensation. Hopefully will be a nice surprise for the New Year.

    We are currently snowed in. This is the most snow my partner or I have ever seen in our lives, and it has caused all sorts of fuss. My OH had an ice+snow+curb accident and has seriously damaged his car today... which given that his MOT and Tax is up for renewal now is really the last thing we need right now.

    The new job is going extremely well, but I honestly cannot wait for the Christmas break now!

    I will hopefully get back on regularly again soon and catch up with you all.

    The new year will see the commencement of of our savings and more MSE ways. I also plan to actually sell some jewellery too!

    Ciao for now
    MFW 2010- £112,500 + 20% Equity Loan = £150,000 35 years :o
    2013- £108,877.28 + 20% / current OP = 19 years :T

    Target to be Shared Equity Free- 2016
    Target for holiday to Australia- 2014
    Currently training for a Commando Challenge- drop and give me 20
  • Hey ztan
    glad the new job is going okay! just catching up on diaries this morning and I have to ask what is a hump day? (from a few posts back??) sounds intreuging! ;)

    sorry about OHs accident- hopefully he is okay even if the car sounds like it needs some TLC
    fingers crossed for compensation of some kind to go with the complaint!

    take care in the snow..
  • LilacPixie
    LilacPixie Posts: 8,052 Forumite
    TYO.... how can you not know what a hump day is???? BTW Its wednesday... monday tuesday the struggl up hill, wednesday is the hump, thursday friday your free wheeling downhill tot he weekend only to start the climp again on a monday.


    ZTAN woohoo well done. it will all come together.... really
    MF aim 10th December 2020 :j:eek:
    MFW 2012 no86 OP 0/2000 :D
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