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    • another casualty
    • By another casualty 28th Oct 15, 9:15 PM
    • 841Posts
    • 1,297Thanks
    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
    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




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    Last edited by MSE Andrea; 31-08-2016 at 1:02 PM.
Page 89
    • lessonlearned
    • By lessonlearned 21st Sep 16, 10:46 AM
    • 8,217 Posts
    • 46,332 Thanks
    lessonlearned
    Thanks LL
    So, if I just ask for my boiler to have a yearly service , that should be sufficient ?
    Sorry to sound so dumb
    Originally posted by another casualty
    Sorry are we talking about your onward purchase or the property you are selling.

    I repeat again as a private vendor (as opposed to a landlord) you are under no legal obligation to supply either a gas safety certificate or to have the boiler serviced.

    However, if the boiler has not been serviced within the last twelve months (with documentary evidence to support this) then your purchaser may request that the boiler be serviced as a condition of sale.

    So if you had your boiler serviced but have no proof then you might need to get it serviced again. It all depends on what your buyers want.

    Hope that clarifies the position.

    I find that Nowadays more and more purchasers do like to know that the boiler has been serviced., or at least their solicitors will strongly advise that this is necessary. Especially FTBs.

    Remember that gas and leccy checks are not undertaken by a surveyor. They do not come under the remit of even a full structural survey.

    TBH. Older and more savvy buyers prefer to do their own checks anyway, using their own trusted tradespeople.

    Often the checks undertaken by the vendor are untrustworthy.

    A boiler service report doesn't need to comment or advise whether or not a boiler is on its last legs. So you can have a boiler that has been serviced, is safe and functioning well but that is nearing the end of its working life. (Like the boiler in ds2s house).
    • another casualty
    • By another casualty 21st Sep 16, 12:21 PM
    • 841 Posts
    • 1,297 Thanks
    another casualty
    Sorry are we talking about your onward purchase or the property you are selling.

    I repeat again as a private vendor (as opposed to a landlord) you are under no legal obligation to supply either a gas safety certificate or to have the boiler serviced.

    However, if the boiler has not been serviced within the last twelve months (with documentary evidence to support this) then your purchaser may request that the boiler be serviced as a condition of sale.

    So if you had your boiler serviced but have no proof then you might need to get it serviced again. It all depends on what your buyers want.

    Hope that clarifies the position.

    I find that Nowadays more and more purchasers do like to know that the boiler has been serviced., or at least their solicitors will strongly advise that this is necessary. Especially FTBs.

    Remember that gas and leccy checks are not undertaken by a surveyor. They do not come under the remit of even a full structural survey.

    TBH. Older and more savvy buyers prefer to do their own checks anyway, using their own trusted tradespeople.

    Often the checks undertaken by the vendor are untrustworthy.

    A boiler service report doesn't need to comment or advise whether or not a boiler is on its last legs. So you can have a boiler that has been serviced, is safe and functioning well but that is nearing the end of its working life. (Like the boiler in ds2s house).
    Originally posted by lessonlearned
    Thanks LL
    It was for my home, so I won't do anything now, and expect to be guided by my solicitor
    • lessonlearned
    • By lessonlearned 21st Sep 16, 12:47 PM
    • 8,217 Posts
    • 46,332 Thanks
    lessonlearned
    Thanks LL
    It was for my home, so I won't do anything now, and expect to be guided by my solicitor
    Originally posted by another casualty
    Yes best way forward. They will tell you what you need to do.

    I have booked a viewing for a property on Friday. I also have a few "possibles" that I might view in the next couple of weeks.

    TBH I'm not really in the mood for house hunting at the moment. I am concentrating on my fitness (or rather lack of). I am still going to Physio twice a week and trying to do my "homework exercises". I have also started the 5;2 fasting programme because I really need to get my blood sugar levels down.

    Sounds mad but it's actually all rather time consuming. I am also scheduled to go Barcelona for 2 weeks in November and then of course Christmas is looming so it's trying to cram everything in. I still have some decorating to finish as well.

    Anyway I have also decided I may need to up the house budget so need to release funds from some long term investments before I commit myself to anything.

    Although there's plenty of property on the market I don't really fancy anything that's out there. Well I do but I can't afford what I really fancy.

    I'll just have to bide my time.
    • harz99
    • By harz99 21st Sep 16, 1:39 PM
    • 2,119 Posts
    • 1,746 Thanks
    harz99
    Although there's plenty of property on the market I don't really fancy anything that's out there. Well I do but I can't afford what I really fancy.
    Originally posted by lessonlearned

    I reckon we've all suffered from that particular problem at one time or another LL.
    • another casualty
    • By another casualty 21st Sep 16, 1:45 PM
    • 841 Posts
    • 1,297 Thanks
    another casualty
    Yes best way forward. They will tell you what you need to do.

    I have booked a viewing for a property on Friday. I also have a few "possibles" that I might view in the next couple of weeks.

    TBH I'm not really in the mood for house hunting at the moment. I am concentrating on my fitness (or rather lack of). I am still going to Physio twice a week and trying to do my "homework exercises". I have also started the 5;2 fasting programme because I really need to get my blood sugar levels down.

    Sounds mad but it's actually all rather time consuming. I am also scheduled to go Barcelona for 2 weeks in November and then of course Christmas is looming so it's trying to cram everything in. I still have some decorating to finish as well.

    Anyway I have also decided I may need to up the house budget so need to release funds from some long term investments before I commit myself to anything.

    Although there's plenty of property on the market I don't really fancy anything that's out there. Well I do but I can't afford what I really fancy.

    I'll just have to bide my time.
    Originally posted by lessonlearned
    No doubt , you'll be fit and ready , and won't suffer pain in Spain . ( sorry)
    • lessonlearned
    • By lessonlearned 21st Sep 16, 1:47 PM
    • 8,217 Posts
    • 46,332 Thanks
    lessonlearned
    I reckon we've all suffered from that particular problem at one time or another LL.
    Originally posted by harz99


    Gotcha.!!!

    Do I go for the poncey house that's at the top of my budget and then have nothing left for holidays etc.

    Or do I go for the lesser house and have plenty left for a nice racy little convertible and some fancy holidays.

    Or......do I just pull my finger out, stop messing about and get down to earning some money so I can "have it all"

    Or..........go down the casino and put the lot on red......or maybe black.

    'Cos as sure as hell those premium bonds are a waste of time.

    May as well cash them in and buy a Mercedes. Lol.
    • harz99
    • By harz99 21st Sep 16, 1:57 PM
    • 2,119 Posts
    • 1,746 Thanks
    harz99


    Gotcha.!!!

    Do I go for the poncey house that's at the top of my budget and then have nothing left for holidays etc.

    Or do I go for the lesser house and have plenty left for a nice racy little convertible and some fancy holidays.

    Or......do I just pull my finger out, stop messing about and get down to earning some money so I can "have it all"

    Or..........go down the casino and put the lot on red......or maybe black.

    'Cos as sure as hell those premium bonds are a waste of time.

    May as well cash them in and buy a Mercedes. Lol.
    Originally posted by lessonlearned

    And the winner is ... number 2, come on you know it makes sense!
    • lessonlearned
    • By lessonlearned 21st Sep 16, 1:57 PM
    • 8,217 Posts
    • 46,332 Thanks
    lessonlearned
    AC. Any idea when exchange might be.

    Did you say your buyers they have had their mortgage offer or did I misunderstand.

    Were the lenders happy with the survey or do they want a retention for the fascias etc.
    Last edited by lessonlearned; 21-09-2016 at 2:01 PM.
    • lessonlearned
    • By lessonlearned 21st Sep 16, 2:00 PM
    • 8,217 Posts
    • 46,332 Thanks
    lessonlearned
    And the winner is ... number 2, come on you know it makes sense!
    Originally posted by harz99
    I know but it's playing it safe.

    Where's the fun in that.
    • another casualty
    • By another casualty 21st Sep 16, 3:02 PM
    • 841 Posts
    • 1,297 Thanks
    another casualty
    AC. Any idea when exchange might be.

    Did you say your buyers they have had their mortgage offer or did I misunderstand.

    Were the lenders happy with the survey or do they want a retention for the fascias etc.
    Originally posted by lessonlearned
    Well, when the estate agent from chase Buchanan phone up (last Monday ?) , he said mortgage approved and money in the bank .
    I asked about the survey 'fine '. So, I'm a bit confused TBH Fascia etc. ( not that it takes much ).
    I answered the enquiries to the best of my ability yesterday .
    My solicitor is waiting n anticipation for information pack from property mgt co.as is the buyers solicitor .

    Not really sure what happens next
    • lessonlearned
    • By lessonlearned 21st Sep 16, 3:25 PM
    • 8,217 Posts
    • 46,332 Thanks
    lessonlearned
    If the mortgage is in place then I think it's likely that it's the leasehold pack that's slowing things down. Leasehold properties aren't quite as straightforward as freehold. Solicitors really do have to cross all the t's and dot all the i's to protect their clients.

    Due diligence just takes a longer with leases.
    • Smodlet
    • By Smodlet 21st Sep 16, 6:29 PM
    • 1,404 Posts
    • 2,383 Thanks
    Smodlet
    LL, if you really want to throw money to the four winds of chance, how about throwing some eastwards?

    P.S. Thanks for the back up on that other thread. It is great that we can agree on some things and disagree on others and still be friends; that means a lot to me. Ain't met too many real people in my life but you are one of the few I have met on here. Mila and I are totally opposed on some fundamental issues but still like and respect each other.
    Last edited by Smodlet; 21-09-2016 at 6:33 PM.
    What is this life, if, sweet wordsmith, we have no time to take the pith?

    Every stew starts with the first onion.

    I took it upon myself to investigate a trifle; it had custard, jelly, soggy sponge things...
    • lessonlearned
    • By lessonlearned 21st Sep 16, 6:41 PM
    • 8,217 Posts
    • 46,332 Thanks
    lessonlearned
    No problem my deario.

    I was joking about the casino - although my dearly beloved and I used to indulge in the occasional little flutter.

    (Only a tiny one though).
    • candygirl
    • By candygirl 22nd Sep 16, 12:11 AM
    • 24,988 Posts
    • 99,957 Thanks
    candygirl
    LL, I thought you'd found your perfect pad, or have I misunderstood?
    "You can't stop the waves, but you can learn to surf"

    (Kabat-Zinn 2004)
    • Smodlet
    • By Smodlet 22nd Sep 16, 11:45 AM
    • 1,404 Posts
    • 2,383 Thanks
    Smodlet
    Oi knows it b'ain't moy place t' comment on Mistress LL's serkystances, but there were a problem wi' the gaaaaardnerrr, so there was... or lack o' one, oo-arrr.

    That was my pathetic attempt to sound like Bayleaf, the gardener from the Herbs, Candygirl.
    What is this life, if, sweet wordsmith, we have no time to take the pith?

    Every stew starts with the first onion.

    I took it upon myself to investigate a trifle; it had custard, jelly, soggy sponge things...
    • lessonlearned
    • By lessonlearned 22nd Sep 16, 2:25 PM
    • 8,217 Posts
    • 46,332 Thanks
    lessonlearned
    Hi there....

    Yes Candy.....there was patch of communal garden shared by 19 houses (each house also had its own private garden). it could have been lovely but it was rather neglected. The ea kept fobbing me off about the maintenance so I quizzed the vendor. There was no,proper maintenance agreement in place, just a couple of "volunteers"

    When pressed she admitted she was one of the volunteers together with one neighbour but he had just moved out and had put a tenant in.

    So that would have probably meant I would be the only person interested in keeping the gardens nice. Discretion is the better part of valour.....so I withdrew my offer.

    I note it has .now been taken off the market so yourvguess is as good as mine.

    Hey ho onwards and upwards. Shame because in all other respects I loved it - perfect small city pad but still a house and not a flat.

    I have seen something else but it's right at the top of my budget. It is a bit bigger though with enough space to run a business business from home.. I'm mulling it over.

    I am waiting for some investments to mature (November) and I am off to Barcelona for two weeks at the beginning of November so I might just hang fire till I get back.

    There's no real hurry.
    Last edited by lessonlearned; 22-09-2016 at 2:35 PM.
    • lessonlearned
    • By lessonlearned 22nd Sep 16, 2:33 PM
    • 8,217 Posts
    • 46,332 Thanks
    lessonlearned
    Smodlet.....maybe a little less Capn Poldark for you......... it be catching, it be.

    Although I admit 'e baint be too bad to look at........although My preferred eye candy was Rufus Sewell. (Lord Melbourne in the new Queen Victoria production). But as she has now wedded and bedded Albert it was bye bye Lord M. And bye bye Rufus.

    Won't be worth watching now. Albert is a right wet blanket.....
    • Smodlet
    • By Smodlet 22nd Sep 16, 3:07 PM
    • 1,404 Posts
    • 2,383 Thanks
    Smodlet
    OMG, LL, how did you know I had a Poldark binge t'otherr week-end, oo-arrr? Ross Poldark is posh, 'e don' be a-talkin' loike that, oo-arr.

    Gibbering giblets, where is MuffinTops? Essexese is downright intelligible compared to this.
    What is this life, if, sweet wordsmith, we have no time to take the pith?

    Every stew starts with the first onion.

    I took it upon myself to investigate a trifle; it had custard, jelly, soggy sponge things...
    • candygirl
    • By candygirl 22nd Sep 16, 6:19 PM
    • 24,988 Posts
    • 99,957 Thanks
    candygirl
    Oi gals, hands off Poldark! I need him to trim my bushes with his scythe; ) .
    LL thanks for the update hun , hope you find somewhere soon
    "You can't stop the waves, but you can learn to surf"

    (Kabat-Zinn 2004)
    • Smodlet
    • By Smodlet 22nd Sep 16, 6:24 PM
    • 1,404 Posts
    • 2,383 Thanks
    Smodlet
    If there is a serious sub-text in your post, Candygirl, I can only say I am so glad I'm too innocent to understand it...

    And, I'll have you know, I am not so fickle. For a start, he's too hairy and I am still utterly devoted to Tyr Anasazi... atm.
    What is this life, if, sweet wordsmith, we have no time to take the pith?

    Every stew starts with the first onion.

    I took it upon myself to investigate a trifle; it had custard, jelly, soggy sponge things...
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