UnderOpenSky
baseline neural therapy
Jesus. Looks it's happening. Should probably rent a van and speak nicely to the boss for time off.
Buying a home and don't know how anything works
- Thread starter miss direct
- Start date
A380
How do I change this 'custom title' thing then?
My neighbors had it done years ago. Depends on the roof. If the current size was chosen because it fits in between the main trusses (? not sure if that’s the right word ) then you might need steel work to replace them and hold the roof up, which would be a medium sized building job. If the trusses (?) don’t need replacement then it would be fairly straightforward.
Is it at the back, if so shouldn’t be a planning issue if it’s just one room. If it’s at the front might be a nightmare or impossible as most local authorities do t want dormers facing streets as effectively if everyone did it all streets would become tgeee story not two…
WouldBe
Dislicksick
But if the stairs go up at the end of the building you would have to go through the existing room to get to the new one which planning may not like. If the stairs go up in the middle of the house with the existing room off to one side then there shouldn't be any problems putting another dormer to the other side of the stairs.It’s one room, with current dormer over half so the roof slopes down to the only place the bed fits
Boudicca
Seaside Queen
5t3IIa If I remember it correctly, you are allowed to increase the square footage of your house by a certain percentage without asking for planning. The Dorma I put into my last house came under permitted development, but the house down the road had to get permission as they had already built an extension on the back of their house.
Elpenor
Dancing as fast as I can
Phone call yesterday from the agent asking how things are going, have the searches come back yet etc. Suspect someone at the solicitors has been on holiday (looks like the person on my case works 3 days a week) and hence they’ve not come back yet.
Took the opportunity to mention that my survey is on May 16th. Anyway things are chugging along and it sounds like both seller and the agent are being proactive and I may not be stuck with the liars, idiots and sundry useless sorts in the chain I’ve had in previous transactions.
Took the opportunity to mention that my survey is on May 16th. Anyway things are chugging along and it sounds like both seller and the agent are being proactive and I may not be stuck with the liars, idiots and sundry useless sorts in the chain I’ve had in previous transactions.
Urbans. What would you do?
I just put a complaint in with the lender I've been trying to borrow from. Their last message was the final straw. Won't bore you with the details but suffice to say, it feels like deliberate obfiscation. Them seemingly misreading a doc, then not reading one of them at all and taking weeks about it.
Coulda been resolved with a couple of phone calls but the decision makers don't speak to people apparently.
Should get a response in 5 working days.
IN the mean time, like today, should I apply for the mortgage with my own bank?
Pros:
. Need to just get on with something. This has gone on too long, I still have an offer on the flat and need it resolved one way or the other.
This bank know my financial history etc.
Cons:
My credit rating might be fucked due to the first application not being resolved. Maybe I can't apply until it has been?
Unlikely but maybe the first lender will look at the complaint, see I have a point and agree to lend after all. Which would obviously be quicker than starting again.
I just put a complaint in with the lender I've been trying to borrow from. Their last message was the final straw. Won't bore you with the details but suffice to say, it feels like deliberate obfiscation. Them seemingly misreading a doc, then not reading one of them at all and taking weeks about it.
Coulda been resolved with a couple of phone calls but the decision makers don't speak to people apparently.
Should get a response in 5 working days.
IN the mean time, like today, should I apply for the mortgage with my own bank?
Pros:
. Need to just get on with something. This has gone on too long, I still have an offer on the flat and need it resolved one way or the other.
This bank know my financial history etc.
Cons:
My credit rating might be fucked due to the first application not being resolved. Maybe I can't apply until it has been?
Unlikely but maybe the first lender will look at the complaint, see I have a point and agree to lend after all. Which would obviously be quicker than starting again.
No. Applied direct with first lender. A family member found a good deal and helped me apply.
I could get a broker, friend recommended London and Country. But TBH as I only want to borrow a relatively small amount, thought there's not much in it and may as well go to my own bank now.
Though I've kept them up to date, the vendor might lose patients and relist the property during all this of course...
hash tag
Books, not bombs
Sorry, its often what happens and depends what the issue is. Many many years ago, a lender I knew waited until all the requested references etc. arrived before looking at any of them. Consequently, one which came in weeks ago
as not correct, so rather than addressing the issue when the reference arrived, they waited for everything else before addressing things ad possibly delaying a decision by weeks.
It doesnt help but its what happens
as not correct, so rather than addressing the issue when the reference arrived, they waited for everything else before addressing things ad possibly delaying a decision by weeks.
It doesnt help but its what happens
hash tag
Books, not bombs
It is possible the lenders valuer mentioned cladding and the lender then has to get confirmation in writing that it is not.
Yep. Have sent them all that. Several times... And they seemingly have misread a EWS1 as saying work needs carrying out, when it actually says the opposite (B1.)
hash tag
Books, not bombs
Of course, valuers have never ever made mistakes and/or incorrectly typed up the report.
You mean the fire engineer who signed off the EWS1 and the supporting letters ? I dunno the valuer could always ask them directly if they don't believe what they've written. Honestly they've been fucking useless. Just in terms of coms. Nothing deeply complex or technical.
Anyway contacting a broker now...
hash tag
Books, not bombs
Mortgage processing staff are usually just that and not qualified in law, insurance, valuations etc. and any query is referred to possibly a whole chain of people.
One typo or error at a valuers and set in motion this chain, many of which are not followed up quickly and if missed, could leave you and or the lenders with a property which could be
uninsurable/uninsured or unsaleable.
One typo or error at a valuers and set in motion this chain, many of which are not followed up quickly and if missed, could leave you and or the lenders with a property which could be
uninsurable/uninsured or unsaleable.
Again, who is the fire engineer working for? If there the slightest query on the EWS1 which could open up a whole chain of events. Is there a contradiction between the EWS1 and the valuation?
The agents on the phone have been fine. I made it clear my complaint wasn't about them FWIW.
The fire engineer works for a company comissioned by the property management.
You'll have to take my word for it. This isn't about technical stuff which I'm quite rightly not qualified to quibble over. That isn't why I've complained. IT's about being drip fed questions over several months and them seemingly not reading the answers and docs I've sent in response. Refusing to call me or anyone else involved to actually talk about it.
hash tag
Books, not bombs
It doesn't make it right and it's what happens. This is not the second most stressful thing ever without reason. I have seen it from both sides and I do sympathise.
(the fire engineer could be coming at things from a different angle to how the lender or insurer will want to see it, bearing in mind the report was not for them to meet their needs).
UnderOpenSky
baseline neural therapy
equationgirl
Respect my existence or expect my resistance
I had a valuer value my flat as £0 because it was over a takeaway- which is actually under the flat on the opposite side of the stair. I'm over a newsagents. The broker said he'd never have that happen. Fortunately I was able to get a new mortgage through my current lender but it meant my mortgage went up instead of down, as they weren't the cheapest.
Artaxerxes
Look out, he's got a gnu!
Chased the solicitors on Monday as it's been quiet for a while, got a text to say they didn't get decent answers from sellers solicitors so they'll chase.
Fingers crossed.
Fingers crossed.
Epona
Sonic: 1 Nov 2006 - 8 Jan 2022
I know it is shit as you're paying them, but last time I went through this rigmarole it felt like I had to poke them occasionally to check they were still alive.
And then correct all the stuff that they got wrong
Artaxerxes
Look out, he's got a gnu!
I know it is shit as you're paying them, but last time I went through this rigmarole it felt like I had to poke them occasionally to check they were still alive.
And then correct all the stuff that they got wrong
Yeah they've been super lethargic which is frustrating.
Artaxerxes
Look out, he's got a gnu!
First draft of the contract and queries to responses emailed through to me about an hour ago, have asked for clarification on fixtures and fittings because there's big tbcs against the kitchen stuff - don't mind to much, we have a small freezer here we bought and we are planning on swapping gas cooker for electric, but be good to know.
UnderOpenSky
baseline neural therapy
I feel totally broken. Like run ultra marathons and felt like this. I'll probably post more tomorrow but that will do for now. But its (mostly) happened. 
beesonthewhatnow
going deaf for a living
Have owned my flat for 4 months. Have received a letter from the management company telling me I owe nearly a grand in various fees that should have been sorted by my solicitor when I bought it. I don’t have the money to pay them.
5t3IIa
Registered User
Absolutely dying to hear the full story on this, but understand if you’re traumatisedI feel totally broken. Like run ultra marathons and felt like this. I'll probably post more tomorrow but that will do for now. But its (mostly) happened.
hash tag
Books, not bombs
FWIW I was having a chat with a mate yesterday who is trying to sell his place in Tooting. He has many connections in the sticks but prefers to use a solicitor for his conveyancing that is based in London.
He is not one for spending money unnecessarily but maintains London Solicitors are much more on the ball than a solicitor in the sticks.
He is not one for spending money unnecessarily but maintains London Solicitors are much more on the ball than a solicitor in the sticks.
