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Communal stair cleaning bill
I live in a flat with a communal stairwell where I am a tenant in Scotland. There is a man who comes round and cleans the stairs. He has put a bill through our door for doing so. As neither I nor my flatmates have never made any agreement or had any discussion with this man that he cleans the stair do we legally have to…
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Unfurnished or furnished!!!
Today, i signed a ast for flat, which i presumed was furnished (as was advertised and shown)~, took the keys, and was greatly surprised when i walked in to find no funiture. According to the landlord they always had instructions on paper for a unfurnished property. The letting agents had closed offices by then, now i have…
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Question Of The Week: First time buyer stamp duty from Feb 2010
Q. I recently purchased a flat at £144,000 on Febuary 12th 2010, we're both first time buyers. I paid 1% stamp duty and now Alistair Darling has changed the threshold and I feel I've missed out! Can I appeal? Sharron Martin's A: I've received quite a few like this - and I'm afraid the answer is no. In the budget the…
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What is "Second title number ??"
My conveyancers have written to me saying that there is an additional charge of 125 pounds on my conveyancing for a "second title number" I have searched a few threads here. It turns out that although I am buying a freehold house my garage is leasehold. Is it this or something else, please enlighten me :o
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Local searches vs Indemnity Insurance
Good evening! We are FTBs in the process of purchasing a house and the solicitor sent us a letter today stating the following: "...I have received the HIP from your sellers and note that the searches are more than 6 months old and therefore I would strongly recommend that we obtain an update local search to ensure that…
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William H Brown 100 cashback scam!!!
Hi I really need some help!! we have brought our first home through william h brown and were offered a mtg through them on the 1000 cash back scheme, we were also offered one through another bank same rate same price everything. but our "adviser" at william h brown said we would be better taking hers as the 1000 cash back…
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Sell, Let Out, Save....Dilema
Firstly, hello all. This is a long one so please bear with me :( My wife and I have a dilemma.... We have a 2 year old daughter and like every other parent here, we want to get her off to a good start in life. This, to us, involves moving to an area with a good primary/high school catchment....My wife is a teacher so has…
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Difference between ARB and RIBA Architects?
I understand every Architect needs to register with ARB and some also register with RIBA. Please explain the difference between the two? Are RIBA Architects more experienced and have additional qualifications, and charge higher fees? Looking for Home Extensions Architect. Thanks
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Subsidence and the dead deal
I'm currently engaged in a part exchange deal with Barratts, and to cut a long story short - everything that could go wrong, has! 5 months down the line and we still haven't exchanged contracts. The final (please god) issue has arisen due to subsidence claims against my property by previous owners in the 1980's. 3 claims…
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Buying abroad and the Euro
Hi we are looking to buy in France, What do you all think about the xchange rate. Will we get back to 1.40 or 1.50 to the pound? What do you think is the best we cn expect? Ta
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Freehold garden flat - mortgage problems
Wonder if anyone could advise me? My boyfriend and I want to buy a flat together and we are first time buyers, so need to arrange a mortgage. We have found a garden flat that we like, that is part of a house with a further flat above it. Unusually though, the property is for sale with the freehold. At first we thought this…
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The One Account
Anyone any experience of this mortgage offsetting account good or bad???
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Gift/Loan to cover moving costs
Hi all I wondered if anyone can help. Myself and my wife are looking to move in the next few months. We have equity in our home and a lump sum to make the deposit reasonable, although not up to the level to get the most competitive deals on the market. My mother has offered to cover the moving costs (stamp duty, removals,…
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URGENT HELP needed on this please!
Afternoon all, Well, after what was turning into a nice Easter Weekend rapidly became otherwise with the arrival of a letter from a solicitor saying we are to pay quite a substantial amount of money within the next 14 days. The hubby and I own a flat in a new build estate, because of the estate we are required to pay…
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Selling house : 30 viewing's in 3.5 months & no offers
Hello there, We have had our house on the market for 3.5 months and we are yet to have an offer, which in this climte im sure we can expect, but after 30 viewing's ? not too sure what we are doing wrong or just bad bad luck. Our house was valued by 2 estate agents, one was higher than the other, so hence we went with the…
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Quick Question : Landlord disputing deposit
Hi there Just got a rare curt text off our ex-private landlord saying 'disappointed by the state you left the flat in and will have to hire a professional cleaner to render the flat to an acceptable state' Not what I find curious is that I actually forked out for professional cleaners once we left, bought (and left) the…
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Bank reference
Hi guys, some guidance required. I have applied for a mortgage, have got through the credit checks no problem and am not borrowing a large mulitple of my earnings (2.5x). My only concern now is that the bank might give me a reference that would put off the lender. At present I use my authorised overdraft every month, but…
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taking house off the market and being charged??
help!! took my house off the market an offer had been excepted but i took it down 1 wk later, no soliceters were put in place or surveys done. today i recieved a bill from the estate agents asking for £978.00 for selling the property??? do i really have to pay this much for nothing??
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HELP - advice needed, renting with bad credit...
Hi guys, wondering if anyone can offer me any advice, i have rented for years with several diff estate agents and have NEVER missed a payment ( im on housing benefit which makes it easier in this dept ). However when my little girl was sick for a long time i had to give up work which meant not paying the £215 a month loan…
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help on rental exit-inspection items
My tenancy terminated on 28/2 and there was an exit-inspection check-out report produced on 6/3 to which the landlord responded on 13/3.I have attended to all the action points raised by the landlord, as confirmed by a re-inspection check-out report (dated 31/3). However the landlord has today asked me to attend to two…
