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  1. Fiocca

    Fears Sadiq Khan will bring in pay-per-mile road taxes after spending £3m on project

    That would be the easiest and best way to do it via the MOT, but, you have now created an issue for everyone because suddenly you have a tax bill of potentially thousands to pay as it's mileage for the whole year. Only way I can see it working is with black boxes and I can't see that going down...
  2. Fiocca

    Fleecehold

    It's a shared ownership mortgage though, might be able to do something I guess if I stayed with the same lender. I should probably look into it all really, just don't have the headspace for it all at the moment.
  3. Fiocca

    Fleecehold

    Sorry I meant it had 92 left years when I bought it. It was built in 2008-9 so actually it must have had a couple more years than I thought above. But no, I haven't looked in to it in regards to cost because I'm really overwhelmed with life stuff as it is and even if it was only 5k, which I...
  4. Fiocca

    Fleecehold

    The lease was only 99 years when it was built. Was 92 when I bought it. Tbh I didn't know about the pitfalls of leasehold and it was the only way my ex and I could get on the ladder. And yes, I know all about the marriage value etc now, a bit too late mind. The whole thing is a scam. What...
  5. Fiocca

    Fleecehold

    I'm in a shared ownership house. Bought my ex out after she left so on my own in a big 3 bed. The house has I think 84 or 85 years on the lease so it's close to the point of needing extension. Id happily downsize but I'm sort of stuck as the house is cheap to pay for with half mortgage plus...
  6. Fiocca

    Words that grind my gears!

    When my 8yo daughter calls me bruh. Makes her sound thick as... Hate it
  7. Fiocca

    20 year club

    Only 15 for me, but read since around 2002/3. Don't come on here much nowadays though. Crazy to think I wasn't even 20 when I started lurking, I'm imminently 40 with a lot less hair and definitely not enough money to build PCs!
  8. Fiocca

    What are the most popular threads ever on this forum?

    It's been years since I've read it so can't remember details but the one where the OP goes in his gf mums was it(?) and gets a proposition, sure it involved a car with a flat tyre, leopard print and a bin bag. I'm sure someone knows what I'm thinking of though I'm probably way off.
  9. Fiocca

    Microsoft acquire Activision

    There are tons of existing IP that get affected by exclusivity. That goes both ways but the latest example off the top of my head is FFxvi. For remedies, they've signed a deal with Nintendo to bring cod to their hardware. Signed deals with a lot of small cloud gaming services to put games on...
  10. Fiocca

    Microsoft acquire Activision

    COD isn't going anywhere anytime soon. Not only that, this deal will put it on the switch and it's successor plus possibly cloud. That's even more choices for people to play it. But I don't have an issue with this deal in any case. Sony use their market position to squeeze out competition by...
  11. Fiocca

    **The Mental Health Thread**

    Quite possible it's related to that. I'm sure my diagnosis is correct because I remember when I was in primary school I was always being told I was bright but I didn't try hard enough. My bedroom was a mess because I liked to break things and leave it everywhere and aside from the breaking...
  12. Fiocca

    **The Mental Health Thread**

    I was recently diagnosed privately. I'm convinced my diagnosis is correct. This programme will do more harm than any good because getting a diagnosis and medication is difficult as it is and there's a massive stigma around the condition. This will just make things worse. The real issue is the...
  13. Fiocca

    Mortgage Rate Rises

    Yeah the people almost gloating in this thread pee me off. I bought this house with my ex wife. We split last year and I bought her out to keep some stability for my daughter. It's shared ownership so the mortgage and rent is affordable. But I'm a single father and if it goes up too much I'm...
  14. Fiocca

    Mortgage Rate Rises

    I don't understand why we don't have lifetime rates as standard. A home is a basic necessity and the ability to pay for one shouldn't be vulnerable to the wider economy aside from personal circumstances. That's not to say people can't choose a variable if they wish. I split with my wife last...
  15. Fiocca

    Unmarried living together split after 18 years sorting finances

    Sounds like financial abuse to me. There is a brand new law out that deals specifically with this. She should go down that route as he has completely taken the pee.
  16. Fiocca

    Best Investment for around £7k - Left over savings from buying house

    I'm not sure on the investment side of things but if i was you i'd keep a few grand for emergencies. We bought our first house last august and already 3 weeks ago our washing machine dumped all it's water out flooding the downstairs so had to buy a new washing machine and have to get new carpet...
  17. Fiocca

    Brexit thread - what happens next

    German Christian democrat MEP Manfred Weber, who leads the centre-right EPP group - the largest in the Parliament - says that the hopes of younger, more pro-EU Britons have been "destroyed". He says that the referendum result is a "victory of the populists", with "new walls" being put up by a...
  18. Fiocca

    Brexit thread - what happens next

    So two options: Renege on the decision and have half the electorate peed off at the politicians and have racists going nuts at the government. But the economy becomes more stable and back to almost where we were. Look like complete morons by the world by doing it in the first place but a big...
  19. Fiocca

    Brexit thread - what happens next

    Originally Posted by TwsT View Post Not all brexiters are racist, but all racists now think 52% of the country agrees with them. Nail. Head.
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