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About Stavros

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    MF Male Model
  • Birthday 01/06/1937

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    Evritania Prefecture

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  1. I've seen posts from other people on Facebook saying that they were without power too in Douglas so I don't think it's specific to just your house.
  2. Didn't know this was tonight. I think I might just get myself a long and let you all buy me a pint. (Each)
  3. The insurers risk is a quantifiable amount - the cost to repair or to fully rebuild in a worst case scenario after a detailed physical survey has been undertaken - and it will still place excesses on potential big costs like subsidence to limit its overall risk.The banks risk is the market risk - that being the resale value at any future point in time (maybe in a fire sale situation) and the best guess of a surveyor on what it might currently be worth if you defaulted next month. The insurers liability is more quantifiable, the banks liabilities are not. I repeat there's too much better quali
  4. As I mentioned in my previous post, if there was an intrusive survey and no faults found, the insurer fully informed and they have accepted the risk with full disclosure, why would or should the lender have an issue with lending? No information was revealed about which original bank stated that they were not prepared or willing to lend on these properties or any specific reason why. It would appear that because one lender has chosen this route that the others have subsequently jumped on the bandwagon without actually considering all of the circumstances or actual reasons for withholding le
  5. £4 - 5,000 in the 1970's? I don't think so. Banks are not protecting themselves from shit investments. If the insurer is willing to take on the risk that they, the banks, want to offload or 'insure themselves' then why would they have any concerns? If someone else, as they insist on for a mortgaged property, is taking the risk, what is the shit investment for them? They get their mortgage repayment and their interest and the risk is carried by someone else? I really fail to see what you don't get by this to be honest?
  6. From what I remember, this was an old issue in the UK about timber framed apartments rather than individual houses / bungalows. Banks suddenly decided that it was too risky to lend on apartments where there could be potential structural problems to the overall building. The banks have, as stated by the surveyor, picked up on one bank being unwilling to lend and have jumped on the band wagon. I think it should also be taken into account that when a property is mortgaged, the mortgage company insist on the property being adequately insured. If a structural engineer or intrusive survey
  7. The smell of freshly ground coffee Fresh clean bedding (each year) Sex (preferably with a woman but on my own is cool too. Not that I will be doing that on the bus again) Cornflakes with garlic gravy on crumpets
  8. A. Because Eddie swapped our reserves for some magic Pinewood beans, and the giants climbed down the beanstalk. Q. What number should not be in this sequence? 4, 17, 29, 33, 49, 67 Number 4 Who ate all the pies?
  9. Perhaps it's not the churches that need looking at, it's the properties owned by the church that should be sold to fund any repairs needed: Patrick Vicarage - £650,000 - http://www.blackgracecowley.com/details.php?id=24361895 Ballabeg Vicarage - £899,500 - http://webcache.googleusercontent.com/search?q=cache:iLIkg579cfoJ:www.chrystals.co.im/residential/Ballabeg/House/Main-Road-Ballabeg952+&cd=5&hl=en&ct=clnk&gl=uk How many other Vicarages are out there worth more than half a million pound each?
  10. I'd like to get some of my videos onto YouTube but they never reply to my calls and emails. I've emailed them loads of times and not once have I had a reply saying that they would like to add one of my videos.
  11. BBC One Inside Out North West Tonight at 7:30pm BBC One
  12. Its Manx Litfest this weekend, they were hoping to attend a seminar on creative writing first. Brilliant!
  13. Stavros

    Poetry Slam

    I think it's an annual competition but they might have regular poetry events during the year. I really don't know but you could try contacting the Isle of Man Poetry Society. email: contactus@iom-poetry.org Facebook: www.facebook.com/isleofmanpoetrysociety I tried to come up with a funny poem but I'm crap at poetry Roses are red, Violets are blue. Some poems rhyme, And this one sucks. Roses are red, that much is true. Violets are purple, not fucking blue.
  14. With the old prison on Victoria Road being so close to Douglas Police HQ, would it not have been more practical to spend some money (like the cost to demolish it) on refurbishing it instead. At least the cells were already there with more than enough room for bookings / custody and police facilities. It would have just been an extended area of Police HQ for detaining people in the cells. It would have been perfect for access, secure and even kitchen and medical facilities as needed. The second question is who was responsible for the Lord Street Police station and the cells being located on
  15. Stavros

    Poetry Slam

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