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mortgage query

I agree that there are many instances where a neutral intermediary is beneficial. I just think there are at least as many where trust and rapport would benefit.
 
With my last house purchase, I dropped a note through their door with my phone number saying that they didn't need to call me if they didn't want to, but here was my number just in case they thought it might help and that I was happy to talk to then direct.
 
When we bought our house the seller was using one of the newer online estate agents; we negotiated all the pre exchange checks etc via the seller, the agent wasn't even around on exchange day. Our seller started to play silly buggers around the dates though so in the end we reverted to handling everything via our solicitors as it had the potential to get quite unpleasant.
 
Starting to get a bit annoyed now. I emailed the solicitor first thing last Thursday morning. Had no response by Friday so tried calling. I must have called about 5 times. She was either on the other line or out of the office. I left several messages with the receptionist. No one called me back. Before I went home on Friday, I emailed asking if she could confirm she'd received my email. Now it's 11am Monday and I've still had no response. I don't want to keep hassling her but I'm paying them 3 grand ffs. All I'm asking for is confirmation my emails been received and the vendors solicitor is going to be contacted regarding a boiler service. :mad::rolleyes:

Any advice? Should I keep calling/emailing? Don't really know what else to do now, but I need things to move forward.
 
See earlier posts RE solicitors. They are a law unto themselves. It's the biggest, most important thing in the world to you, to them, an irritating piece of paper.
 
cupid_stunt said:
Hellsbells, can you not just turn-up at her office?
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No need now. I don't think the actual solicitor does anything. Had an email from her secretary asking ME for an update! But aside from that, also informing us that the vendor would like to exchange NEXT THURSDAY AND ARE WE OK WITH THIS!! :eek::eek:

Turns out we had actually already received the boiler service & gas certificate paperwork from the vendor. The photocopy was so poor though that it had been practically impossible to read and the date of the service was completely obscured. I have it as a Word document now via email so can see the boiler was serviced in January this year so that's all ok.

OMG feel a bit sick. This whole process has taken around 8 and a half weeks!! After all the horror stories, I was expecting 8 and a half months so am a bit shocked & overwhelmed by it all :D:eek:
 
hash tag said:
Have you exchanged yet?
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Thursday. In theory. Solicitors sent us a rather scary statement today. We 'just' need to transfer money to their account tonight & then everything should be set for Thursday....

The vendors are still living in 'our' house....is that normal? Shouldn't they have moved by now? They've apparently got somewhere to move to.
 
Hellsbells said:
Thursday. In theory. Solicitors sent us a rather scary statement today. We 'just' need to transfer money to their account tonight & then everything should be set for Thursday....

The vendors are still living in 'our' house....is that normal? Shouldn't they have moved by now? They've apparently got somewhere to move to.
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Nope. Completely normal for them still be there and in most cases right up to the point of completion.
 
Hellsbells said:
The vendors are still living in 'our' house....is that normal? Shouldn't they have moved by now? They've apparently got somewhere to move to.
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It is theirs until you complete. Normally there is a chain and everyone moves on the same day, it sounds a bit different with yours though. The day I picked up the keys the previous owner was still in there cleaning when I first turned up.
 
On the day we completed the vendor seemed to disappear until about 4pm and the online estate agent was missing in action. It was, to put it mildly, a bit of a relief when the vendor turned up at our house with the keys. Fortunately we were renting and did not plan to move that day, otherwise it would have been hellish.
 
When I brought my first place, we turned-up to find the sellers literally sitting on the stairs! :eek:

There had been some sort of last minute delay in the money being transferred, I gave the estate agents shit & they released the keys to me, clearly the sellers hadn't been so 'firm' with the agents involved in the place they were buying. :D
 
Teaboy said:
It is theirs until you complete. Normally there is a chain and everyone moves on the same day, it sounds a bit different with yours though. The day I picked up the keys the previous owner was still in there cleaning when I first turned up.
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There's a bit of a quirk here. You've committed to buy the property (and the vendors to sell) at the point of exchange so theoretically you need to insure the property from that date and not completion. It's highly unlikely they'll burn it down before you take possession but you never know!
 
Does anyone know what actually happens today? Is someone (the solicitor? the estate agent?) going to call me to tell me completion has happened? Am I meant to chase them? Who do I get the keys from?!
Everyone seems to assume I'm fully aware of the process so no information is ever given.

A few months ago I had this image of exchange and completion being this physical chain of people standing in the solicitor's office swapping contracts and handing over keys :D:rolleyes:
 
Good luck and best wishes for the move Hellsbells !

When we moved to this place, it was "in a state" so we arranged to have access for cleaning in the month between exchange and completion (getting the meters read etc the first day we did get in there). The widow we bought it from was already living with her daughter and the place had been empty for months ...
It took us ages to get the place liveable (I washed the upstairs bathroom down with sugar soap at least three times before the smell / stains from nicotine / tars was tolerable - and another twice before attempting to paint what had been bare plaster, that effort worked !).
For the next two years or so we were all working and then rebuilding in our spare time. Then I went on to working out in the garden ...
as with all these things, progress is steady as long as you keep at it.
 
Yeah you should get a call from your solicitor. But definitely worth phoning them and chasing.

Get your mop and bucket ready and the hoover. Even the tidiest of places look like a dump once all the stuff has been taken out and the dust settles.

Our vendors took an extra 2 hours to leave when we bought because they were Muppets. Cost us an extra few hundred quid to the removal company. Didn't bother trying to claim it back. Just moved on.
 
Good luck and congratulations Hellsbells , hope all goes smoothly.

BTW, it's perfectly normal at some point today or in the next day or two where the reality of being a homeowner overwhelms and you have a crisis "What the hell have I done" moment. This will pass :)
 
Find a good book to read, or put on your fav soap to watch :)

And Plumdaff's right, will hit you. But that amazing feeling when you get the key and walk into an empty place, look around and say yeeeaAAAAHHH!!! I'VE DONE IT!!! is fantastic!! :)
 
Plumdaff said:
Good luck and congratulations Hellsbells , hope all goes smoothly.

BTW, it's perfectly normal at some point today or in the next day or two where the reality of being a homeowner overwhelms and you have a crisis "What the hell have I done" moment. This will pass :)
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:D I've been feeling that for weeks! The scariest moment was transferring the crazy sum of money to the solicitor's bank account and then looking at how empty my account was after
 
I don't know about IoM but in mainland you normally exchange contracts one day and expect to complete (move in) a week or two later. Your solicitor should let you know late today that you have exchanged and when to expect completion.
 
On one occasion we had the purchase price in our interest-earning current account for enough time to have coffee and cakes on the interest. (a) it was years ago and (b) effectively over a long weekend ...

However, we recently paid off the last of our mortgage on our home - we had the balance of the equity for ages before then - and it was a strange feeling, but very, very welcome !
 
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