MillsyVRS

Originally, PPI loan payments were a single premium added to the loan at the loan inception. Later this was largely stopped and PPI premiums were separate monthly payments instead. Normally the first thing that the banks would do (at least the one I worked for) is cancel the PPI if the customer defaulted on their payments (if the PPI couldn’t be used to help them that is). Don’t get me wrong, I’m sure it regularly was missold, but it was actually quite a good product, providing you were eligible etc, which is part of the whole miss-sale as some people such as self employed, weren’t. I saw people who really benefited from having it though.

The world might go through climate changes naturally. But I honestly believe that anyone who thinks the destructive activities of 7.5billion people on this planet won’t make the slightest bit of difference is simply ignorant beyond belief. Massive changes are needed by every single person. Reduce the use of fossil fuels and use public transport or walk or cycle more. Try and buy things that don’t contain palm oil, and lobby big companies not to use it. Massively cut out meat fish and dairy from our diets. Plant as many trees as possible and stop deforestation. Fully understand people’s comments about China and India polluting etc but I just think everyone needs to do what they can regardless of what other countries might be doing. Just my two pence

I worked for a bank’s PPI department for a few years so not a lot I don’t know about it! Credit cards are what the biggest pay outs are from. They would have been spending big to get that kind of money back. The banks will give all the premiums back they paid, plus 8% interest of the premiums that were paid after about 1993, and 15% on premiums paid before this. PPI was one of the best savings accounts you could have!

Thanks all for the replies. It may seem like it’s an obvious decision to say no but there were a couple of other factors not worth explaining that made it a little harder to say no. Just needed some of the above to help clear my mind and think straight on it. I’ve lent money to him personally before and always got it back, but businesses are always a different matter.

Hi all, has anyone ever invested in a friends small business or company? if so, how does it work? I have some understanding of buying shares in a big company on the stock market, but if I was to invest in a very small company, how does it all work legally? What would I need to prove I had given X amount for a certain percentage stake or X amount of shares in the business? Would it just be a friends agreement as to if or when a dividend was paid or wait for them to buy back my shares? He said they value the business at £100k, and expect to be at just under £1m in a couple of years. Very big and attractive growth figures. Obviously i’d love to help a friend and make some money but also slightly nervous about losing money if there’s nothing in legal writing. Thoughts and advice? I’m just not sure how it all works. Thanks!

I never got any bites that I can remember when we went

Loads of other photos but yeah, it’s lovely!

I ended up going here: http://www.watersidefarm-campsite.co.uk/camping/ could not recommend it enough. Good, clean facilities and absolutely stunning surroundings and scenery. Walking distance to a nice pub that did nice food and had board games to play, plenty of good walks to do etc. It was beautiful and we hired boats to go on the lake that we were just metres away from. Rained like nothing I’ve seen before on the first day and a bit on the second, but after that the sun came out and it was perfect. Definitely look it up. Hell of a long drive, but definitely worth it.

I emailed Unit 18 about a map from Shark a few days ago and asked about the liquidation when I found out today and for this reply: “It’s just Shark HQ that was affected, everything else is business as usual for the foreseeable, all software still available and development will continue. The actual read file to access your ECU was only released just over 4 weeks ago so it really is still very early days.” If Shark HQ is down and no doubt jobs have gone etc, how will development etc continue?

Thats a shame :(

I’ve also been trying to contact them since june through email, Twitter, phone etc and never heard a thing. Their voicemail says they’ve got phone and internet problems but they can’t still have had that for almost 3 months?! i thought they were well regarded in the industry, surely they haven’t just closed down the business without saying anything?

Hi all. I keep reading all these reports about car thefts massively on the rise, especially of the german brands and cars with keyless entry. Made me more concerned about it. Firstly, has anyone heard of a ‘ghost immobiliser’? Doing a quick google search of it and it sounds like it would make your car much much harder to steal. Secondly, does anyone have any aftermarket immobilisers or security features fitted? Are there any aftermarket systems that are endorsed or recognised by insurance companies? And are cars really that easy to steal? A lot of the videos you see suggest even the high end ones can be stolen in seconds. Are the manufacturers security systems up to scratch? Or car theives always one step ahead? I’d be interested to know peoples experiences with extra security and after market immobilisers etc. Many thanks and sorry for all the questions! Mike

And if people aren’t sure what this act is, I urge you to read ‘Red Notice’ by Bill Browder. Fantastic book.

I work for a banks PPI department and it sounds like you didn’t have PPI, but there’s no harm in asking your bank to have a look. (If the card was taken out after 2011/2012, it’s extremely unlikely that it will have it as they stopped selling PPI all together around this time).

SOLD

SOLD

Hello, I've frustratingly curbed my wheels a few times, despite having tyres that are meant to have some sort of protective lip on them. So I'm thinking of getting a refurb, and then fitting some of those alloy wheel protectors? Like these sort of things: https://rimblades.com/rimblades-shop/ has anyone bought anything from the above or have experience of this type of product? many thanks!

Thanks Trevor, it's been a good car! Has had no issues whatsoever, and no doubt the engine will go on for years. It's so big and comfy inside, but we just don't have room for my grandfathers cars!

Thank you, I will!

Also for sale is the 2nd of my late grandfathers cars. It's a 1998 Jaguar XJ8 3.2 Executive (automatic) with just less than 50,000 miles on. Not bad for a 20yr old car! It never once let him down and the engine still is smooth as anything and has god knows how many miles of life left. It has full service history, all paperwork and 2 keys. It's only had one owner since new. The body work is that of a 20yr old car with a few odd small blemishes etc that you'd expect, but no rust and the interior is in great condition, everything works and it's beautifully comfortable with loads of leg room in the front and back. It has just been MOT'd so it almost has a full year MOT on it with very minor advisories, absolutely nothing to worry about whatsoever. The car was just used to go to church a few miles away every now and then, and then to go on longer trips on holiday once a year or so. Car is in Fleet in Hampshire (GU51 4HG) NEED A QUICK SALE. Any questions, please just ask, and I'll get back to you ASAP. Viewings are welcome. ***Price - £1999ono***

My grandfather has recently passed away, so we are now needing to move on his 2 cars. Firstly, is a 2005 BMW Z4 in dark blue. It has full service history, MOT until May 2018 and less than 19700 miles. Because of the miles it's done it's a little hard to put a price on it, but everything works perfectly and we do need to sell it quickly. Engine is still as smooth as anything as you can imagine and the soft top roof has no tears and opens and closes without any issues. The car has been garaged it's whole life whilst in the hands of my grandfather and to be honest was barely driven. It has 2 keys, and all the relevant paperwork. He was the second owner also. Could make for a good weekend car! The only not so good aspect of the car is it has a couple of patches on the rear and front bumper where it looks like my grandfather (who liked doing things himself) looks like he may have tried to carry out a repair himself. They may have just been scrapes because I know the car has never been in any accidents. Tyres all have loads of life left and it was serviced a few months ago. Just to re-iterate, the car needs to be sold soon and viewings are absolutely welcome from Fleet in Hampshire, GU51 4HG. If you have any questions please feel free to ask and I'll get back to you asap. Annoyingly I'm having trouble uploading things to photobucket so I can only upload a few images here, but for more photo's i'll happily email them over until I can upload them. ***PRICE - £4999ono*** Thanks for viewing.

Yeah, I used the official government one. Just comes up with an error message, and has done for a couple of months. Like you've said, maybe they've changed the number plate which is a shame, wanted to be nosy and see how it was getting on!

When putting in my old Fabia's details into the MOT checker website, it just says sorry, we can't find a car with those details? Does that mean there's a fault with the website or the car is no longer on the road anymore? It was a 2011 vRS so I was hoping is still going!

Haha thanks!

Hello - My partner and I would really like to spend a few days in the Dordogne region of france at the end of august, beginning of September time, so fairly soon. We're looking to stay somewhere via AirBnB as you get the most for your money and we feel really adds to the experience, staying in an old French farm house or something for example. Basically, I'm just looking to see if anyone has been recently and if so, where abouts did you go? We'd like to be in or near the heart of a nice village that we can walk through and look at the markets, nice scenery, take boat trips along the river etc. Any particular villages worth staying in? Is it worth hiring a car and driving around the region? Or can you go to one place and do lots of walking kind of thing? It is really meant to just be a relaxing sort of trip for 3-4 days to soak up the scenery, sunshine and good food hopefully. If you do hire a car, I presume it would come with all the stuff in it that French law now requires? And which airport is best to get there? Bordeaux or one of the smaller ones nearer the region such as Bergerac? Sorry for all all the questions and I hope someone is able to help out! Thanks! Mike