Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Mrs Z
    • By Mrs Z 31st Mar 14, 2:28 PM
    • 864Posts
    • 843Thanks
    Mrs Z
    Waiting to exchange - anyone want to join me?
    • #1
    • 31st Mar 14, 2:28 PM
    Waiting to exchange - anyone want to join me? 31st Mar 14 at 2:28 PM
    Well, we have now passed the 'mortgage application' and survey hurdle and searches are all done. As far as I know, our buyers should also have everything in order. We are now waiting for our seller to get to the same point as they found their house a fortnight after accepting the offer from us. It is nerve wrecking... anyone want to join me????!!!
Page 361
    • lee111s
    • By lee111s 11th Oct 16, 5:35 PM
    • 2,663 Posts
    • 1,843 Thanks
    lee111s
    Buyer has handed in their signed gifted deposit letter and paid their deposit (weeee). Contract was signed last week.

    Just need to wait for their lender to give the OK regarding the gifted deposit letter and we can eventually exchange
    • jojo9239
    • By jojo9239 11th Oct 16, 7:18 PM
    • 320 Posts
    • 226 Thanks
    jojo9239
    My solicitor rang said our proposed date of 11th nov is fine and do able but our vendors house she is buying her solicitors haven't had any paperwork for her purchase 5 weeks on so frustrating
    • jojo9239
    • By jojo9239 11th Oct 16, 7:19 PM
    • 320 Posts
    • 226 Thanks
    jojo9239
    Quite a relaxed day today...after last weeks hell. I emailed solicitor to advise of withdrawal and new purchase and that's about it. Will contact broker a little further down the line to arrange new mortgage offer and valuation.

    I erm....forgot...to tell EA about us pulling out of first purchase I'll do it tomorrow.

    WhizzyB - how exciting! Let us know!

    Davo - I would be super annoyed too...why on earth have they left it this long to get a mortgage? I hope it all goes smoothly for you. Some people just have no sense of urgency or realise how important it all is.

    Life of unmumsy - I was looking forward to hearing that it was all "systems go". I thought they wanted 7 days? Have you had any update from them at all? Are you going to give them a deadline or are you concerned it cause them to withdraw?

    Abbey - You're moving date is my birthday (and my sons 1st birthday). Hope it all goes smoothly for you. Bet you're excited. I didn't polish for 4 weeks after we accepted an offer...I had been polishing 3x a week for 19 months

    BritishB - I hope things get going for you soon - I find being in "limbo" so frustrating. Even just a small update to say "don't worry about the current silence, things are still progressing"

    Mattk - not long now. Why cant people be honest rather than try to stall at every turn? If our vendors had been honest, I think we would still be purchasing.

    JoJo - we will be in a similar position when we sell our home. Moving in with mum - hope your sale progresses quickly for you. I'm sure you will look back at this short time with your mum in a fond way.

    Playsnicely - love your weekly plans. I am going to start doing some of my own. I love lists...my work desk is always full of them.
    Originally posted by Bonfire Bride
    Ha ha I hope so it's not been too bad think hubby is feeling it more than me x
    • lewishardwick
    • By lewishardwick 11th Oct 16, 7:43 PM
    • 420 Posts
    • 459 Thanks
    lewishardwick
    Spoke with my vendor today about fixtures and fittings. Also mentioned the delays with the freeholders and management company.

    She agreed it was unreasonably slow as we're both waiting to exchange.

    Cue estate agents, mortgage brokers and solicitors all hounding them into gear! Fingers xx'ed still for end of October!!
    • PlaysNicely
    • By PlaysNicely 11th Oct 16, 8:13 PM
    • 101 Posts
    • 174 Thanks
    PlaysNicely


    How's everyone doing?

    Really feel for you Lcc, Matt, Levs, Jojo, Seany & Lewis .... and anyone lurking that I've missed, just feels so close yet so far when you're waiting for that deed to be done, that phone call or email with confirmation to come through. Here's hoping for tomorrow for you!

    MissTasmanian, I can't believe you've had no response at all, that's awful. Really hope you can find somewhere soon which turns out to be a breeze compared to the troubles you've had so far.

    Own process is plodding on and looking positive in the scheme of things *frantically knocks on wood* ...

    TA for comment BB, lists also keep me sane and I like to break it all down into small aims, to keep me heading in the right direction without overwhelm setting in. And speaking of which, a little update ...

    Aims for this week:
    Try to get F&F issue dealt with via EA so that when solicitor gets back we can push on towards contracts etc.
    Chase outcomes of both surveys as no news yet and add that into mix to greet solicitor back with. Combined success with this and above issue for our sale ... F & F issue now dealt with and survey report shows just a few minor tweaks to be done before winter (yup, the autumn stuff we haven't done as too busy with whole selling / buying / daily life & work malarkey, so no down-valuation or negotiation! Purchasers want to complete by end of Nov, we've said soon as possible is fine by us, but word is they are unable to sign ready for exchange until searches back and they have only requested them this week apparently).

    No outcome yet for survey on our purchase, have emailed surveyor again today to see if there is an update on the report.


    Investigate good value flood risk insurance for one we're buying (assuming no surprises arising from survey report). Ongoing, quotes £300 - £700 per annum so far! Have had confirmation from EA that probate has been granted so there shouldn't be too many hold ups once contracts are ready *knocks on wood like a frenetic woodpecker, again*

    And cheer myself up by accepting the quote from jolly removals guys who moved us last time and also by getting a few boxes off them so I can pack and plan (when I'm not working or doing the above)! Quote officially accepted and two lads dropped some boxes off this evening!
    x
    Originally posted by PlaysNicely
    And other incidental news, my husband is driving me potty, he wants it all over and done with (it's his dream location, bottom end of nowhere), like having a five year old who wants it to be Christmas aready and one of my dogs is behaving strangely and will not leave my side, seriously parks himself on bath mat every time I, um, use the facilities ... he's been like it since the weekend when we started packing proper ... think the boxes are unsettling him?
    PN x
    Last edited by PlaysNicely; 11-10-2016 at 8:21 PM. Reason: Apparently I'm too tired to type sensibly
    • Levs01
    • By Levs01 11th Oct 16, 8:28 PM
    • 224 Posts
    • 238 Thanks
    Levs01


    How's everyone doing?

    Really feel for you Lcc, Matt, Levs, Jojo, Seany & Lewis .... and anyone lurking that I've missed, just feels so close yet so far when you're waiting for that deed to be done, that phone call or email with confirmation to come through. Here's hoping for tomorrow for you!

    MissTasmanian, I can't believe you've had no response at all, that's awful. Really hope you can find somewhere soon which turns out to be a breeze compared to the troubles you've had so far.

    Own process is plodding on and looking positive in the scheme of things *frantically knocks on wood* ...

    TA for comment BB, lists also keep me sane and I like to break it all down into small aims, to keep me heading in the right direction without overwhelm setting in. And speaking of which, a little update ...


    And other incidental news, my husband is driving me potty, he wants it all over and done with (it's his dream location, bottom end of nowhere), like having a five year old who wants it to be Christmas aready and one of my dogs is behaving strangely and will not leave my side, seriously parks himself on bath mat every time I, um, use the facilities ... he's been like it since the weekend when we started packing proper ... think the boxes are unsettling him?
    PN x
    Originally posted by PlaysNicely
    It probably is the packing up that's unsettling him. They don't understand why their home is being turned upside down. That and maybe he's been reading on here about people leaving cats and dogs behind when they move out couldn't even fathom doing something like that.
    • Bonfire Bride
    • By Bonfire Bride 11th Oct 16, 10:31 PM
    • 697 Posts
    • 908 Thanks
    Bonfire Bride
    Our seller hasn't even bothered replying to our ultimatum. All the paperwork done back in August and he strung us along until we finally told him to either agree a completion date or we'd back out. Time to cut our losses

    I guess some people never want to sell their house.
    Originally posted by MissTasmanian
    What an awful situation and awful people to do that to you so close to exchange. I honestly wonder what goes through some peoples' minds. I hope you're okay.
    Mummy to 2 little boys born in 2013 & 2015

    Save 12k in 2017 - #152
    £1,500/£8000

    • jojo9239
    • By jojo9239 11th Oct 16, 10:35 PM
    • 320 Posts
    • 226 Thanks
    jojo9239
    What an awful situation and awful people to do that to you so close to exchange. I honestly wonder what goes through some peoples' minds. I hope you're okay.
    Originally posted by Bonfire Bride
    I agree totally awful. Our vendor decided 4 days before exchange that the dates weren't good for her anymore we were so mad and they just kept changing so we pulled out in the end
    • Bonfire Bride
    • By Bonfire Bride 11th Oct 16, 10:38 PM
    • 697 Posts
    • 908 Thanks
    Bonfire Bride
    I emailed EA today to say we were pulling out...I think they expected it.

    Told solicitor on Monday that we were going to purchase new house...paperwork received today! Super impressed with her to be honest and was worried she would drop me as another solicitor from the firm is our vendors solicitor.

    Another £250 to cough up.

    Will email broker tomorrow now to keep him up to date...not going to get mortgage valuation until the end of the month when my solicitor should have received fixtures and fittings forms etc.

    Something our previous sellers didn't even bother to return in the 2 months...

    I hate these chains...something needs to be done about the house buying legislation in Wales/England..so much money spent on nothing.

    In work tomorrow, so i'll be able to keep up with everyone's updates.

    x
    Mummy to 2 little boys born in 2013 & 2015

    Save 12k in 2017 - #152
    £1,500/£8000

    • jojo9239
    • By jojo9239 12th Oct 16, 6:58 AM
    • 320 Posts
    • 226 Thanks
    jojo9239
    BB I feel your pain we took the desision to pull out after the vendor kept moving goal posts and threatening us with withdrawing but turns out this new house is 100% better for us it all works out in the end xx
    • mattk_180
    • By mattk_180 12th Oct 16, 9:22 AM
    • 329 Posts
    • 247 Thanks
    mattk_180
    Another day has gone by without exchange.


    Onward chain solicitor didn't respond yesterday regarding the whole "written or verbal consent" issue. They're either incredible incompetent or they've decided they can't accept verbal and are looking to get written from the vendor.


    Can't see how this would take very long so going to call our solicitors this morning who have been very good, and explain the fact we are not happy they have strung us along for 3 weeks and need to push for exchange today. We are not happy with the relatively small gap before completion we have at the moment anyway without it being any bigger. Pushing completion date back just doesn't feel like an option at this stage.


    Good luck all, here we go again!
    • Bonfire Bride
    • By Bonfire Bride 12th Oct 16, 9:28 AM
    • 697 Posts
    • 908 Thanks
    Bonfire Bride
    BB I feel your pain we took the desision to pull out after the vendor kept moving goal posts and threatening us with withdrawing but turns out this new house is 100% better for us it all works out in the end xx
    Originally posted by jojo9239

    It's awful because it's not just financial it's so blinking emotional too. I am quite detached at the moment (for now). The new house is lovely...not as new or at "showhome" standard but we will put our stamp on it. My friend has also offered on a house a few doors down and our children are in nursery together.


    The other house was very much "out in the sticks" and I don't think there were many kids about.


    Vendors should realise that they cant afford to mess people arround so badly. There are always more houses on the market.
    Mummy to 2 little boys born in 2013 & 2015

    Save 12k in 2017 - #152
    £1,500/£8000

    • Bonfire Bride
    • By Bonfire Bride 12th Oct 16, 9:30 AM
    • 697 Posts
    • 908 Thanks
    Bonfire Bride
    Another day has gone by without exchange.


    Onward chain solicitor didn't respond yesterday regarding the whole "written or verbal consent" issue. They're either incredible incompetent or they've decided they can't accept verbal and are looking to get written from the vendor.


    Can't see how this would take very long so going to call our solicitors this morning who have been very good, and explain the fact we are not happy they have strung us along for 3 weeks and need to push for exchange today. We are not happy with the relatively small gap before completion we have at the moment anyway without it being any bigger. Pushing completion date back just doesn't feel like an option at this stage.


    Good luck all, here we go again!
    Originally posted by mattk_180

    Get on the blower and harrass all day - hopefully your solicitor can put the pressure on the others. Hope to hear good news today for you.
    Mummy to 2 little boys born in 2013 & 2015

    Save 12k in 2017 - #152
    £1,500/£8000

    • jodiepoke
    • By jodiepoke 12th Oct 16, 10:29 AM
    • 29 Posts
    • 29 Thanks
    jodiepoke
    After months of the vendor slowing things up she's decided she wants everything to be completed by the 31st October. We thought great we are happy with that.. but we've only just found out one of the blocks of flats needs a complete roof replacement and each leaseholder (there are 18) will need to pay towards the replacement and that would include us/ the vendor!!

    Our happiness and excitement turned to upset and confusion... we are now not sure if we want to continue and are worried the cost will be too high for us to afford with all the other fees that go with house buying ! Now we are thinking the vendor wants to be out before the bill comes in! Hopefully we find out soon and can figure out what we want to do and get the vendor to pay for all or at least a large portion of the bill. (I was thinking the sale was going a bit too smoothly compared to some of the other stories in here! )

    Hopefully it will all be sorted and we will be happy again soon!

    Good Luck to everyone with their house buying!
    • Bonfire Bride
    • By Bonfire Bride 12th Oct 16, 10:33 AM
    • 697 Posts
    • 908 Thanks
    Bonfire Bride
    After months of the vendor slowing things up she's decided she wants everything to be completed by the 31st October. We thought great we are happy with that.. but we've only just found out one of the blocks of flats needs a complete roof replacement and each leaseholder (there are 18) will need to pay towards the replacement and that would include us/ the vendor!!

    Our happiness and excitement turned to upset and confusion... we are now not sure if we want to continue and are worried the cost will be too high for us to afford with all the other fees that go with house buying ! Now we are thinking the vendor wants to be out before the bill comes in! Hopefully we find out soon and can figure out what we want to do and get the vendor to pay for all or at least a large portion of the bill. (I was thinking the sale was going a bit too smoothly compared to some of the other stories in here! )

    Hopefully it will all be sorted and we will be happy again soon!

    Good Luck to everyone with their house buying!
    Originally posted by jodiepoke


    Argh - how frustrating. How much is this repair going to cost each flat owner?
    Mummy to 2 little boys born in 2013 & 2015

    Save 12k in 2017 - #152
    £1,500/£8000

    • jodiepoke
    • By jodiepoke 12th Oct 16, 11:03 AM
    • 29 Posts
    • 29 Thanks
    jodiepoke
    Argh - how frustrating. How much is this repair going to cost each flat owner?
    Originally posted by Bonfire Bride
    We are waiting to find out at the moment, which I'm sure will take a nice lengthy few days!

    I did email the estate agent to let them know of this and added a few bits to scare them into thinking we might pull out in the hopes it will move things along a bit quicker!

    We are FTB and live with parents so we don't have anything pushing us other than impatience!
    • lee111s
    • By lee111s 12th Oct 16, 11:10 AM
    • 2,663 Posts
    • 1,843 Thanks
    lee111s
    Another day waiting for the phone to ring. There is now nothing more for me or my buyer to do other than wait for the call to say we're exchanged.
    • mattk_180
    • By mattk_180 12th Oct 16, 12:03 PM
    • 329 Posts
    • 247 Thanks
    mattk_180
    BB - sounds like the new house has plenty of positives and lots to work with. Might not be as up to scratch as the last place but just see it as being able to put more of your own stamp on it.


    Now for the big news!! WE'VE EXCHANGED!


    Didn't even need to call the solicitor this morning, they called me before I got to it. Confirmed the vendor was now ready to complete and asked for my consent to exchange (usual solicitor is off today so had to reconfirm to a different one to go ahead). Also needed to activate our house insurance.


    About half an hour later I got the call to say it's all done and we are now going to be picking up our keys next Friday 21/10! Doesn't quite seem real just yet!!
    • jojo9239
    • By jojo9239 12th Oct 16, 12:07 PM
    • 320 Posts
    • 226 Thanks
    jojo9239
    It's awful because it's not just financial it's so blinking emotional too. I am quite detached at the moment (for now). The new house is lovely...not as new or at "showhome" standard but we will put our stamp on it. My friend has also offered on a house a few doors down and our children are in nursery together.


    The other house was very much "out in the sticks" and I don't think there were many kids about.


    Vendors should realise that they cant afford to mess people arround so badly. There are always more houses on the market.
    Originally posted by Bonfire Bride
    It's awful I cried taking cat to cattery cried loading the storage unit and cried handing keys to agent lol i wasn't upset about leaving the house as we hated our home but it's the inconvenience of it all hopefully this will all be a distant memory soon x
    • Bonfire Bride
    • By Bonfire Bride 12th Oct 16, 12:12 PM
    • 697 Posts
    • 908 Thanks
    Bonfire Bride
    BB - sounds like the new house has plenty of positives and lots to work with. Might not be as up to scratch as the last place but just see it as being able to put more of your own stamp on it.


    Now for the big news!! WE'VE EXCHANGED!


    Didn't even need to call the solicitor this morning, they called me before I got to it. Confirmed the vendor was now ready to complete and asked for my consent to exchange (usual solicitor is off today so had to reconfirm to a different one to go ahead). Also needed to activate our house insurance.


    About half an hour later I got the call to say it's all done and we are now going to be picking up our keys next Friday 21/10! Doesn't quite seem real just yet!!
    Originally posted by mattk_180


    CONGRATULATIONS!!!


    Yay...finally some good news!
    Mummy to 2 little boys born in 2013 & 2015

    Save 12k in 2017 - #152
    £1,500/£8000

Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

259Posts Today

1,045Users online

Martin's Twitter