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  • FIRST POST
    • another casualty
    • By another casualty 28th Oct 15, 9:15 PM
    • 2,363Posts
    • 3,583Thanks
    another casualty
    Quit everything , and start again over 50?
    • #1
    • 28th Oct 15, 9:15 PM
    Quit everything , and start again over 50? 28th Oct 15 at 9:15 PM
    MSE Insert:

    18 months on from another casualty's original post they've done it and started again. Read the next instalment here: I've quit everything, now what?

    Back to another casualty's original 2015 post...

    ----



    Hello everyone. Haven't been on here for a few years, but this is my second thread tonight
    My situation: Lovely 2 bedroom maissonette in Twickenham , complete with garden and parking space .
    Know virtually nobody here now . (people moving away etc)

    Working : permanently employed Salary 24,500 + ot

    Debts: inc. mortgage 105,000 approx

    Property worth : 400,000 approx.

    I have had 7-8 years of hell , and I know I'm not the only one
    Haven't had a holiday for years. Been in debt for years, before getting a DMP in 2012.
    My friends are moving away / married etc.
    The place of employment , was a place I didn't want to be in for many years . Joined as a temp in the recession 2007 , and made perm 2009. Things have improved in one way, but are bad in another. For example, my backstabbing colleague and my self get on now since 2012. My boss retired , and now the Personnel officer
    is now my boss.She is rude and incompetent.
    My health suffered last year, and I now have Myasthenia Gravis and am slowly getting back on the mend via steroids.Oh, and I put my brother up for 5 years. He paid 400 a month, but not all at once and I was always chasing him. He was a nightmare , but I have my space back now
    So, with all of the above , I do wonder if I should just quit and start again.BTW, my boss criticised my appointments, I snapped and am now on a final warning for 2 years. I didn't swear/threaten etc. I just shouted as colleague to boss.
    My friends say that I cannot afford to live in London and should buy a place somewhere else and put a sum of money away.
    They even say that I could sell my flat and go travelling for a couple of months. Am I too old for this now?

    I must admit I am getting fed up of London , but I have lived there all of the time , mainly the Borough and Twickenham.
    I wouldn't want to move to anywhere else in London . Twickenham is very pricey as you know.

    Please feel free with suggestions you may have, and thanks for looking




    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by MSE Andrea; 04-04-2017 at 11:29 AM.
Page 222
    • another casualty
    • By another casualty 9th Mar 17, 3:12 PM
    • 2,363 Posts
    • 3,583 Thanks
    another casualty
    You wont be able to sell the parking space as the flat is leasehold and so you don't own the land its on.

    However, you could let it if you got the freeholders consent.
    Originally posted by homerjsimpson1979
    Cool! Thanks
    • another casualty
    • By another casualty 9th Mar 17, 7:38 PM
    • 2,363 Posts
    • 3,583 Thanks
    another casualty
    Ok . I have a potential p I t a situation , regarding electrics.
    I have seen the report from the sellers electrician .
    Cause for alarm : wires are red and black . That =old wiring !
    No earth ?
    I'm due to see estate agent tomorrow and visit the property again.

    However, I will phone the nearest reputable electrician , get him to come with me to the property and assess the situation, and see if the place needs re wiring .
    Of course , re wiring is one part of the job .
    Then , I'd have to get a plasterer to tidy up the mess afterwards.

    Now I know why the estate agent kept mentioning the electrics being done on many occasions .
    Having said that : i actually do believe the brief hand written piece of paper from the sellers solicitor , advising that the reason the property was reduced from an asking price of 190k to 170 k was because of the electrical,issues .
    The estate agent thinks she may pull the wool over my eyes by glossing over it .
    • wendym
    • By wendym 9th Mar 17, 10:35 PM
    • 2,894 Posts
    • 3,699 Thanks
    wendym
    What bothered me was the figure of 3000. Way too much for a bodge; about right for a re-wire without making good.

    PITA sums up a lot of moving house, but well done for not being persuaded to rush and cut corners. Worth asking your surveyor whether he checked?
    • another casualty
    • By another casualty 10th Mar 17, 9:13 AM
    • 2,363 Posts
    • 3,583 Thanks
    another casualty
    After a horrendous night of little /no sleep, my mobie( which is being
    charged at the other side of the room rings.
    It was an electrician I left an email with. Nice bloke.
    He says as the wiring is covered in pvc. The flat does not need re wiring

    Phew
    • anna_1977
    • By anna_1977 10th Mar 17, 9:29 AM
    • 487 Posts
    • 648 Thanks
    anna_1977
    that's something - so what done for 3k?
    • another casualty
    • By another casualty 10th Mar 17, 10:07 AM
    • 2,363 Posts
    • 3,583 Thanks
    another casualty
    I'll let you know when I see it later
    Getting out of bed the wrong side is no fun
    • lessonlearned
    • By lessonlearned 10th Mar 17, 12:30 PM
    • 9,458 Posts
    • 53,221 Thanks
    lessonlearned
    I am sooooooo confused.

    What does "covered in PVC" mean. Surface trunking......?? Nasty lazy cheap fix that looks ugly. What was that 3k for.

    A surveyor does not check electrics.

    I'm am just about to start painting door frames today. Have booked three property viewings for next week.

    They are like buses.....nothing for ages and then three all at once.
    • another casualty
    • By another casualty 10th Mar 17, 1:28 PM
    • 2,363 Posts
    • 3,583 Thanks
    another casualty
    I am sooooooo confused.

    What does "covered in PVC" mean. Surface trunking......?? Nasty lazy cheap fix that looks ugly. What was that 3k for.

    A surveyor does not check electrics.

    I'm am just about to start painting door frames today. Have booked three property viewings for next week.

    They are like buses.....nothing for ages and then three all at once.
    Originally posted by lessonlearned
    Hi LL
    I've confused everyone
    Anyway, I think the 3000, was the estate agent over egging things somewhat. The p v c is protecting the wires ,and not potentially a fire risk as it would be without it. There were faults that have now been rectified . I have seen the certificate by the electrician .
    The electrician used is bona fide . I googled .
    I have a list of repairs done, but cannot remember at this time.
    I will be seeing estate agent later on this afternoon .

    Just viewed the flat in penn hill , including cat .
    Estate agent was professional and lovely . We chatted for ages .
    I like the flat . If I saw it first, I probably would've been getting that.
    I did say to her , that if I made a bid it would be for 187k oneoffer only . However, it looks like I will go,for the flat I've been pursuing over the last couple of weeks .
    My final answer should be this afternoon ..

    Good luck,in your search also
    • another casualty
    • By another casualty 10th Mar 17, 2:09 PM
    • 2,363 Posts
    • 3,583 Thanks
    another casualty
    Minor domestic electrical installation works certificate :
    Rectified fault on lighting circuit ( bathroom ,hall, bedrooms) replaced downlights for LED fire rated fittings and transferred to RCD protected side of consumer unit .
    Various other things ticked etc .
    So there you have it .
    ,
    • dreaming
    • By dreaming 10th Mar 17, 2:15 PM
    • 632 Posts
    • 2,728 Thanks
    dreaming
    You have definitely confused me AC! You seem to be unsure of a lot of things regarding this flat. As I have said to my kids on many occasions - "too much thinking and not enough knowing". In other words it seems you "think" things have been done, or something was said, but you don't "know" for sure. That is why I suggested (along with many others) that you get a written list of scheduled electrical works to be done so you can see exactly what should have been done and check against the schedule. Although in property buying you pay a lot of money to various professionals, in my experience there is nothing like being extremely pro-active (hate that term but it fits) yourself. Don't hink you don't know enough - if I can learn then so can you. That is the gist of all of the advice and suggestions we have been giving you. None of us want you to be in the position in a few months time where you are having to deplete your capital in order to pay for things you "thought" were okay just because you have already paid fees, or you don't want to upset vendor, or estate agent. It's one thing if you choose to spend cash on updating bathroom/kitchen/knocking down walls as that is personal choice. But when it comes to utilities you have to make sure you are entirely satisfied. It really is a case of buyer beware, so you owe it to yourself to be as certain as you can be that you know what's going on. There is never a one hundred per cent guarantee that there won't be an unforeseen problem somewhere down the line, but please don't get caught out by things that could, and should, have been checked out more thoroughly before purchase.
    Having said all that, I really hope it all works out. Having followed you pretty much from the beginning I'm not sure how much more excitement/stress I can take (hee-hee).

    Cross-posted with your last post. Still seems a little vague but if you are happy with that then that's good.
    Last edited by dreaming; 10-03-2017 at 2:16 PM. Reason: cross-posted
    • another casualty
    • By another casualty 10th Mar 17, 2:29 PM
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    • 3,583 Thanks
    another casualty
    Thanks dreaming .
    Basically , the faults have been rectified . I've got certificates for just about everything now tbh . The flat is worth what I'm paying for it . I've obviously been overthinking about the pitfalls and the potentials .
    Initially , I will just paint the whole flat while leaving my stuff in storage . I will then buy dehumidifier , some essential furniture and move in .
    • lessonlearned
    • By lessonlearned 10th Mar 17, 2:43 PM
    • 9,458 Posts
    • 53,221 Thanks
    lessonlearned
    Minor domestic electrical installation works certificate :
    Rectified fault on lighting circuit ( bathroom ,hall, bedrooms) replaced downlights for LED fire rated fittings and transferred to RCD protected side of consumer unit .
    Various other things ticked etc .
    So there you have it .
    ,
    Originally posted by another casualty
    Sorry AC. Clear as mud.......and it sounds like very little work for 3k .....

    I still don't know what you mean about "pvc protecting the wires".

    I'm guessing You mean surface trunking i.e. Wires tacked onto surface of walls and encased in a plastic square edged tube type cover known as "trunking" as oppopsed to chasing out plasterwork and making good.

    Sorry but if that's what they have done then it sounds like a poor job.....yes probably safe enough but certainly not state of the art. . The sort of thing you expect from dodgy landlords and cheap rentals.

    Seriously 3k.?? That should cover a complete rewire for a flat. And I would want some fancy tech and gizmos at that price.

    We did a whole 3 bed house for 3.5k to include fancy switchplates and sockets, lighting dimmers, led lights, bathroom fan, wiring for electric oven, induction hob, extractor and enough sockets in the kitchen to satisfy the needs of the Starship Enterprise.

    I think someone is telling you porkies.........
    • dreaming
    • By dreaming 10th Mar 17, 5:16 PM
    • 632 Posts
    • 2,728 Thanks
    dreaming
    I'm with the learned lessonlearned on this, but if you are happy then I guess that is all that really matters.
    I would want to get my stuff out of storage as soon as possible but again - your call. I have a strong aversion to paying out money unnecessarily and certainly wouldn't be buying furniture until I knew what I already had. Sensible to paint through (at least living room and bedroom) before moving stuff in though.
    Cat seems to have perked up a bit but is obviously suffering from some sort of separation anxiety. When I put food down he will eat it as long as I stay nearby. If I go into another room he comes and cries pitifully until I take him back to his food and then he will tuck in again. Weird or what?
    • lessonlearned
    • By lessonlearned 10th Mar 17, 5:25 PM
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    lessonlearned
    Have I missed something....is poor Kittie hurt.

    I've just finished painting some door frames. Mr M (our cat) was very helpful - supervising and trying to pull off the masking tape i had so carefully put in place.

    He's currently on my knee so I guess it's time for my pre dinner nap.

    DS2 is on catering duties tonight. Moose Cacka. (Mousakka)
    • dreaming
    • By dreaming 10th Mar 17, 5:38 PM
    • 632 Posts
    • 2,728 Thanks
    dreaming
    Have I missed something....is poor Kittie hurt.

    I've just finished painting some door frames. Mr M (our cat) was very helpful - supervising and trying to pull off the masking tape i had so carefully put in place.

    He's currently on my knee so I guess it's time for my pre dinner nap.

    DS2 is on catering duties tonight. Moose Cacka. (Mousakka)
    Originally posted by lessonlearned
    No, cat is just getting old, I think. He's only 13/14 (can never quite remember (i'm getting old too!) but has had an adventurous life. He is a big, ginger bruiser (but very affectionate to me), and used to get into all sorts of fights when he was younger. He has arthritis now so doesn't venture out of the garden - he does occasionally walk around the garden on the fence and out stares next door's little yappy dog, but he has to get up and down by getting onto my garden chair, then the potting table then the fence. After having some infected teeth removed at New Year he initially seemed to get better at eating but has recently gone off his food again. Doesn't want to leave my side if I am in, and cries for a while when I go out (according to eldest). Keep thinking he is suffering from dementia as he often doesn't seem to know where he is. Have been tempting him (or trying to) with all his favourite foods but he has gone very picky again.
    I hate gloss painting. Quite happy to do walls, and even ceilings with a roller on a stick, but glossing is not my thing. That's not an offer by the way AC, I'm not coming down to Poole to help you paint your flat.
    • another casualty
    • By another casualty 10th Mar 17, 5:59 PM
    • 2,363 Posts
    • 3,583 Thanks
    another casualty
    I'm with the learned lessonlearned on this, but if you are happy then I guess that is all that really matters.
    I would want to get my stuff out of storage as soon as possible but again - your call. I have a strong aversion to paying out money unnecessarily and certainly wouldn't be buying furniture until I knew what I already had. Sensible to paint through (at least living room and bedroom) before moving stuff in though.
    Cat seems to have perked up a bit but is obviously suffering from some sort of separation anxiety. When I put food down he will eat it as long as I stay nearby. If I go into another room he comes and cries pitifully until I take him back to his food and then he will tuck in again. Weird or what?
    Originally posted by dreaming
    Hope Alfie gets well soon .
    Regarding the storage issue . I think it's wise to,keep everything there while I paint the whole flat . Plus, I'll have about another month which I've paid for in advance in my present flat .
    I know what furniture I have etc. It's just mattress / bed etc and window stuff( blinds etc )

    There were young kids/ babies when the place was let out .

    Regarding the certificates . The electrics mentioned earlier are from an n I c E i c domestic installer .
    'The work this certificate covers code 2 defects highlighted in the electrical installation condition report (e I c r cert no:,014034188 carried out on the 25/10 16. The electrical installation is satisfactory and safe for continued use .'

    I could bring another electrician in to do a full inspection .
    TBH , I'm probably worrying too much and if the faults are fixed, then I should stop going on and just get on with it .
    • harz99
    • By harz99 11th Mar 17, 7:44 AM
    • 2,392 Posts
    • 2,320 Thanks
    harz99
    Sorry AC. Clear as mud.......and it sounds like very little work for 3k .....

    I still don't know what you mean about "pvc protecting the wires".
    Originally posted by lessonlearned

    I am guessing the reference is to PVC encased cables rather than the old black rubber encased. Now whilst I'm not an electrician, from this link I would be more concerned as to whether the earth wire was solid green or green and yellow.


    Solid green indicates wiring over 40 years old ie. pre 1977, and that would be approaching the end of it's life expectancy.


    https://www.electriciancourses4u.co.uk/useful-resources/history-of-wiring-colours-cable-sheathing-bs7671/
    • harz99
    • By harz99 11th Mar 17, 7:49 AM
    • 2,392 Posts
    • 2,320 Thanks
    harz99
    AC, what was the outcome of the discussion between your surveyor and the gas engineer, I don't think you've said?


    See also my post above re electrics.


    As to the one bed - forgetting the price, did you really like it, ie. more than the Kingsbridge flat? If not put it out of your mind completely.
    • lessonlearned
    • By lessonlearned 11th Mar 17, 8:50 AM
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    lessonlearned
    Thanks for that link Harz.
    • another casualty
    • By another casualty 11th Mar 17, 12:17 PM
    • 2,363 Posts
    • 3,583 Thanks
    another casualty
    Okay, I phoned up,the electrician that did the job.
    Some could say that's wrong . To cut a long story short, I've had reassurance from him . This means that , I'm going ahead with the purchase . Final answer.
    Regarding the surveyor : he couldn't track down the gas engineer .
    No problem .

    The way I see things : I have documentation about everything related to the flat . All the issues and concerns have been dealt with.
    When I actually really need a new boiler , I could discuss possible relocation . If I'm not gonna sell, then it won't really be an issue as I would've lived there x amount of years anyway .
    The leaseholders ( there are 7) , have a sinking fund. Discussions are raised as and when . The arrangement seems a lot better than the place I used to,live in where everyone was clueless as to how to get things done .
    The seller had tenants with kids running around etc. They had bunk beds in that room where the boiler is . They're still alive as far as I know .
    So, this part of the jigsaw seems to be coming to an end .
    By the end of the month, I would have purchased the flat .

    I did look at the other flat . I liked it . Tbh, it's at the top end of budget for a one bedroom . No service charges was very temting . In the end , I think I've made the right decision
    Last edited by another casualty; 11-03-2017 at 12:20 PM.
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