Buying a home and don't know how anything works
- Thread starter miss direct
- Start date
miss direct
misfungled
And, back to silence.. I'll assume that if no one has said otherwise by lunchtime, completion won't happen tomorrow, dragging the whole thing on into another week. I also have loads of new classes next week 
Idaho
blah blah blah
Hang in there... It's a grim ordeal.And, back to silence.. I'll assume that if no one has said otherwise by lunchtime, completion won't happen tomorrow, dragging the whole thing on into another week. I also have loads of new classes next week
Every time i see there’s a new post on this thread I hope it’s from you saying you have a completion date so I can only imagine what tenterhooks you’re on miss direct. I do hope you get into your new home soon.
miss direct
misfungled
At least noone is telling me to keep hassling anymore 
equationgirl
Respect my existence or expect my resistance
Waiting is always the worst part of anything.
miss direct
misfungled
I paid my extra two weeks for my current place this morning. I am having trouble visualising getting the keys, cleaning, getting internet set up and having a proper work space in the next two weeks. I'm starting a new job possibly on the 19th which is full time, online :/
miss direct
misfungled
I'm sure I could find a cleaner, but to be honest with the help of a friend I would rather do it myself. I have to buy all the cleaning stuff anyway and want to make sure it's spotless - not sure I trust an unknown cleaner. It's only a small place and empty so shouldn't be too bad. It sounds strange but I've actually been looking forward to cleaning. I keep my current room really clean to make up for the dirty communal areas. I used to clean the communal areas here myself but stopped a while ago because it just made me angry (I was the only one who cleaned and everything would be filthy again within a few hours.) It will be a delight to be able to clean an entire place and know it will stay that way!
Thanks Elpenor, you're always supportive and helpful!
equationgirl
Respect my existence or expect my resistance
The best bit about living by yourself is a) it stays clean and b) when you put something down no other fucker comes along and moves it, so you end up looking for the scissors that were in the kitchen drawer feeling a bit mad.
Ok, mske that two best bits.
Ok, mske that two best bits.
Saffy
Under the duvet..
I have my fingers crossed for you miss direct. I love cleaning when I move somewhere new, it's a real joy for me. I also leave my old houses clean too, even though I know someone's going to come in and clean again.
kalidarkone
Bringing YOU round.....
I'll be buying orange juice today so I can be ready with a celebratory mimosa- the prosecco is chilling in the fridge.......
equationgirl
Respect my existence or expect my resistance
I get where you're coming from with the cleaning miss direct although these days due to disability I can't always manage a big clean, so that's when I've used cleaners who have been very good.
cybershot
Well-Known Member
At least noone is telling me to keep hassling anymore
It's probably worth harassing come Monday, it's easy enough for you to slip down the pecking order when the info does come back, because others have been barking louder than you.
miss direct
misfungled
I hate the idea that I live in a world where those who shout loudest get what they want.
Emailed again and asked for an update (last email went unanswered), even if it's a negative, I would like to know if I will be completing this week or not. Ufff another weekend in the hot bedroom.
Emailed again and asked for an update (last email went unanswered), even if it's a negative, I would like to know if I will be completing this week or not. Ufff another weekend in the hot bedroom.
miss direct
misfungled
FFS. I really picked a good one, didn't I? This makes absolutely no sense to me at all, I thought that was the whole point of the faff about the charges on the property.
The vendors have contacted me this morning to advise that they are unable to pay the outstanding debt on the property until the end of July. I have therefore asked their solicitor if it’s possible to hold back the funds from the sale proceeds to pay off the debt upon completion.
The vendors have contacted me this morning to advise that they are unable to pay the outstanding debt on the property until the end of July. I have therefore asked their solicitor if it’s possible to hold back the funds from the sale proceeds to pay off the debt upon completion.
equationgirl
Respect my existence or expect my resistance
Yeah damn straight you're not waiting until July. To be fair your solicitor is making sure you're not left with their debt/charges, which looks to be a real possibility if they were handed the money.
I would expect that the sellers didn't quite appreciate what the charges would mean in practice.
miss direct
misfungled
Why would they be expected to pay off the debts before completion? Isn't the whole point that the money from the sale will be used to pay the debts? I am so confused.
I've emailed both and said I am absolutely not willing to wait until the end of July, I need to complete asap and I will not hesitate to pull out of the entire sale if this continues without a completion date set.
I've emailed both and said I am absolutely not willing to wait until the end of July, I need to complete asap and I will not hesitate to pull out of the entire sale if this continues without a completion date set.
Leafster
.
It suggests to me that the proceeds from the sale of the flat are less than the debts secured against it and therefore in order to remove the charges against the property they're having to find funds from elsewhere.
miss direct
misfungled
Do you have any idea what would happen in that case?
Idaho
blah blah blah
I don't think there is any danger that you will inherit their debt, just that you might inherit their loose ends/admin.
miss direct
misfungled
I am staggered at the thought that two adults could get into the amount of debt that an entire property sale wouldn't pay it off. I'm hoping they just misunderstood.
miss direct
misfungled
Just feeling so completely hopeless and pissed off. Sick of being patient and living like this.
Leafster
.
I don't know. I suspect the vendors will have to find other means to pay off the debts before the charges can be released. The fact they won't be able to sort things out until the end of the month suggests they may be trying to get an unsecured loan or even a couple of credit cards and need to wait for those to be processed. It could be they have savings or investments of some kind locked up in a fixed term period and need to wait for them to mature.
Sadly, it does happen. I suspect the real reason they were selling was they couldn't afford the outgoings on the property. That's sort of backed by the debts (other than a mortgage) being secured against the property.
WouldBe
Dislicksick
The whole point of a charge us that it gets paid off when the property is sold. It doesn't rely on the sellers finding the money to start with as that's why they have charges against the property.
Unless they owe more on the charges than the property is worth.
WouldBe
Dislicksick
That should be down to the solicitor to sort out.
miss direct
misfungled
Yes, this is why I am thinking that they are just confused - as the email says, they contacted the estate agent.The whole point of a charge us that it gets paid off when the property is sold. It doesn't rely on the sellers finding the money to start with as that's why they have charges against the property.
Unless they owe more on the charges than the property is worth.
