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Deposit protection query
I need a bit of advice concerning deposit protection insurance. Our agents have recently added this to our bill (we are landlords not tenants). My husband thinks that because we are not holding the deposit we do not have to insure against losing it. Is he right? In other words it is the agents expense rather than ours.…
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Girlfirend moving in with me - what should I ask for?
Ok, I am 25 years old and have spent almost 3 years saving like crazy for a 20% deposit on a property, much helped by living at home with my parents pretty much rent free. I have now secured a long term fixed rate mortgage and have had an offer accepted on a property. I have a girlfriend who I have been with for over a…
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SDLT form & solicitors charges
Hi, Back in May I started buying a house and got a quote of £887.88 from my solicitors, house fell through at the last just before exchange as these things do. Now I have just received a quote of a new house which I am buying of £977.88, the extra charge of £90.00 being for the completion of SDLT form (or £30.00 if I want…
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Electrical certificate?
We had a fuse box changed and an electric shower installed in 2008. We don't remember being given a certificate, but we may well have lost it. We are now selling the property and we're not sure what to do? I have tried calling the electrician, but the mobile number I had is no longer in use. He was legit! Do we have to get…
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Council Service Charges
What is included in council service charges, all items are itemised that we pay for in our block of 70 flats, we get no service from caretaker the common area and lifts are filthy and he never looks at floors of the block to see if the floors needs cleaning. All he seems to do is wet floor and not clean them he puts a big…
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Property Underpinning/Subsidence
We bought a house a year ago. After completion our solicitors sent us a pack of papers that included a building control certificate for the underpinning done 20 years ago. We were shocked - apart from anything else this is a chalk area where subsidence is unknown. We went to them to find out why we were not told before and…
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Renting first property
I am moving to Newcastle from London very shortly and my girlfriend has been lucky enough to get a job at the first time of asking meaning we are looking to rent somewhere together. It is our first time and I am concerned about the credit checks that will probably need to be carried out. I dont think i have any reason to…
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mortgage lenders for companys
hi all new user im looking for advise on mortgage companys that will lended to a company that is doing buy to lets as i do at the moment have seveal houses with three other people with the deeds and mortgages in my name and dew to family things i now whould like to seel out but the other three would now like them to be put…
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Landlady won't return my deposit, help!
Ok i'll keep it short.. I moved into a flat that cost £500 Pcm, i paid up front, 1 months rent and £500 security deposit, gave 1 months notice as requested in the TA to move out, throught my 6 years at the place, i never fell behind with rent and always informed her of any problems, water leaking etc.. .. 22nd July, i met…
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Work Required from home buyers report - lower asking price?
Hi, Ive got a house offer accepted and just got the home buyers report back. From the report there's a few things which require urgent work doing, when means more money. Is it unreasonable, now knowing the amount of work required I ask the seller to lower the asking price to compensate the work required?
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Inspection of rented property
We have been in our current property since May 2007, which is managed by a letting agent. Up until about a year ago, they only inspected the house once a year but then suddenly started requesting inspections every three months, which I've found quite strange. When I've queried it with them, I've been told it's a new policy…
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Small Claims Court: Landlady
Hi All, My landlady withheld my deposit as she believed that I had broken some bathroom tiles. But there had been several other tenants in the property since I had moved in, so I thought it unfair of her to blame me just because she thought I was a clumsy person and she also has no proof (I did not break it). Six months…
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living off overdraft-will this prevent me getting a flat?
Basically I left uni a year ago and have been overdrawn for the last 4 years, awful I know! ive seen a lovely flat but they want to see bank statements , i think they r quite strict on refs because the people who wanted the flat before didn't get it because their references weren't good enough...is the fact that im…
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Unaccompanied viewing damage - who's liable?
I have moved ~ 100 mls away and selling my now empty house with Reeds Rains who at the time I thought were more likely to sell quickly being the nearest/biggest agent [tho they charge a fixed fee 1800+vat for my 100k house]. After having almost to rewrite the brochure for them as it contained so many typos, inaccuracies…
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Vendor not present at viewing
Friend of mine went to view a house today. The estate agent showed him around and told him that the vendors had gone out as they did not want to be present when viewings were taking place. The EA was asked why the vendors were selling and said he did not know why. He was asked what the neighbours were like; and said he did…
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1 person mortgage, moving and adding 2nd person...
Hi, most of the information and tips seem to be for first time buyers - * my girlfriend has a mortgage of around 50k on a flat worth 150k * she wants to sell and use about 50k as a deposit on a house and have the mortgage on this house with me Does this mean that she just pays off her mortgage and then starts a fresh one…
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Conveyancing - Sign up/Exchange/Completion
I thought I have finally figured out the mystery behind exchange and completion when my solicitor emailed today saying she is looking to arrange a date so I can visit her and sign up. I asked if she means exchange but she says "No, the signing just gets me ready to exchange, exchange of contracts is done over the telephone…
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Problems with queries on a leasehold house,
Hi, We are currently in the process of purchasing a part ex'd leasehold house, things were fine until recently when we realised they just arn't answers our solicitors queries in full, they have been waiting months for some, though when the EA has spoken to the part ex person they are saying they have answered them only our…
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Nearly three months now, still not exchanged!
The buyer viewed our property on 4th June and said they wanted to buy on that day. Since then the estate agents, and the buyers solicitors are taking ages and we have still not exchanged. I'm not buying anywhere else and there is no chain. The estate agents selling contract was for 12 weeks which will run out this thursday…
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Darien House clapham junction.... Anyone know what the area is like?
seems to be sorrounded by tower blocks tho so was wondering if anyone is aware of the area or nearby ? *edit* Turns out this is on the winstanley estate which appears was / is a massive drug selling location...... Would it be worthwhile to call the local police station to ask about their knowledge of the place?
