Screwed in the arse by insurance companies (house)

[dangerous]

Ohhh yeah... sit down for a good rant, Ya bout to get a ear full.
Thought I was doing the right thing for the family, (2 under 3's 2 cats 2 dogs and the missus) Sold the chch house to a needing couple they love it plan was to move to the country the boys would learn to ride rather than how to bust up bus shelters. Lumley our insurance company said they will insure us providing the geo tec report was a good one, it was as expected, so money was loaned for the land, the bank will give the rest when the house is insured.

Lumley now say NA... sorry so we are now left with land we can not do any thing with and no shelter for the family, renting in chch is unavailble and house prices are through the roof and thats if you can get one. Im fucked, what to do?

I know full well the land we have is some of the best availble, sure there was a recent quake centered out there but nothing since and the likely hood of it happening again is very rear.
No damage to the land at all accured and with a new house to be built on it with the latest quake strengthing built in it is one of the best suituations to be in should it happen... yet na, no way hose a, no insurance, not happening... farking cunts all I want is the best for my family I can achieve, so for the mean time its a 30yr old caravan for us all in a paddock... its not bloody easy, so what dosnt kill us will make us stronger... meh crock a shit.

[mashman]

How was the agreement made? There must be a record, either document based or a recorded conversation?

Get in touch with Fair Go... the dirty bastards shouldn't be allowed to get away with that shit. All the best to you and yer family man.

[tigertim20]

So they are refusing insurance because there was a recent quake centred in that area?
Harsh reality, if I was the insurer, Id be steering as far away as possible from anything that was potentially a higher than average chance of me having to pay out. It sucks for sure though, There are many others in a similar position to the one you are in.

[Madness]

Surely there must be a way. I can't help but think maybe it's all just a little "too hard" for the insurance industry at the moment - not a bad risk, just not enough resources and all to easy to just say "piss off Noddy". Maybe a decent Broker might have some ideas? Good luck fella!

[flyingcrocodile46]

If you didn't already record the details of your conversations with them do so now (assuming that the undertaking they gave you wasn't in writing?).

They made an undertaking (a contract to provide insurance) on which you relied when you purchased the property. Due to their failure to honour their undertaking you have been disadvantaged and have suffered damage (loss of amenity of the property caused by their refusal to provide the promised insurance cover needed to secure the finance to build) this is referred to as consequential loss. They know full well what consequential loss is and how vulnerable respondents are to consequential loss claims (as an insurer they are often a respondent).

You should talk to a good lawyer.

[slofox]

Joe Bennett took the piss on these dudes in a column recently...

http://www.stuff.co.nz/the-press/opinion/columnists/joe-bennett/5577155/Naive-citizen-vs-friendly-insurance-types

I think the relevant bit is this:

Naive citizen: Good. May I take out insurance for the rebuilding, please?

Friendly insurance person: No.

Naive citizen: Why not?

Friendly insurance person: We're not writing any new business.

Naive citizen: Why not?

Friendly insurance person: These are exceptional circumstances.

Naive citizen: But aren't exceptional circumstances the reason for taking out insurance?

Friendly insurance person: Oh, ha, ha, ha, you really are a very naive citizen.

Frankly I am with the OP on this one - Insurers are behaving like total cunts over all this. Like Joe says above - that's what insurance is BLOODY FOR!

+1 for talking to a broker - I do that anyway. But then I am not in Canterbury, eh...

[flyingcrocodile46]

Surely there must be a way. I can't help but think maybe it's all just a little "too hard" for the insurance industry at the moment - not a bad risk, just not enough resources and all to easy to just say "piss off Noddy". Maybe a decent Broker might have some ideas? Good luck fella!

The problem is the lack of underwriters. While local companies can and do carry some of the risk, they rely on underwriters to cover them.

The insurance industry is suffering at present with massive claims which they haven't got ready cash lying around to pay. They have to sell some of their international property investments and can't sell (dump) them on the market all at once (particularly in a cash poor international economy) as to do so would see them get insufficient investment recovery to remain viable (cover ongoing and future risks).

The instability resulting from continued shakes is in some ways helping them out as the urgency to spend claim money on replacement houses is somewhat diminished by the inability of people to get the insurance cover required to satisfy mortgage lenders. Taking some pressure off them to have to front with all the money at once.

At least that is my theory:blink:

[Edbear]

The problem is the lack of underwriters. While local companies can and do carry some of the risk, they rely on underwriters to cover them.

The insurance industry is suffering at present with massive claims which they haven't got ready cash lying around to pay. They have to sell some of their international property investments and can't sell (dump) them on the market all at once (particularly in a cash poor international economy) as to do so would see them get insufficient involvement recovery to remain viable (cover ongoing and future risks).

The instability resulting from continued shakes is in some ways helping them out as the urgency to spend claim money on replacement houses is somewhat diminished by the inability of people to get the insurance cover required to satisfy mortgage lenders. Taking some pressure off them to have to front with all the money at once.

At least that is my theory:blink:

Pretty much. If you were an insurance company what would you do?

[flyingcrocodile46]

Pretty much. If you were an insurance company what would you do?

Survive.

It's no help to the world moving forward if insurance cover can't be obtained. No one will want to risk their gold by doing anything with it that isn't a certainty.

[AllanB]

Pressure them under the basis you made the purchase based on the conversation you had with them.

Ring around to see if another company will insure you.

NEW policies are unlikely in Canterbury. Period. Understandable in this shitty environment.

A number of the big group home builders have guarantees of home insurance if you build with them.

[Matt_TG]

Estoppel is the term that's relevant here.

In very very broad terms, if you were lead to believe something would occur and it didn't, causing you financial loss you can seek compensation.

Ask your legal advisor to investigate.

[98tls]

Sorry to hear of your plight D,cant help re advice but if theres anything we can help with then sing out eh.All the best to you and family.

[Grumph]

[QUOTE=AllanB;1130158755

A number of the big group home builders have guarantees of home insurance if you build with them.[/QUOTE]

Yeah, but that's merely a change of position and a different dick screwing you....

I have sympathy for D's position but until the "G" word doesn't scare insurance companies the area of his property will be next to impossible to build on. Given the latest quake cluster I'd imagine it's the same now in Prebbleton.
I wonder if it's a possibility to obtain fire and theft insurance for the build...and carry the quake risk yourself. He's right that locals now see no real danger from quakes.

[dangerous]

build insurance is no worries... what the differance is I dont know, its at the end of the job when we move in, having a morgage the bank want to protect there intersets.
So we had a quake or two, life must and has to go on... why wont they let us? surley a priemium from us and others helps with their pay outs?

As a note the law wont allow a insurance company to delet quakes from the policy, if they did then insurance wouldnt be an issue less quakes.

[SS90]

build insurance is no worries... what the differance is I dont know, its at the end of the job when we move in, having a morgage the bank want to protect there intersets.
So we had a quake or two, life must and has to go on... why wont they let us? surley a priemium from us and others helps with their pay outs?

As a note the law wont allow a insurance company to delet quakes from the policy, if they did then insurance wouldnt be an issue less quakes.

I believe that this is the new reality of home ownership in Chch.

Insurance companies cannot be forced to sign new contracts (why would they?), general insurance in ChCh right now (or perhaps ever, I don't know) is unthinkable.

Remember that in the event of another earthquake, then the insurance companies of existing policies will have to fork out... But as we are all too aware, plain and simply, there is not enough money to cover the existing damages, let alone new ones.... It is a simple reality.

Just like when the current government in the UK took over the treasury left a note on the incoming ministers desk saying "there is no money left!"

It is only funny for a second, then reality kicks in.

I sympathise with you plight, however I cannot see how this situation is goung to change.

Insurance is all about calculated risk, and I am pretty sure all the risk analysts in the world would agree that ChCh is just too high a risk.

I wonder what the premiums would need to be based on the risk factor....... Probably about twice the average annual Kiwi wage... Per month......

[avgas]

Sell the Guzzi and buy another caravan.
Life is never as bad as it can get.

I remember one day going into town, we took our family set of wetsuits into cash convertors, then went from there into the supermarket.
It wasn't until years later I joined the dots and realized what happened that day. Dad never said anything, and that day he even told us kids a joke and asked about school.

I hang on to that memory to remind myself that no matter how hard things get, they can always get harder and you have to keep smiling.

[ajturbo]

fuck me mate....

i could hear your pain when we spoke yesterday...

go BUY a BIG FUCK OFF Caravan... turn your new land into YOUR own trailer park...

get an eco shit hole set up....

insure for fire and theft... go fuck them..!!

you got a new home for fuck all..!!!

i am sure a big shed would help with ya toys...

oh and your warm "office" that has a w/c and shower and spare "offices"......

[willytheekid]

Oh jesus D :shit:

So sorry to hear/read this mate, If there is anything we can do to help please sing out.
Were out at waikuku and always here for ya! even if its a hot shower or just to get out of the caravan for a day/night (spare room is there for ya) we are more than willing to help.
I have a double garage that has space for the bikes or any gear you would like to store, and Im sure Charlotte & wee Ryder would love to meet the boys and your better half (great park & tennis courts across the road & beach is 2min walk away)
Just gimmie a yell mate...were here for ya D :love:

-Willy, Charlotte, Ryder & Sooty (Our mad dog)

[Paul in NZ]

Dang - sorry to hear that D. Well eventually things will stabilise but thats no help now.

Maybe the gubbermint should buy AMI and underwrite it themselves...

[Grumph]

Well you know where I am if you need help or somewhere to park the animals

Personally I'd be using containers - 20ft ones come under the temporary structures size and don't need permits. Two close together with some joists across work well - see Phil Sutton's setup just down the road.
Spend summer getting set up for next winter and by next year things should be a bit clearer - I see ChCh is now officially in "rebuild" mode....lol.
No one's going to complain about a logburner or pot belly stove slipped in either.

[ajturbo]

Well you know where I am if you need help or somewhere to park the animals

Personally I'd be using containers - 20ft ones come under the temporary structures size and don't need permits. Two close together with some joists across work well - see Phil Sutton's setup just down the road.
Spend summer getting set up for next winter and by next year things should be a bit clearer - I see ChCh is now officially in "rebuild" mode....lol.
No one's going to complain about a logburner or pot belly stove slipped in either.


that would be cheaper than a flash trailer....
best idea yet..!!!

:woohoo:

[avgas]

that would be cheaper than a flash trailer....
best idea yet..!!!

:woohoo:
Seconded. Note that people in Japan are currently using ones that washed up. I kid you not.

[SPman]

Dang - sorry to hear that D. Well eventually things will stabilise but thats no help now.

Maybe the gubbermint should buy AMI and underwrite it themselves...
I thought they effectively, had bought AMI.......


:shutup:

[Oscar]

Joe Bennett took the piss on these dudes in a column recently...

http://www.stuff.co.nz/the-press/opinion/columnists/joe-bennett/5577155/Naive-citizen-vs-friendly-insurance-types

I think the relevant bit is this:

Naive citizen: Good. May I take out insurance for the rebuilding, please?

Friendly insurance person: No.

Naive citizen: Why not?

Friendly insurance person: We're not writing any new business.

Naive citizen: Why not?

Friendly insurance person: These are exceptional circumstances.

Naive citizen: But aren't exceptional circumstances the reason for taking out insurance?

Friendly insurance person: Oh, ha, ha, ha, you really are a very naive citizen.

Frankly I am with the OP on this one - Insurers are behaving like total cunts over all this. Like Joe says above - that's what insurance is BLOODY FOR!

+1 for talking to a broker - I do that anyway. But then I am not in Canterbury, eh...


The insurers are faced with claims in the order of $8b, and you expect them to take on new risks while the ground is still shaking? And then you have the temerity to call them cunts?

As a "friendly insurance person" this EQ cost me time (unpaid OT) and money (I kissed my performance bonus farewell), which I don't begrudge as it's a bloody disaster and so many people are so much worse off than I. And in the long term, it's put a serious dent in my job security as well as many others throughout the sector.

So perhaps I'll call into your business and you can call me a cunt to my face.

[Oscar]

Ohhh yeah... sit down for a good rant, Ya bout to get a ear full.
Thought I was doing the right thing for the family, (2 under 3's 2 cats 2 dogs and the missus) Sold the chch house to a needing couple they love it plan was to move to the country the boys would learn to ride rather than how to bust up bus shelters. Lumley our insurance company said they will insure us providing the geo tec report was a good one, it was as expected, so money was loaned for the land, the bank will give the rest when the house is insured.

Lumley now say NA... sorry so we are now left with land we can not do any thing with and no shelter for the family, renting in chch is unavailble and house prices are through the roof and thats if you can get one. Im fucked, what to do?

I know full well the land we have is some of the best availble, sure there was a recent quake centered out there but nothing since and the likely hood of it happening again is very rear.
No damage to the land at all accured and with a new house to be built on it with the latest quake strengthing built in it is one of the best suituations to be in should it happen... yet na, no way hose a, no insurance, not happening... farking cunts all I want is the best for my family I can achieve, so for the mean time its a 30yr old caravan for us all in a paddock... its not bloody easy, so what dosnt kill us will make us stronger... meh crock a shit.

I would have thought that Lumley's would have had to give your bank a certificate of cover before money was released?
If they did, you can hold them to it.
If they didn't the bank may be guilty of reckless lending.

[dangerous]

The insurers are faced with claims in the order of $8b, and you expect them to take on new risks while the ground is still shaking? And then you have the temerity to call them cunts?

So perhaps I'll call into your business and you can call me a cunt to my face.
ohhh settle pettle ;) mate correct if its a 80yr old brick house in swampsville... but in my case it is on some of the best building land possible (my 3k geo tec bill says so) and the house is to be built to new standards with twice the concrete and steel etc... as a builder I know to drop it would mean there would be no south Is left.


Well you know where I am if you need help or somewhere to park the animals

Personally I'd be using containers - 20ft ones come under the temporary structures size and don't need permits. Two close together with some joists across work well - see Phil Sutton's setup just down the road.
Spend summer getting set up for next winter and by next year things should be a bit clearer - I see ChCh is now officially in "rebuild" mode....lol.
No one's going to complain about a logburner or pot belly stove slipped in either.

thanks... unfortunatly there is cavits on the land ie: no tempory buildings, can ya handle 2 burmese pricks a doppy Dobie and a nutty old staffie? the boys would be easier LOL


fuck me mate....

i could hear your pain when we spoke yesterday...

go BUY a BIG FUCK OFF Caravan... turn your new land into YOUR own trailer park...

get an eco shit hole set up....

insure for fire and theft... go fuck them..!!

you got a new home for fuck all..!!!

i am sure a big shed would help with ya toys...

oh and your warm "office" that has a w/c and shower and spare "offices"......
do you know what a 'big fuck off trailer' is worth, looked at a wee fuck of trailer and that was 66k the shit hole we are in is bigger... HUMPH

[slofox]

The insurers are faced with claims in the order of $8b, and you expect them to take on new risks while the ground is still shaking? And then you have the temerity to call them cunts?

As a "friendly insurance person" this EQ cost me time (unpaid OT) and money (I kissed my performance bonus farewell), which I don't begrudge as it's a bloody disaster and so many people are so much worse off than I. And in the long term, it's put a serious dent in my job security as well as many others throughout the sector.

So perhaps I'll call into your business and you can call me a cunt to my face.

Oscar, I'm sorry if you felt that I was attacking you personally. This was not my intention.

My issue is not with the employees of insurance companies but with the policy of not going about normal business to a point where people like the OP are forced into the sort of circumstances outlined. In this case my sympathies are with the OP rather than the insurance companies.

I also have sympathy for your own circumstances as you have outlined them. I have no wish to cause you any grief. I hope it all comes out OK for you.

[Oscar]

ohhh settle pettle ;) mate correct if its a 80yr old brick house in swampsville... but in my case it is on some of the best building land possible (my 3k geo tec bill says so) and the house is to be built to new standards with twice the concrete and steel etc... as a builder I know to drop it would mean there would be no south Is left.





No - you (and Phil Goff) don't get it.
You could build it out of titanium with fifteen geo tech reports, but there is no insurance.

Reason 1: The ground is still shaking. Until you can find a way to make it stop, there will be no new EQ cover available in Christchurch (and very little in Wellington, for that matter).

Reason 2: There is no money, and no appetite for the business. At about the time of the last US hurricane, Reinsurance Companies ran out of reserves and started into capital, so Global Catastrophe cover is nix. If you can't buy EQ cover in Japan and California, and Hurricane cover in Florida, what chance have we got?

[flyingcrocodile46]

If I was you I would be talking hard to my lawyer about suing the buggers for making false promises which have caused loss to you. A thoughtful letter approach to start with by offering them the easy way out (honour the original offer). I reckon there is a better than even chance that they will consider it easier and cheaper to simply bend the rules and give you what you need (on the quiet though, so people don't start queuing up).

[scumdog]

Screw the softie run for cover buggers D - dunno what they've done with all MY money I've paid in over the last 30+ years and never claimed (Like a gazzilion others...)

Why can't they say "OK, we'll insure - but it will cost ya heaps" - at least then you have a choice & chance.

Build if you can somehow still talk the bank into lending you the dosh then insure for fire and theft, save a fortune for the rest of your life.

[jonbuoy]

A <s>banker</s> underwriter is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain.

[Oscar]

A <s>banker</s> underwriter is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain.

You'll be canceling your cover, then?

[flyingcrocodile46]

You'll be canceling your cover, then?

Oscar, what is your view on DD's chances of bashing the insurance company into submission with their failure to honour their offer of insurance?

[flyingcrocodile46]

Screw the softie run for cover buggers D - dunno what they've done with all MY money I've paid in over the last 30+ years and never claimed (Like a gazzilion others...)

Why can't they say "OK, we'll insure - but it will cost ya heaps" - at least then you have a choice & chance.

Build if you can somehow still talk the bank into lending you the dosh then insure for fire and theft, save a fortune for the rest of your life.

They probably would if they could get away with a premium equal to 10% of replacement cost. It's unlikely that more than a 25% of houses would be written off by a repeat event so in theory 5 or 6 years of premium income would cover it. But that won't happen because too many people would kick up a stink and allege callous profiteering.

[Oscar]

Oscar, what is your view on DD's chances of bashing the insurance company into submission with their failure to honour their offer of insurance?

If he has something, anything in writing - very good.

[timg]

My understanding is that insurers were looking after their own in chch. Ie if you are a customer and moving houses they would continue cover at your next place if it has a satisfactory geotech and structural report, and a CoC for new homes. I suggest you go back to your insurer and demand to speak to a senior underwriting or business aqusition manager (not a counter clerk or a call centre chick) and politely (a tough call for you I know :facepalm:) put your case including their initial assurances of cover subject to the geotech report etc. If you have names of the staff you spoke to previously, documents or quotes use them to support you. If you get nowhere tell them that you will be taking this further unless they can provide a satisfactory solution within a couple of days. If you need showers or anything else give us a call.

[jonbuoy]

You'll be canceling your cover, then?

Nope - better than nothing.

[JMemonic]

Sorry to hear this D, sounds like a right mess and I hope this works out for you in the long run.

There must be some recourse after you made the purchase in good faith based upon information given to you by your insurer.

I wonder if you could get builders insurance, get the house to a point where you can live in it yet still keep building, would that maintain some insurance for you?

If there was some way we could help you know we would in a moments notice.

[dangerous]

yeah as said, they will give us building risk insurance... BUT with out cover at the end of the build they wont, no ins NO loan, NO BUILD.

As a plus our builder who can get builders risk from eqb (I think) have said eqb or who ever it is may look at extending the builders risk in the provido that we keep seeking full cover... I may find out today, heres hoping.

[Brett]

No - you (and Phil Goff) don't get it.
You could build it out of titanium with fifteen geo tech reports, but there is no insurance.

Reason 1: The ground is still shaking. Until you can find a way to make it stop, there will be no new EQ cover available in Christchurch (and very little in Wellington, for that matter).

Reason 2: There is no money, and no appetite for the business. At about the time of the last US hurricane, Reinsurance Companies ran out of reserves and started into capital, so Global Catastrophe cover is nix. If you can't buy EQ cover in Japan and California, and Hurricane cover in Florida, what chance have we got?

As difficult as this is to hear, it does seem to be the truth. IMO a solution might be for the govt to take control of AMI and put together a special package for Chch so that people can move forward and build new houses.

[Brett]

yeah as said, they will give us building risk insurance... BUT with out cover at the end of the build they wont, no ins NO loan, NO BUILD.

As a plus our builder who can get builders risk from eqb (I think) have said eqb or who ever it is may look at extending the builders risk in the provido that we keep seeking full cover... I may find out today, heres hoping.

Pretty much every house I have built for myself I have moved into prior to getting a Final Inspection and a subsequent CCC. My understanding is that the Building/Contractors Insurance (as long as it is in your name) will cover you until you a) get sign-off b) get full house insurance. My understanding is that while under builders risk insurance, only something like 80% of the building cost is covered. Someone with insurance knowledge able to clarify?

[dangerous]

Well fuck this shit, just a note people.. Living in a caravan with a 1yr old and a 2yr old DONT bloody and will never bloody work.

Been on the net looking for a rentel... A few there but if not gone then no mutts alowd, what a mish, but we have to do something so if any ones in the know of a place please let us know.

As for the insurance , more kicks in the face today come on you fuckers life HAS TO GO ON, sort ya shit out and get insuring.

On a different note Im typing this shit out on a Ipad gizmo thing that Rashika brought after having internet withdraws, to bloody small for my liking but shit what a wee dobie it is, quite amazing really.

[cruza]

Well fuck this shit, just a note people.. Living in a caravan with a 1yr old and a 2yr old DONT bloody and will never bloody work.

Been on the net looking for a rentel... A few there but if not gone then no mutts alowd, what a mish, but we have to do something so if any ones in the know of a place please let us know.

As for the insurance , more kicks in the face today come on you fuckers life HAS TO GO ON, sort ya shit out and get insuring.

On a different note Im typing this shit out on a Ipad gizmo thing that Rashika brought after having internet withdraws, to bloody small for my liking but shit what a wee dobie it is, quite amazing really.

I feel for ya D . Still thought you were nuts or had farkin big balls doing what ya did for new house build at the moment. Guess you have to try aye, dream been on hold for a while now.
Good luck with rental , man market has changed since feb and prices:blink:

[Grumph]

Where are you trying for rentals ? There's a couple local to me - one empty after external cladding repairs - don't know if it's available yet.One in use till the renter's house fix is completed - should come up shortly.
Several in Darfield too I see. See the local Darfield based rags for the ads.

Sorry D - just been and asked re the two local houses - one taken long term, the other has a waiting list for short term rentals while houses are fixed...bugger.
Still the odd one coming up in Darfield.

[Swoop]

"Get insuring"?


I have had a re-insurance bill arrive from my company, AFTER getting a "heads up" warning letter from them saying "for fuck's sake, be sitting down when you open the real bill" as there was going to be a SUBSTANTIAL increase due to Chch.

Well, an increase of over $300- was noted, so yesterday was time to phone around different insurers!
Oddly a competing company was able to be over $300- cheaper for the same level of cover, so a call back to ask whether my current provider would like to shapen their pencil.
Oddly, they magically could do a far better deal.

Shop around folks!

[dangerous]

Where are you trying for rentals ? There's a couple local to me - one empty after external cladding repairs - don't know if it's available yet.One in use till the renter's house fix is completed - should come up shortly.
Several in Darfield too I see. See the local Darfield based rags for the ads.

Sorry D - just been and asked re the two local houses - one taken long term, the other has a waiting list for short term rentals while houses are fixed...bugger.
Still the odd one coming up in Darfield.

Darfield would be fine, but none showing on trade me... were are you looking?

getting pissed of todaty every one I looked at was said no due to a dog... do theses people not relise people often make more mess than a farking dog AHHHHHH

[Grumph]

The two Darfield based giveaway rags are worth a look. Offices on the main drag in Darfield and they keep back issues too. A look through those following up ads from the last couple of weeks may pay off. From what i hear much of the local rentals don't go on trademe...

If you've any contacts with the local cockies follow them up too as there's a number of seasonal farm worker cottages around but you've got to have the "in" with the cockies.

[dangerous]

Ohh dear... seems Rashika gave our story to the press, Iv been called many things but never a Leper.

Anyways came across a rentel to day along with a dozen other people that 'might' accept a dog... filled out the aplercation form and when I handed it into Ray White property management... was asked for $350 WTF... c@#ts holding fee thay call it, everyone pays it get it back if ya dont get the property... fuck me, whats that about If that happens Ill have thousands of dollars in all directions... ya get nothing for this and neither do they bunch a pricks, how gready is this fucking world getting?

[scumdog]

Ohh dear... seems Rashika gave our story to the press, Iv been called many things but never a Leper.

Anyways came across a rentel to day along with a dozen other people that 'might' accept a dog... filled out the aplercation form and when I handed it into Ray White property management... was asked for $350 WTF... c@#ts holding fee thay call it, everyone pays it get it back if ya dont get the property... fuck me, whats that about If that happens Ill have thousands of dollars in all directions... ya get nothing for this and neither do they bunch a pricks, how gready is this fucking world getting?

Bit of a drive to work - worse if you have to come back to pick up the lunch you forgot BUT if you guys have the want/need then Chez Scumdog is always waiting with open arms - even for yer pooches...not sure about the snots though...<_< - or that fiery doris of yours...:shutup:

Nah, just kidding, all welcome.:sunny:

[F5 Dave]

Mate I feel for ya & hope it can get sorted out. If all else fails the kids have to trump the dogs & maybe a mate can board them for a few months?

[dangerous]

Well dave, tomorow we meet with a guy who is a finantual advisor and manages builds from start to woe. He is a morgage and insurance broker, its sounding promicing and even with his $1500fee we will save a hole lot eg no valuations needed.
So by by westpac, go take a running jump :yes:
But on the rentel side of things... Nothing, but should here back tomorow about a couple, aint holding my breath tho.
Sitting out beside the caravan (sprogs finelly gone quite) on the outside chair with feet up beer in hand and getting used to this fancy wank ipad thing... If they made em a bit bigger i wouldent go back to a pc again.:scooter:

[Oscar]

Well dave, tomorow we meet with a guy who is a finantual advisor and manages builds from start to woe. He is a morgage and insurance broker, its sounding promicing and even with his $1500fee we will save a hole lot eg no valuations needed.
So by by westpac, go take a running jump :yes:
But on the rentel side of things... Nothing, but should here back tomorow about a couple, aint holding my breath tho.
Sitting out beside the caravan (sprogs finelly gone quite) on the outside chair with feet up beer in hand and getting used to this fancy wank ipad thing... If they made em a bit bigger i wouldent go back to a pc again.:scooter:

$1,500 fee, eh?
Ask him if the lender is paying commission (if they are, hopefully he'll be netting it back).

[Brett]

Well dave, tomorow we meet with a guy who is a finantual advisor and manages builds from start to woe. He is a morgage and insurance broker, its sounding promicing and even with his $1500fee we will save a hole lot eg no valuations needed.
So by by westpac, go take a running jump :yes:
But on the rentel side of things... Nothing, but should here back tomorow about a couple, aint holding my breath tho.
Sitting out beside the caravan (sprogs finelly gone quite) on the outside chair with feet up beer in hand and getting used to this fancy wank ipad thing... If they made em a bit bigger i wouldent go back to a pc again.:scooter:

Once you have met with him, could you divulge a bit about what he does and how he does it? Sounds very interesting. Would be interested in knowing if there are ways to simplify some of the building/development stuff I am looking at.

[dangerous]

Brett... theses guys http://www.newbuild.co.nz/ very good to deal with and they pulled strings straight away, HOWEVER... FARK MAN

To day Lumley c/o westpac rang, YES we will insure you FFS now what do I do... ok after telling WP to get rooted and signing up with NB to day I rang NB up told them to get rooted then rang WP back and opoligised prefusley to them and signed back up for a loan AND insurance.

NOW why, what, how... did Lumley sudenly change there mind? did they here we went to another lender? did they read the bad press in the Press? This thread maybe? fuck knows dont care got a loan and insurance... see wasnt so hard now was it... now to get a rentel.

[dangerous]

Well, got back to the horrid trailer from hell tonight and what ya know... We have a rental, sweet :yes: spose ya call that a good day.

[JMemonic]

Sounds like a good day :yes:

[dangerous]

Sounds like a good day :yes:and night... 1st time Chief and Victorious slept right through... fark that was a good feeling. :yes:

[chanceyy]

holy crap D you guys have been stressed to the max n only caught up on this thread

good to hear you finally have the insurance sorted and a rental .. whewwww good luck with the build, etc

[ajturbo]

good one..!! pleased for ya.. where is it so we can pop in and have a party..next month:woohoo:

[dangerous]

good one..!! pleased for ya.. where is it so we can pop in and have a party..next month:woohoo:

Hornby... but for some reason AJ, ya know for the life of me I just cant think of the address :woohoo:

[babyB]

darn...hang in there, stay strong, good always comes


Hornby... but for some reason AJ, ya know for the life of me I just cant think of the address :woohoo:
:shutup::killingme:killingme :thud::rofl::rofl::dodge:

[dangerous]

couldnt stay good for to long aye... woke up this morning to find my Dobie Mack ill, got him to the Dogspidle just in time, bound stomic 40% chance sergary will work...

[ajturbo]

hey man... you stop stressing and the dog will recover also...

hope all is well with the mutt..

And Karen... you can shut up now...lol

[scumdog]

couldnt stay good for to long aye... woke up this morning to find my Dobie Mack ill, got him to the Dogspidle just in time, bound stomic 40% chance sergary will work...


Get well Mack, fingers crossed for you skinny black boy D, :yes:

[dangerous]

Get well Mack, fingers crossed for you skinny black boy D, :yes:

Hes red, like me man... Age aye fella :yes: but yeah ta.
Hes been through sergery, but hasent woken yet... Ill check on him tomorow... Chief wanted to know were he was at feed time, i said at a mates, the boys like the job of feeding the mutts.

[Genie]

A <s>banker</s> underwriter is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain.

Awesome quote to save for a rainy day when the sun doesn't shine and one needs to laugh.


Hey Darryl...it's a sign of the times.....you build so well you won't need insurance.

[dangerous]

Ohhh hell... time to winge again,
The farking bank told us today they will not lend us the money... because, we were paying 200pw for a caravan (to house 2 cats 2 dogs 2 sprogs, and are now paying 350pw to rent a house :facepalm:
So we either move back into a caravan (aint ever going to happen again) or we find somewere freeish to live, or find a sum of money we can use to pay the rent with.

So as this thread started we are now stuck unable to build on the paddock we have, but at least we aint in a caravan any more... sometimes its just all to fucking hard. :no:

[chanceyy]

ohh crap D, ya have to wonder about it all aye ..

[doc]

How about getting into Home distillation. You could then use the land as a rally site for the next KB do. Faaark imagine the money you could make from selling the shit to the likes of Quentony, Farque the copper etc. Forget about lotto ....this is the way to go man

[dangerous]

How about getting into Home distillation. You could then use the land as a rally site for the next KB do. Faaark imagine the money you could make from selling the shit to the likes of Quentony, Farque the copper etc. Forget about lotto ....this is the way to go man oddley I had thought of that for next year LOL



ohh crap D, ya have to wonder about it all aye ..
what fucks me off is the likes of yesterday when I got back to the house I was working at (eqc) after the bank visit and the owner when all shitty about a plant (the house is like a jungle a right mess of groth) that was damaged due to us trying to find his foundation to repair, which I add is only hair line cracked through the plaster coat... do they really think I give a rats arse?

[ajturbo]

sounds like you need to build a garage first.......
i'll be there for a rally.....

[oneofsix]

fuck dude that's rough. Like they don't want to help and don't want to understand you will no longer have to rent once you've built. :weird:
The way things are going if you did the distilling thing customs would decide it was for profit and fuk you over as well. Tell them you are working on an alternative fuel source and didn't mean it to taste good, go for green.

[dangerous]

i'll be there for a rally.....whos to say you'd get an invite?:bleh: