I have offered to help a friend find a flat and so we have both been looking at what estate agents Cardiff have to offer. There are loads to choose from and he asked for me to help check them all out and make a shortlist, which we began a month ago and have just finished.
He is not from the area and has been burnt in the past so when we spoke we decided to thoroughly vet all the potential agents and get a shortlist to eventually meet up with. We started with the obligatory Google search to give us a vast list to go through we also went on all the top ones websites and then looked at the properties they had on the website.
I also had a look at the reviews and the social media pages associated with them. This was very enlightening as many of them had a few really bad reviews and these did put me off a bit. Equally there were a few that seemed a bit too good to be true but the ones that seems to check out made the list.
Once we had our shortlist we both did some mystery calling and asked some questions about some of the places each had on what was interesting here was the variety of feedback and stuff that came back from the different agents. Many sent back irrelevant stuff whilst others sent newsletters property alerts and all manner of things. The list was getting shorter but still quite long!
The last in our systematic look at this was to meet with the few we had left to whittle it down to the agent of choice for my friend. Meeting them did add another dimension it’s all well and good speaking over the phone and emailing people but getting to sit down and chat to people is something completely different. Some we liked, others we didn’t and interesting it was that it wasn’t the same for each of us as one I really liked Joe hated and vice versa. Luckily for both of us was we both agreed that one of the ones we both liked was the one for us.
A big thanks you to them for all their hard work in finding my friend the perfect place and all that is now left to do is help him move in all his stuff and organise a fitting house warming party to get him into the swing of things in Cardiff.
We went to lots but here is where we ended up renting his place from http://www.pmpremier.co.uk
It’s that time of year again when I have a blind panic about what to get everyone for Christmas. Mum and my sister are always the hardest to buy for but this year one has got me to pay for my most bizarre online purchase to date. My sister is fanatical about hair and beauty products and this year she wanted me to pay for her micro ring hair extensions.
I can’t say I ever realised this was big business and certainly not the cheapest thing I have bought for her but given I have been banging my head against a wall over her gift I was just glad to get something she actually wanted. I also managed to pick up a few bits for mum on the same website that little sis tipped me off about. They had been looking online together and she mentioned a few things she also liked so thats another winner for me.
Party season is upon us again and I have a few nights out planned its the works party this week and that is always a messy one and after that its my gaming clubs night out which again always ends up with me having a horrific hangover the next day. This year will i am aiming to pace myself but who knows.
We (the girlfriend and I) are over Mum’s for Christmas dinner this year and judging by her comments I think she is really pushing the boat out for us. It will be nice to have everything done for us and she does do a great roast so I am already looking forward to that.
This will probably be my last post before the festive season so I would like to wish you all a very Merry Christmas and a very prosperous New Year.
Today I have a long drive to go to watch the football and before I leave I have gone online to get a free sports bet no deposit to back a big Man City win today. I fancy us to get a big win today against Burnley which will make the long drive worth it. It is a late kick off so I am going to make a start soon and stay overnight as a few of us are going to go out for a few beers after the game and make a proper night of it.
We have to make it count today as Arsenal and United both have tough ties this weekend. Arsenal are away to West Ham which is a potential banana skin and Man Utd take on Tottenham tomorrow so if we can win convincingly today it would be great. The Arsenal game is at 3 so we will already know if they have slipped up.
I have gone for 1-3 for my free sports bet no deposit prediction
I travel up to Burnley today full of confidence and pretty sure of a win but to get decent odds I have gone with a specific score of 1-3 and also Kompany to score in the 90 minutes as well. He has taken a bit of stick lately which is bizarre to me as he has been one of City’s best players for years.
It should be an easy win against a pretty poor Burnley side that has struggled to get back to the form they were in at the start of the season.
My free sports bet no deposit is in tatters
What a difference a couple of hours make! We were hopeless and dreadful and Burnley looked like world beaters. I cannot believe we drove that far to watch that rubbish. The only plus side was a great night out to drown our soarers after that dismal performance.
The only thing they may well make today slightly more palatable is if our cocky neighbours get turned over at Old Trafford today and given their recent run outs I can see Harry Kane causing them a great deal of problems today. We will also need a massive cock up at the Bridge to give us even a sniff of a chance for retaining the Premier League today.
With the remainder of my free sports bets no deposit offer I have left I have a few pounds on Southampton and Spurs so hopefully they can do the business for me today. http://www.freebetsinternational.com
Every year we have our annual gaming awards in Manchester and this year I am organising the engraved plaques for the trophies. We hold this very important event in all of our diaries around Easter time each year. It’s a great way to catch up in the real world although most of us keep in touch online for the rest of the year.
There is about twenty awards that we award from best retro gamer to a classic Manic Miner Boss award which is for a giggle but fiercely contested every year. It is also a great excuse to get wasted and there are always enough funny stories to keep us all amused for the year until we meet up again and someone does something really stupid whilst under the influence.
With plenty of trophies up for grabs we all have a good shout of winning one and this year we have done a cracking deal with the Radisson Blu to make this year a weekend event spectacular.
Local company are engraving the plaques ready
I have commissioned the work now for the trophies and they are with the engraver now and in about three weeks time I will be picking them up ready for the big night. I ended up going with the company I eventually picked as they were easy to deal with and helped me make some decisions I was pondering over. They helped with the design process too as I wanted to add a bit of sparkle to the job and something that had not been done before.
I have added some visuals to the plaques and they were great from the point of view they even came up with the designs for each of the awards. It has cost a bit more than last year but I hope they will have the desired effect and add a bit to the event.
Many hours practice to ensure my names on the plaques
I have put in the hard yards to ensure my names on at least one of the awards. What started out as a bit of retro fun has turned into an obsession of mine. The Spectrum favourite Manic Miner now takes up way to much of my time and effort but I am hoping I can bag the awards then go cold turkey post win. To say its addictive is an understatement and I am guessing I will have the shakes when I hang up my boots on it after April.
For next year we are planning a different retro game award and Escape from Colditz and Lunar Jetman are both early front runners. The vote will take place on the night and then we all have to get a copy and start racking up the high scores.
If you want to join our merry band of gamers get in touch and I will let you know the details and how you could get your name engraved on one of the gamer zone plaques. http://www.stonesign.com
I was doing my accounts at the end of the year and my accountant has picked up on the detais of a loan I took out with swaps embedded into it. He was going through the year end accounts and mentioned these swaps as a company he was working with had started to make claims against the banks do to new guidelines that the FCA had set out.
He suggested I had a call from this company to check things out and I agreed as he said it was well worth looking at. The loan was taken out when I had the gaming shop in town and at the time I really struggled with the payments which seemed to go up every month.
The guys from the claims company gave me a call and asked me quite a few questions around the loan I took out.
swaps were embedded without me knowing
After about half hour of checking it was certain that I knew nothing about the swaps that were added into the agreement. This practise was widespread and found to be dishonest and so now the banks are having to pay back money they took using these practises. It made me so angry to find out they had done this and especially as they didn’t even tell me what this was about and and the same time I feel a bit silly for not checking it through properly. At the time I really need the loan and everything else was just a side issue.
The claims company said they would start the process of contacting the special team at the bank that was dealing with these types of cases and within a few weeks I heard back and it was good news. The loan did indeed have a mis-selling case and the bank have agreed they want to settle the claim for me.
swaps claim is now going through
The claim against the bank is now being dealt with and it looks like I will be getting a big windfall from the claim. It did take its toll on me at the time and to be frank probably had a big influence in me shutting the shop and so I guess its only fair that they should pay it back and provide adequate compensation for the wrong they did.
It is all a bit out of the blue but very welcome news and since starting the process I have started to see more and more of these stories in the news. It seems that this scandal will be the latest thing to hit the banks and expose the kind of things they were getting up to. Its great they are now being brought to the front pages to shame them into changing these bad ways to do business and hopefully it will lead to a more transparent way of people doing business.
If you had a loan and are not sure if it had swaps embedded in it then give these guys a call and they will check for free www.triumphlegal.co.uk