House Buying Is More Stressful Than Divorce, Death or Bankruptcy
- Marth
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
Thanks, Wendy.
I don't want to lose the house, but I think I need to start being proactive instead of just sitting and waiting. Of course lots to get through first to get my place sold. They haven't booked a survey yet. They will be waiting for the mortgage valuation report and their mortgage application.
I don't want to lose the house, but I think I need to start being proactive instead of just sitting and waiting. Of course lots to get through first to get my place sold. They haven't booked a survey yet. They will be waiting for the mortgage valuation report and their mortgage application.
Malan
- Beena
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
We did the same, Marth, with waiting for the mortgage valuation before booking a survey. We'd lost about £1500 on aborted purchases in the last 12 months and have been very cautious this time. The valuation came in lower than our offer and we knew the seller wouldn't budge on price. If we hadn't been able to make up the shortfall from savings, the purchase would have fallen through.
I think it's always sensible to keep an eye out and to be prepared to go into rented. Being in rented when buying has made things much less stressful. We're completing today and there's no rush on anything. We'll pick up keys later on, go and have a look tomorrow, decide whether we can do what we need to by the end of Nov, or if we need to stay put til Christmas.
Speedy, I wouldn't want to exchange without a completion date either. Cheeky buggers covering their own arses and leaving you hanging on. Hope it gets resolved quickly.
I think it's always sensible to keep an eye out and to be prepared to go into rented. Being in rented when buying has made things much less stressful. We're completing today and there's no rush on anything. We'll pick up keys later on, go and have a look tomorrow, decide whether we can do what we need to by the end of Nov, or if we need to stay put til Christmas.
Speedy, I wouldn't want to exchange without a completion date either. Cheeky buggers covering their own arses and leaving you hanging on. Hope it gets resolved quickly.
- speedy gonzalez
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
Sounds like a good idea Marth.
I'm hoping we hear something back today. I'm also going to suggest that Mr Speedy gets in touch with the removable people just to clarify. On their website it states very clearly that we won't be charged if we have to cancel as long as we give a days notice. Mr Speedy says that it was different on the policy. I can't really do much about Royal Mail etc yet until we know whether it's going ahead next Friday or not.
eta Mr Speedy now thinks he was reading one of the other companies policies
I'm hoping we hear something back today. I'm also going to suggest that Mr Speedy gets in touch with the removable people just to clarify. On their website it states very clearly that we won't be charged if we have to cancel as long as we give a days notice. Mr Speedy says that it was different on the policy. I can't really do much about Royal Mail etc yet until we know whether it's going ahead next Friday or not.
eta Mr Speedy now thinks he was reading one of the other companies policies
- Marth
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
I don't blame them for doing it. Communication from the EA has been so poor though. I had hoped they might at least have booked the survey given the waiting time are so long, but I can't influence anything really.Beena wrote: ↑Fri Oct 23, 2020 7:39 am We did the same, Marth, with waiting for the mortgage valuation before booking a survey. We'd lost about £1500 on aborted purchases in the last 12 months and have been very cautious this time. The valuation came in lower than our offer and we knew the seller wouldn't budge on price. If we hadn't been able to make up the shortfall from savings, the purchase would have fallen through.
I was reading up about this yesterday and feel like it could be a good thing (as long as house prices don't rocket), as it would take the pressure off being in chain, and would mean I was in a better proceedable position if I did have to look for something else. The cats and offspring could be a bit of an issue though regarding renting.Beena wrote: ↑Fri Oct 23, 2020 7:39 am
I think it's always sensible to keep an eye out and to be prepared to go into rented. Being in rented when buying has made things much less stressful. We're completing today and there's no rush on anything. We'll pick up keys later on, go and have a look tomorrow, decide whether we can do what we need to by the end of Nov, or if we need to stay put til Christmas.
I'm not in a massive hurry (well I am but you know...), but it would be good to have things moving, even if slowly due to Covid.
Speedy, I hope that's the case about the movers.
Fingers crossed you hear something today.
Malan
- Marth
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
Oh and Congratulations on Completion Day!
Malan
- Beena
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
Everything went through first thing and we already have the keys.
The sellers waited until they had their keys before starting to pack. :woteva:
The sellers waited until they had their keys before starting to pack. :woteva:
- ParisGal
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
Congrats!
What do you mean? Are they still emptying the house without keys?!
What do you mean? Are they still emptying the house without keys?!
-
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
How are they packing without keys?! And how did the estate agent let that happen?
- Rosa
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
So they're still there, packing?
- Marth
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
Oh blimey. What spuds.
ETA so they are in your house? :texas:
ETA so they are in your house? :texas:
Malan
- Rosa
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
Spuds is such a great insult!
- rosy
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
They could have to pay 24 hours mesne profits for every day or part thereof that they are occupying your house. Spuds indeed!
It’s like a normal midlife crisis only with more chandeliers and foreign languages.
- Skips
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
The first flat I purchased we completed but the previous owner had the keys and was at work so we had to wait till she finished to be able to get in.
We're still waiting, I spoke to someone on Wednesday and it's still with the underwriters, it's really just a waiting game. My mum has said she will loan us the money we need to sort the windows/door in the porch should we be declined, we're booked in for installation on the 9th November but I'm hoping we hear before then.
We're still waiting, I spoke to someone on Wednesday and it's still with the underwriters, it's really just a waiting game. My mum has said she will loan us the money we need to sort the windows/door in the porch should we be declined, we're booked in for installation on the 9th November but I'm hoping we hear before then.
- Beena
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
Spuds
Solicitor contacted us mid-morning to say it had all gone through fine and that the EA now had the keys if we wanted to collect. The EA then rang asking us to pick up the keys. J went to get them over lunch, but it looks like there's only one set. When he drove back, 2 empty removal lorries had arrived, back doors open, waiting to be loaded. They were still there half an hour ago when he checked.
Presumably they'll be locking up and shoving the key through the door, but I think we'll be changing the locks.
Solicitor contacted us mid-morning to say it had all gone through fine and that the EA now had the keys if we wanted to collect. The EA then rang asking us to pick up the keys. J went to get them over lunch, but it looks like there's only one set. When he drove back, 2 empty removal lorries had arrived, back doors open, waiting to be loaded. They were still there half an hour ago when he checked.
Presumably they'll be locking up and shoving the key through the door, but I think we'll be changing the locks.
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
I'd be speaking to the EA and the solicitor about that, Surely?! Its a massive no no.
- Froozy
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
Yes, if you’d had to move in today because you were selling it would have made life more difficult for you. And if you were using movers they might have had a clause to charge more if they started unloading after a certain time.
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
Isn't it a big no no in case they'd refused to leave? I'm really shocked it was allowed
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
I'm betting the solicitor for sure and probably the EA didn't know. Seeing as they've been so inflexible with you, they deserve everything you might opt to throw at them at this point!
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
(I'd always change the locks when moving into somewhere new though - doesn't everyone? )
- emma_p
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Re: House Buying Is More Stressful Than Divorce, Death or Bankruptcy
I’ve never changed the locks!
Congrats Beena! Thank goodness you weren’t waiting to get in to the new house though.
Congrats Beena! Thank goodness you weren’t waiting to get in to the new house though.