Elite 11+ Where everyone is welcome :)

gardenia

Thanks Arthien
I did put extra soil on top, their only just started to go yellow, can't wait to see what's in there :T

Claire1972

Shortfatscotsbloke wrote: »

The 3 for £10 in M is probably bad for us because when we buy a trigger in A, the apg machine only sees 2 items, not the three that you need to compare to the M 3 for £10 price.

Thanks for this, yes when I've thought about it your right, apart from the oil isn't included in the offer in morrisons x

dipdap

Arthien wrote: »

Oh, sorry to hear this

We were turned down for no apparent reason in May last year, but then we were accepted in July, so things can change pretty quickly!

If you don't mind me asking, are you using the overdraft/CC that you mentioned, or is the balance constantly zero? Hubby and I were told not to use any credit whilst our application was going through, and then there was a clause on our offer to say that if they found we had used some of the credit we had available to us in the time between the mortgage offer and completion, the mortgage offer could be withdrawn. It made paying for a wedding the month before a bit of a tight one, I can tell you! :eek:

I'm constantly using my overdraft and the credit card that showed up is usually at zero (I haven't paid interest on it in years) as I pay it off before the bill is due.
The broker did say something about mortgage terms having things written in them about clearing all our debts (which we plan to with our equity when we sell).
I may have to look into removing my overdraft completely if that's causing complications and we can stop using the card, DH only uses it for fuel and shopping when he doesn't know which account has the money in.

Thanx for your advice
I've now got to go back to fidgeting while I wait for the broker to ring me back again later on

Dizzy_Ditzy

gardenia wrote: »

Good afternoon everyone
I have a question for the potato growers , I have some growing in large pots , do I dig them out when all the leaves have gone yellow or is there a set time around 90 days , when do they stop growing
I had a peek as could not wait to see what was happening about three weeks ago and they were small new potato size but with Morris f&v I already had some so decided to leave them in. Thankyou .

Generally they say leave them until the leaves have yellowed and died back, but it wont hurt to have another dig around and see what lurks beneath

silverhairgranny

Good afternoon.
Been awl for a while can some kind person direct me to the information that tesco is accepting asda;s APG
Many Thanks

dipdap

tweets wrote: »

Wish Mr T would send me £6 off £30 spend

I do most of my shopping there and don't get any plus till never spits money off ? spend coupons :mad: Last time I got one was ages ago and time before that cant even remember

tweets I don't get any either
My mum does though as she's switched all her shopping to As and the budget supermarkets.
I would go elsewhere but they're all too far away for my weekly shop

Amanda4242

silverhairgranny wrote: »

Good afternoon.
Been awl for a while can some kind person direct me to the information that tesco is accepting asda;s APG
Many Thanks

Hiya
As far as I am aware there are only a few Tesco's that are participating in accepting APG's. I know there are quite a few in Bristol from memory maybe some in Slough - hopefully someone will have the info and post soon. Not nationwide yet! Fingers crossed soon though

gocat

tweets wrote: »

Wish Mr T would send me £6 off £30 spend

I do most of my shopping there and don't get any plus till never spits money off ? spend coupons :mad: Last time I got one was ages ago and time before that cant even remember

Wish mr t would send me some of them too. I didn't even get the do 2 or 3 online shops get £20 off 3rd or 4th shop that each of my sisters got :mad:

Arthien

dipdap wrote: »

I'm constantly using my overdraft and the credit card that showed up is usually at zero (I haven't paid interest on it in years) as I pay it off before the bill is due.
The broker did say something about mortgage terms having things written in them about clearing all our debts (which we plan to with our equity when we sell).
I may have to look into removing my overdraft completely if that's causing complications and we can stop using the card, DH only uses it for fuel and shopping when he doesn't know which account has the money in.

Thanx for your advice
I've now got to go back to fidgeting while I wait for the broker to ring me back again later on

Yes, that sounds like a plan. I think what made the difference for us was us stopping using any overdraft/CC, and mortgage lenders seem to have really tightened up how thoroughly they check you these days. I think the problem can be due to you having too much credit available, even if you're not actually using it all or paying any interest on it. Funnily enough though, after all that hassle and scrutiny, no-one seemed to care that our deposit was partly funded by DH's loan, which he took out the year before for a car, and then sold the car and put the cash into our savings whilst still paying off the loan. We only applied on the off-chance it might work, we never actually expected it to go through!

Good luck with the second lender! Are you sure those are the only 2 options? I'm assuming the mortgage broker will have checked, but just make sure the broker is independent and they're not offering you those 2 for a reason, ie perhaps they get a percentage for the referral?

its_a_secret_66

Amanda4242 wrote: »

Hiya
As far as I am aware there are only a few Tesco's that are participating in accepting APG's. I know there are quite a few in Bristol from memory maybe some in Slough - hopefully someone will have the info and post soon. Not nationwide yet! Fingers crossed soon though

Hi there was 17 stores. If you phone the free phone tesco number on page 1 they will tell you which. Off the top of my head it appears mainly up north .