Nice People Thread Number 11 - A Treasury of Nice People

PasturesNew

It is annoying if the Govt are paying late when it was the Govt some years back that spoke out at late payers and how it affected small businesses - and I think they put in place some 'law' about paying within 60 days (all fuzzy memories as it didn't affect me).

lemonjelly

Nikkster wrote: »

I haven't had a re-calculation yet, which is when I think the monthly payment would go down. Assuming my financial situation doesn't get worse, I'd keep the regular monthly payments the same (currently minimum payment rounded up to the next £100), safe in the knowledge that I would have wriggle room to decrease back to the minimum if needed.

Great minds Nikkster, great minds...;)

PasturesNew

sss555s wrote: »

I'm a director of my own security installation company (18 years).

Translation: bloke with a van that'll sell and fit garden gate locks

lemonjelly

neverdespairgirl wrote: »

It tends to be the government, oddly enough :mad:

And therefore the bigger bills - I started work on the case in 2010, with a few prep hearings. I did about 3 months in total on it in 2012, which I've just got paid in full for. And I had to pay tax on it in January, which totally takes the p!ss, paying the govt tax on money they've not paid me!

Can't you fine them £50 a day if they haven't paid by 31 January or something?;)

Nikkster

sss555s wrote: »

I'm a director of my own security installation company (18 years).

I had never watched any Breaking Bad before I got the Chromecast. I'm using it more than I thought I would and it was only £30 (can be had for £25 on times)

Ah ha - that MI6 experience must come in handy

Is Breaking Bad as good as it's made out to be? Is it a sufficient tool for bribery?

PasturesNew

Nikkster wrote: »

It's alright. I'll still be chipping away long after those of you who are buying now (you, PN and Chewy) are long since paid up. Which means I'll probably still be posting here about it. Everyone will probably be skipping even more of my nonsense posts by then

I am starting mortgage free... but I've paid my dues, and suffered, in the past. I even had to buy my way out of negative equity once on a SO Studio Flatlet (5% of value to be paid as a cheque in order to complete the sell back).

My last house I bought at 2.5x wages, while on a 6 month contract... traded up to a 3 month contract, that was extended .... then the market collapsed and I spent the next 6 years sitting in an incomplete house and earning so little I daren't do the calculations; often with only £50/month left after basic bills .... until I finally sold up. I didn't go out all that time, didn't do anything, didn't have anything. In fact, that's been the story of my life - never quite having a house/home to live in and always in changing circumstances.

That's why I've not wished to overstretch myself this time.

LydiaJ

Nikkster wrote: »

Assuming my financial situation doesn't get worse, I'd keep the regular monthly payments the same (currently minimum payment rounded up to the next £100), safe in the knowledge that I would have wriggle room to decrease back to the minimum if needed.

There seem to be two kinds of mortgage overpayers - the ones for whom wriggle room is a blessing, a security and something to be increased wherever possible, and the ones for whom the temptation to misuse any wriggle room would be too much, who are busily engaged in strategies that decrease wriggle room to stop themselves using money for things other than their mortgage.

michaels wrote: »

DDs were both offered a 50% scholarship to the drama school - still too expensive But we have mananged to negotiate a 75% discount which makes it OK

Is this drama school as in "stop going to normal school and go to drama school instead" or drama school as in "continue at normal school but spend all possible hours outside school at the drama place"?

Either way, congratulations to both DDs. :T:T:T

lemonjelly wrote: »

I'm not going there. 'fraid you lot will have to be the ones putting up with me.:)

Of course. We'll be quite happy to encourage you. As long as you don't post every single day about the few pence you've just overpaid to your mortgage - for that you need the MFW board.

Nikkster

lemonjelly wrote: »

Can't you fine them £50 a day if they haven't paid by 31 January or something?;)

Like this:
http://www.bbc.co.uk/news/business-26969933

A customer has turned the tables on his energy company when he "fined" them for late payment.

vivatifosi

PasturesNew wrote: »

That's because you're posh :P

I got 2/100. "You’re not very posh."

I've got a fountain pen - because my sibling was going to throw it out years ago... never used it.

I've got art because my sibling made me buy a £10 picture when we were on holiday 20 years ago - then I've ended up with hers too as it was "mass produced tat for the tourist market" and not quality art.

I got 15 1/2. I'm not very posh either.

The half is not official, I've awarded it to myself. One of the points is for having a moat, I've awarded myself half a point as I got one for a while when the water main in my road burst. The rest of my points are for normal stuff - like owning knives and forks and for having a full set of mugs.

lemonjelly

Inland revenue fine you for late payments/returns, don't they? Proportionality & all that.