Preparedness for when

[Deleted User]

Doveling wrote: »

Steering?!!
Don't be ridiculous.

I meant, that's how you could become a TILLER girl.

fuddle

I'm under no illusion. I will hit on hard times again. I am under no illusion. My retirement will be very hard. It has to be. My own pension is minimal due to circumstances.

Younger in age only gets me the chance to rebuild. Younger in age gives me absolutely no guarantee of anything. I don't expect any guarantee but I would like a prop up if I struggle to eat and heat come retirement. We'll see. I doubt it and suspect I will be living with my children like my own mothers childhood.

jk0

I didn't think I'd be asking tenancy questions on this thread, but I wonder if you guys could have a look at my thread on Landlordzone. No-one seems to know the answer there.

http://www.landlordzone.co.uk/forums/showthread.php?70279-Connected-Contractors

The mad thing is that I now think that strictly speaking the freeholder (a housing association) are in the right. Two years ago, (unknown to me) they entered a long term agreement with a national contractor for major building items for their properties.

They now wish to replace the roofs on our blocks, and it seems they don't have to get alternative quotes because their long term agreement was competitively tendered.

Any thoughts?

[Deleted User]

I'm trying to PM you, but your inbox is full.

Doveling

Bedsit_Bob wrote: »

I meant, that's how you could become a TILLER girl.

I knew precisely what you meant :D

MTSTM - you're not going to get a cast iron guarantee for anything any longer

I think unemployment benefit was to keep the wolf from the door between jobs for short periods; not expected to be claimed long term.

Trouble is there aren't as many jobs available and more are being lost as big companies close.:(

On a different note, how much linen do people store?
And random things like shoe polish?

COOLTRIKERCHICK

We have gone through major financial struggles over the years.. And recently our main income business has collapsed, but we did see it coming, and tried to cushion the blow my tightening our belts . this happened 3 weeks ago, and that is 3 of the same family out of work.. I am lucky in a way as I am a hoarder, and have a vast collection and a bit of knowledge of it lol.. So I am going back to my roots and selling on the bay big time, and just trying to sort out, and find my way around etsy.

Dole money is for you to survive, not to live .. So in reality TV, phones , socialising, going out etc is not what it is ment for ..

We have more or less always been self emp!oyed, with the odd to job just to tied us over etc..so I know what it's like to be on the bones of your backside.

And yes its the mental stress that's the killer, and trying to juggle every penny, our priority was paying the mortgage , good and electric everything else could wait until we were a bit flush..

Even now hubby will not sign on, or our eldest.. As we can cope for now..

greenbee

I don't know what rights the freeholder has in relation to those of the leaseholders, however, I think you should at least know who else was asked to tender, what the responses were and what the scoring/selection criteria were that led to the appointment of the contractor.

I'd also want to see the contract and ensure that it wasn't overly biased in favour of the supplier - if it is, I'd call into question the competence of your freeholder. But sadly you probably have no rights to do this.

Either the freeholder is incompetent or they are hand in glove with the contractor...

Frugalsod

jk0 wrote: »

I didn't think I'd be asking tenancy questions on this thread, but I wonder if you guys could have a look at my thread on Landlordzone. No-one seems to know the answer there.

http://www.landlordzone.co.uk/forums/showthread.php?70279-Connected-Contractors

The mad thing is that I now think that strictly speaking the freeholder (a housing association) are in the right. Two years ago, (unknown to me) they entered a long term agreement with a national contractor for major building items for their properties.

They now wish to replace the roofs on our blocks, and it seems they don't have to get alternative quotes because their long term agreement was competitively tendered.

Any thoughts?

The thing is that roofs and leaseholders are a minefield. I had a friend who had multiple roofs over five years. The freehold was sold to property maintenance firm then another and another, who all wanted to have a new roof on. Since this meant they got a nice profit out of putting a new roof on, they sold it and the new property maintenance company did the same thing. Since the leaseholders are picking up the tab they should get a say but they never do.

jk0

COOLTRIKERCHICK wrote: »

Even now hubby will not sign on, or our eldest.. As we can cope for now..

CTC, I think you need to have a calm serious chat with them. My stepfather wouldn't sign on either when he lost his Civil Engineering job, as he thought he would soon get another.

This turned out to be a foolish move, as he was out of work for nearly a year, and caused my family a lot of hardship.

Point out that they will have paid taxes in the past, and they should not feel guilty about having a little bit back.

jk0

Frugalsod wrote: »

The thing is that roofs and leaseholders are a minefield. I had a friend who had multiple roofs over five years. The freehold was sold to property maintenance firm then another and another, who all wanted to have a new roof on. Since this meant they got a nice profit out of putting a new roof on, they sold it and the new property maintenance company did the same thing. Since the leaseholders are picking up the tab they should get a say but they never do.

Funny you should say that Frugalsod. A new management company recently took over, and will be taking 11.5% commission on the job.