u/Helinobter

I see my parents (both in their mid 60s) about once or twice a year and one thing I've confirmed from last time I visited them is how often the exact same talking points and conversational scenarios came up like in previous occasions I've seen them.

I find its getting kind of tedious visiting them because the repetitive conversation is so boring. It's like they forgot we already had that conversation about a dozen times already over the years and I already know how it goes while they act like it's new,

Of course it isn't always like this and we do sometimes have original conversations about things but there is still a definite theme of old conversations being repeated. I just kind of play along with those conversations but inside I'm bored of them.

How common is it for conversations to get repetitive when visiting family? How do others manage it?

Pretty much everyone in the house has complained about one tenant who keeps playing loud music. Usually at least a couple times a week. Sometimes he'll have it playing during the day time.

Other times it will be non stop from evening till 10pm. He must be absolutely wrecking his hearing with how loud he has it and I wouldn't be surprised if he has hearing issues when he's older.

Multiple people tried talking to him about it but this dude is the most inconsiderate person you could imagine. He really does not care how his behaviour affects others and will not listen.

We've reported it to the landlord many times and they say they'll talk to him and they've tried sending warning letters but he'll still keep playing his music. It's like he knows they can't do anything or they won't do whatever they could do so those warning letters do nothing.

My tenancy agreement does mention noise and "quiet enjoyment" of the house. Could it be argued that my landlord is in breach of contract by not upholding that part of the contract? Could anything be done about that?

Is there anything I can do to force the issue and get it resolved without it coming back to me?

I share a house with this person and considering his behaviour I don't doubt for a second he has a vindictive side as well so I don't want it to come back to me.

Also I'm reluctant to leave because it would be pretty much impossible to find a room this size in this location and the amount of stuff I have in it. I've looked around and my room is bigger than most big HMO rooms.

Also I'd be moving to another HMO so I may just have similar issues elsewhere. I've heard a lot of bad things from others saying it took them many many moves over a year to find a quiet HMO that wasn't a "party house".

The deposits and transfers range from £10 to £360 and frequency ranges from weeks to months but varies with the biggest gaps between the largest deposits.

Across the years I averaged about £45 a week but its a very small part of my income.

Is an estate agent or solicitor going to flag these deposits and transactions as a problem and if so is there anything I can do about it before I start the buying process?

I've been living in house shares and working in NW London for about 6 years now. I earn about £50k which is really good money for me and pretty much the earnings ceiling for my job. Outside London the job pays much less so I'd prefer to stay in London.

I am real tired of living with people or maybe it's just the people I live with? Regular and frequent noise of other sharers even sometimes loud noises at any time of the night on any day which wakes me up disturbing my sleep and a socially toxic environment.

You can't ask people to be considerate or more quiet because they don't care and will just keep doing whatever they want. (nobody is amicable and some are mostly inconsiderate.Everyone stays in their room or ignores each other in passing).

I am a light sleeper and any kind of disturbing noise will degrade my sleep. I have to wear ear plugs every night, I keep fans running to create some masking noise, and sometimes I have to put on my noise machine to mask the noise of others ( TVs and talking) in the house while I'm trying to relax or sleep.

I really dislike the house I'm in, sometimes it stresses me out, makes me anxious. I've thought of moving to another house share but having talked with others it sounds like trying to find a house share that is actually quiet and somewhat considerate/ friendly is really difficult and will likely require many moves to find one.

My housing is negatively affecting my life and my job. I find I am more stressed in my day and it carries over into my work and life. I used to enjoy going home after work but now I have very mixed feelings about it because I don't get to just relax and enjoy some peace after work.

Is there some other housing option I am missing or could £50k be enough to afford a place of my own somewhere? I don't like it but should I consider shared ownership? I could afford it. Or even is there some way I could find quiet house sharing or other housing options that are more quiet and considerate?

I know this is a long shot asking this and there probably isn't anything I can do but it was worth a try.

I've worked low pay jobs most of my life but in the past few years (new job) I've been able to save considerably more than usual by doing extra days and overtime which I need to do if I ever want to buy a home because I will need such a large deposit to afford anything.

This work schedule isn't really something I can sustain long term. I've basically put my life semi on hold for a few years now. Also I'm not far off turning 40 and this money I've been able to save represents my entire financial future and my retirement.

I've worked too hard for too long (and still have a few more years to reach my goal) now earning it to take any such risks and a relationship with financial ties is one of the few legitimate ways that could happen.

How do I legally protect my future and retirement (savings and investments) with iron clad guarantees from this risk?

(Other than never getting into another relationship or only ever being one foot in any relationship and never taking on financial responsibilities in it that could jeopardise it)

I am living in London as a late 30s single person earning around £40k-£50k per year depending on overtime etc. I currently pay £1,050 bills included for a room in a house share.

I had always sworn off Shared Ownership as a bad financial option however a 1 bed shared ownership flat very close to my work (no commute) and good local amenities came up at ~£80k for 25% and I would really like my own place. Using my LISA I could put down about a £40k deposit.

I wouldn't be buying to get onto the "housing ladder". When I sold years down the line I expect I'd barely break even on my deposit and mortgage principle (perhaps even make a slight loss) and for that reason I'd never staircase above the initial 25% and I'd likely sell long before paying off the mortgage on my 25% share(would these things affect future selling?).

Buying shared ownership would be purely because it would allow me to rent my own place affordably due to the low rent on shared ownership and low mortgage due to having a high deposit for that share I'd be buying.

A few basic monthly numbers/ estimates on the Shared Ownership flat
*Rent £560
*Service Charge £225
*Mortgage £233 (5% x 25 years) (I'd go for as long a term as possible but assumed 25 years max due to my age)
*Council Tax £140 (-25% single occupant discount)

• Water + Electric £200
  *Monthly Total £1358

So it would cost me an extra ~£308 per month to go from House Share to "renting" my own shared ownership flat this way.

For comparison a place just to rent plus the same council tax/water/ electric bills in the same area would start at £1840 so I'd be saving nearly £500 per month through shared ownership "renting". I guess you could argue if I assume I'll barely break even when I sold then the loss in appreciation of my £40k LISA used for the deposit would reduce the amount saved closer to £200-£300 per month.

Can I get a sense check? Do these numbers seem correct? Is shared ownership and the way I'm thinking about it a good idea for me? Is it worth losing first time buyer status for? Any issues to consider?

Also as a side question, I sometimes get tips in my job and over the past year I've been depositing them into my bank account to earn interest on them. The deposits and amounts are generally random and likely average to about £45 a week over the past year. I obviously don't have any proof or paper trail for this money because it was given to me as cash or very rarely bank transfer.

How much of a problem would these small deposits with no paper trail be for source of funds/AML checks? Could they be a deal breaker to getting approval?