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Why you should never use joke references when sending money to mates

Maybe it's not so funny after all.

Emily Sergeant Emily Sergeant - 20th August 2021

A mortgage adviser’s word of warning to prospective homebuyers this week has got hundreds of thousands of people reconsidering the references they use to transfer money.

Transferring money to pay back anything from holidays and takeaways, to drinks, taxi fares and everything in between is a pretty common occurrence within most friendship groups, and let’s be honest, we’ve all thought it was funny to crack a bit of a joke in the reference box when sending over our share too.

Sure, perhaps the more sensible of the friendship group will actually put ‘Chinese Takeaway’ or ‘Ibiza Flight’ as the reference.

Others will probably opt for ‘money for drugs’ or ‘sex’ instead.

No matter much these highly-questionable references makes us laugh though, a mortgage advisor has taken to TikTok this week to warn against it if you’re hoping to get on the property ladder anytime soon.

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KAG Financial (@kagfinancial) has informed her followers on the popular video sharing app that a minor gag might not actually be worth it in the long run when it comes to applying for a mortgage as, besides sender and recipient of the cash being in on the reference joke, so are the banks and lenders.

@kagfinancialmortgages

“Money for drugs” #fyp #mortgage #foryou #firsttimebuyer #mortgageadviceuk #mortgageuk #mortgagebroker

♬ Bongo cha-cha-cha – Remastered – Caterina Valente

During the 13-second video – which has already amassed nearly half a million views, over 24.4k likes and nearly 1000 comments – KAG Financial explains: “Remember the money you transferred your pal? We see it and so does the lender.

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“‘Money for drugs’ is probably not the best thing to use. (This is actually tame compared to what we see).

“Avoid joke references.”

And then, when people asked if it could actually harm their chances of securing a mortgage, the company responded to say: “For those of you asking how far they check back – most of the time it’s three months, your application is also only affected if it’s something illegal”.

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“For those of you asking how far they check back – most of the time it’s three months, your application is also only affected if it’s something illegal” they said.

Some took the advice one board, as one commented to say: “Jesus, some of mine are horrific.”

Another added: “And this is why I will never ever ever get a mortgage”.

Featured Image – TikTok / KAG Financial

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The Chestergate pub in Stockport is at it again with some of the most wonderfully Manc scenes you’ll ever see

Danny Jones Danny Jones

The legendary Chestergate pub in Stockport is back with another belter of a video, following on from their viral belly-flashing clip of 2022.

The Mersey Square boozer has painted yet another quintessentially Northern depiction of UK pub culture with the latest Manc scenes they’ve captured around the karaoke machine.

If you’ve never had the pleasure of stumbling into The Chestergate in Stockport town centre, the long-standing boozer currently operated by publican chain Blind Tiger Inns, you’re seriously missing out.

While it might not be the flashiest of pubs, when it comes to entertainment, it always delivers.

Whether it’s stunts like renaming themselves ‘The Southgate’ whenever the Euros or World Cup rolls around, or the locals just genuinely having a whale of a time no matter what day of the week it is, it really sums up the best of pub culture.

The Chestergate went viral for some of the most British footage ever caught on film back in 2022 and the videos saw a huge wave of love and support flooding in for the pub, as well as a healthy amount of chuckles. Safe to say we were chuffed to see them pop back up on our feed again recently.

Karaoke night at The Chestergate literally never disappoints.

Forget ‘Livin’ on a Prayer’ or ‘Champagne Supernova’ for karaoke songs – we’ll take a cacophony of inaudible throwback pop music, whilst another bloke and his hype man try and MC over a totally ill-fitting beat any day of the week.

And that’s handy because you’ll find those kinds of shenanigans happening at this place all the time.

Be it hens and stags, St George’s Day celebrations; a safe-cracking-themed competition, a ‘Texas Hold ‘Em Hoedown’ dance-off, or simply the matchday crowds when the footy’s on, there’s always something going on here.

It’s simultaneously one of the most no-nonsense and somehow a non-stop shenanigan-filled paradise. They also look after their own and consider their regulars part of the family. Case and point: they threw their very own ‘Dancing Queen’ Molly a big bash for her 86th birthday and it’s such wholesome viewing.

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At this point, it’s worth flagging that we have nothing but envy for these folks and anyone who’s just out there having the time of their lives on any random weeknight.

Yes, it produced plenty of laughs for those watching online in recent times but this lot won’t mind one bit – not only is the pub seeing more and more new faces through the door but that’s the whole point of a pub, isn’t it? Going for a pint with your nearest and dearest and having a laugh.

Not only is it very Manchester but it’s Britain at its very best.

We hope to see you at The Chestergate pub in Stockport for a pint or two sometime soon and we’re making a bit of a prat of ourselves, don’t worry, we’re sure they’ll have the cameras ready for you.

For all the latest news, events and goings on in Greater Manchester, subscribe to The Manc newsletter HERE.

Featured Images — The Chestergate (via Facebook)

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Tailgaters and middle lane hoggers warned to change their ‘dangerous’ driving style

Emily Sergeant Emily Sergeant

A warning has been issued to tailgaters and motorway middle lane hoggers urging them to change their ‘dangerous’ driving style.

Do you find yourself guilty of two of the biggest driving sins from time to time?

Well, according to the latest figures released by National Highways, one in three motorists have admitted to middle lane hogging in their lives, while one in four have committed acts of tailgating on some of the UK’s fastest roads.

These shocking survey findings – which were released back in early March as the Government-owned road management company launched a new campaign – showed that lane hogging was among the behaviours that are most likely to cause motorists and passengers to feel ‘frustrated’, and tailgating was most likely to cause feelings of unease, stress, and anxiety.

Nearly a third (32%) of drivers admitted to lane hogging ‘at least occasionally’ while driving on England’s motorways and major A roads, according to the survey – which polled 2,500 adults between the ages of 16-75.

On top of this, almost seven in ten adults in England (67%) said close following or tailgating is a ‘serious problem’ on these types of roads, but nearly a quarter (23%) admitted to doing it from time to time.

Tut-tut.

Tailgaters and middle lane hoggers have been warned to change their ‘dangerous’ driving style (Credit: IPTC/Ronald Hudson)

It’s these very statistics which have led National Highways to issue an urgent warning that calls on these motorists to “carefully consider” their driving habits, as “little changes can change everything”.

Lane hogging and tailgating both fall under the offence of ‘careless driving’ in England, with the country’s police forces having the power to hand out on-the-spot fines of £100 and three penalty points to those who commit such offences.

“Middle lane hogging and tailgating are far more than mere annoyances for drivers,” warned RAC road safety spokesperson, Rod Dennis, adding that these actions “put everyone on the roads at risk.”

He continued in his reaction to the release of the latest National Highways figures: “Closely following another motorist could easily result in a serious collision should the driver ahead need to brake sharply for any reason, so the fact nearly one in four drivers admitted to doing so on some of England’s fastest and busiest roads is frightening”.

Mr Dennis said he understands that offenders “might find these habits hard to kick”, but that’s why the urgent calls for motorists to make changes are “so important”.

“By understanding that how we choose to drive affects others, we can each make a real difference to the safety of our roads,” he concluded.

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For all the latest news, events and goings on in Greater Manchester, subscribe to The Manc newsletter HERE.

Featured Images – AA

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