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Post by sannytwist on Nov 6, 2017 12:40:19 GMT
So contacted several parties which are supposedly responsible for this issue like environmental health who all who don't really want to deal with me. The usual, just passing me around.
So made up my mind, going to sought legal advice and get a quote for solicitor to send a letter to help nudge my repair enquiry in the right direction. The housing still have a few days to get back to me but will most likely will end up with 'its very normal, nothing can be done even if it affects your health' typa response.
Spoke to plumbers and this is a problem that can be fixed.
Still hoping.
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Post by sannytwist on Nov 5, 2017 1:05:07 GMT
In addition, a plumber is coming out next week to have a look. Without actually seeing the problem his initial thoughts are it would cost alot of money and collaboration with other tenants to identify the specific parts of the pipe that is contracting/expanding and rectify it. Difficult but not impossible as he would need to gain access and check the connecting drain pipes to the 3 x toilets and kitchen of the properties above me. Realistically though the housing can tell me which sinks and taps are using these pipes as all 3 properties above my flat are owned by them.
An alternative solution would be to insulate the section of the pipe (wrap acoustic pipe material that reduces/absorbs noise) that comes down to my flat or insulate the wall, which effective soundproofs the noise from the pipe. However neither types of insulation is guaranteed to work . This will cost around £1000 -£1500 and require to go through the wall to access the pipes.
Just now, l'm of the opinion l should hire a solicitor and arm myself with the title deeds, time stamped recordings of the noise and look for legal advice.
I mean if the plumber told me there is a effective solution without the need to get the housing or other tenants involved l would pay and get it over and done with. However, everytime l think of paying for plumber to insulate the pipe without gurantee of it being able to reduce the noise effectively and me forking 100% of the money for pipes l don't even use. That gets my blood boiling as its not fair or reasonable.
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Post by sannytwist on Nov 5, 2017 0:33:43 GMT
I am very desperate for some valued opinion on this, as expert advice is hard to come by. After asking a few plumbers to visit the house they all were reluctant to get involved which they explained is a common occurence but also is further complicated by the fact it is a ex council flat and major repairs on communal pipework would not be authorised by the housing. So they wont' fix it but they wont' let me fix it. They have my balls in their hands, so to speak. pikestaff , yea after doing a bit of research on the matter. It could be a combination of things as it has been 5 years but you are correct it is most likely noise coming from 'contraction/expanding' of the pipes and rubbing off any wood. Another reason could be the clamps that hold the pipes could be too tight and that creates noise too. The housing won't pay for all the repairs because it only affects me and the overall financial commitment is not cost effective for them to fix it. I assume if they wanted to fix it , it may cost them around £3000 or less. My argument is that the communal pipework doesn't serve my property but goes through my property and now it has a defect which has a huge hindrance to my quality of life for past 5 years. Its pretty significant really. In the mean time l'm going through the housing repair procedure which l was denied support 5 years ago but l never escalated the process to stage 2 which is effectively a complaint procedure from then on. After if they still won't help then l can go to the Scotland Housing Ombudsman, after that my last attempt would be to speak to a solicitor in housing law. What l want is for the housing to take reasonable and fair action, the fact that they wouldn't even inspect the pipework or other properties which share these pipes above my bedroom is shocking. When they came to my house they just looked into the open access panel on the wall the noise was coming from and said 'its totally dry, no water leak no damage' there is nothing that can be done. Problem is it has a effect on my health now, the noise is so bad l have no choice but to make a case against the housing. Anyone with a housing or legal background or solicitors here that care to make a comment? Any opinion would be appreciated.
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Post by sannytwist on Nov 4, 2017 6:55:08 GMT
Hi all, its been a while since l posted. Been busy with a ongoing housing matter and was wondering if someone here might have any insight or advice they can share with me about my situation.Any opinion, is appreciated. The issue began several years ago when l noticed the noise of dripping water in a wall of my bedroom. It is a stud wall and inside has communal pipework , most likely drainpipe to remove water from the flats above me which consists of a kitchen , toilet and a bedroom. The property is a ex council main door ground floor property somewhere in Scotland. Notified the housing who manages the tenement building who came out to have a look and basically just looked into the open access panel in the wall where the noise was coming from and told me there was nothing they can do as there was no evidence of water or damage. Reluctantly, l put up with the explanation and suffered this noise only to have it get progressively worst over the years. The noise is bad now and randomly occurs in intervals of 20 to 40 minutes which adds up to 2 to 3 hours a day. Everyday. The noise is very similar to the two links below, only difference is the noise is in my bedroom. www.youtube.com/watch?v=cV8JWjtGmhI www.youtube.com/watch?v=wTYFHGfz09g As you can imagine life becomes intolerable after 5 years of this noise. I'm in the process of again contacting the housing association and with no clear indication on repairs with respect to 'common parts' in the title deeds. So therefore under the 'Tenement Management Scheme' l assume it is adequate for me to contest the housing association and other leaseholders in the tenenment that this is their responsibility to adequate service or repair the communal pipes. In addition, l think l'm within my right to ask for them to replace my stud wall if they require to open it up. Has anyone experienced this before or know what l'm talking about, sorry for the long. Regards, Sanny
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Post by sannytwist on Aug 10, 2017 10:43:29 GMT
Hi all, with the small number of daily loans on unbolted l'm surprised this is a sustainable business let alone a profitable one. What do others feel? Some days this p2p platform literally has the odd 1 or 2 small bling loan between a couple of hundred pounds to a few k.
While l see that there is no shortage of lenders signing up for the bling loans and perhaps like me have a small amount to drip feed across a diverse number of loans, the business must be able to make money on the long term?
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Post by sannytwist on Aug 10, 2017 0:15:21 GMT
This is a sad example of a p2p loan going bad and a incompetent p2p company doing nothing for the lenders.
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Post by sannytwist on Aug 9, 2017 23:15:29 GMT
To be fair I think Paisley is a much better place than it's reputation. There are some swanky new developments and plans for more. Some new restaurants and upmarket bars opening up. It does have a university as well, University of west of scotland, although I don't know anything about it.
There are far worse areas to live and be a student.I disagree, there are nice areas of Paisley but mostly residential areas. At the center of paisley and immediate surrounding this area is the wild west, particularly in the evening. There are far worst areas to live and be a student but you are talking about very wealthy students who pay on average around £40k (including student accommodation, and small spending allowance for a 12 month masters course ). This is a minimum average. Then you have the Chinese students who are buying high end cars and property while they study in the UK. Not your average foreign student.
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Post by sannytwist on Aug 9, 2017 21:53:21 GMT
Paisley seems an improbable candidate. Paisley is a wannabe contender for a future UK city of culture. With its rich heritage too, it might make for a good place to attract overseas students with a language school, but the area in general does need a bit of investment. This lies the problem, Paisley after 8pm is notorious for the wrong reasons and the plan is to attract Chinese students ? I think if that was the case the Alexandria Parade Hospital is the first place that will need more investment. Just now in Glasgow the west end is the main attraction for the thousands of Chinese students mainly at Glasgow university but the whole area surrounding the university has been purchased for Chinese businesses and property to cater for these students. This has had a booming effect for businesses in that area. The west end of Glasgow has always been the upbeat, safe and posh area for students with money. Why would highly intelligent wealthy people want to go to a place in Paisley and get stabbed? Not saying its impossible but wouldn't bet on it to happen in my lifetime.
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Post by sannytwist on Aug 8, 2017 18:16:43 GMT
I now feel less comfortable about MT, so I cut down a few loans to withdraw to another platform, however I now find that amount " Funds now frozen" what is all that about and how long will they be frozen? It always does that when you withdraw your funds. On business working hours this will be a few minutes but out of business hours this can depend but you will get your withdrawal when someone at MT confirms it. I also withdrew 80% of my funds from MT on to other platforms following the decision made to follow thru with the Paisley bridging loan, its rather disappointing to say the least. One can only assume it is a business decision to keep immediate funds from the AE loans within the MT platform which is somewhat successful but ultimately a gamble with the reputation of this platform. Probably will come back depending on when/if the London Restaurants loan goes live,without doing any DD been eyeing that loan up since its been in the pipeline, looks like a solid long term loan.
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Post by sannytwist on Aug 8, 2017 11:22:30 GMT
I don't have a problem not taking any part of this loan either, considering the issues that was discussed at the start of this thread. More % for you guys who want to pump money in this
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Post by sannytwist on Aug 8, 2017 6:58:21 GMT
I think (though I cannot be certain) that MT is unusual in that a majority of lenders are readers of this forum. If this is the case we may see this loan pulled or at least revised. If not it will go ahead without my AE cash even though it is burning a hole in my purse. I got a strong feeling your purse is pretty big
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Post by sannytwist on Aug 7, 2017 18:00:33 GMT
This is hilarious indeed, loving it. Popcorn anyone
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Post by sannytwist on Aug 6, 2017 18:21:47 GMT
I've got much more in the 13% tranche that sits behind the 10% bit. A little bit of 10%, a lot more of 13%. That was necessary to hit my overall return target whilst building in some risk mitigation. Comfort is provided by the Broadoak 5% of first loss safety blanket. And fortunately I'm not nearly as exposed to this one as I was initially as I sold some along the way to diversify into other MT loans. Hopefully MT and BO will manage this one to a satisfactory conclusion and the loan parts for sale are still earning interest as things progress. I am relaxed and have every confidence in the platform. It's a good lesson in why nothing less than 12% overall should do given the risks. For people in it for the medium to long term, some capital losses are inevitable and that's why I think it's important to aim high and set the bar at 12% with some 13% and 14% thrown in for added padding and protection so you are insulated against the occasional bit of loss and can continue to hit 12% overall. There is truth in going for the higher rate p2p loans 13-14% rather than the lower rate 8%-10%, think in the general thread of this forum there was a recent article showing how long term investments in p2p can be rewarding for those who take higher risk and in the event of a catastrophic financial meltdown the higher risk takers will be much better off anyway. Interesting read, pls spend 5 mins to have a look.
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Post by sannytwist on Aug 6, 2017 2:19:12 GMT
Certainly will do, I have the plan in place its just having the balls to carry it out, my thoughts are to find I had 10k to invest I would not have an issue putting it in p2p so why would I not consider borrowing 10k to put in, I know p2p is more than a risk than my bank. I did consider putting £5000 into bondmason at 6.5% to give me exposure to a number of platforms I will see where I go with this, I am going to ponder it for another few weeks yet If your gonna do it why not just spread your money on to different p2p platforms yourself and earn the full whack of interest. l rather spend a good amount of time doing my DD on loans from the likes of MT and get between 10-13% interest than effectively giving ure money to someone else to do it. Up to you though.
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Post by sannytwist on Aug 5, 2017 20:45:00 GMT
Every crumb and morsel has been hoovered up LOL. Hooray, the SM has returned to its former glory days! ? I still see "£358,699.00 available funding remaining" (all Birkenhead) I didn't include Birkenhead, need to edit
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