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Charge on Property
Hello. I am asking this question on behalf of a friend. Someone owes him money and my friend has put a charge on the property. Now this person is willing to sell the property to my friend. Can my friend go to the bank and say I want a loan but the equity required is already in the property. Would it be possible to obtain a…
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Where's best to move too??
I know there will be different opinions on this but I'm just looking for a bit of an idea. We are looking to move from Manchester to anywhere really, Preferably nearer Cornwall as thats where DP works, but a commute doesn't bother him as he's been staying/working down there 5 days a week for quite a few years. We want…
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Tenancy, Bailiffs and Deposit advice wanted !!!
Hello. I made a thread recently about a few issues with my agent regarding benefits and got some helpful advice, thanks to all who contributed. Well, the situation is this. Recently we have been getting threats from bailiffs due to an outstanding debt, which our agent has assured us would be sorted out. Which it appears it…
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Title Restrictions - Help!!!
There is a restriction on the property i am trying to purchase??? it reads- 'No disposition by a sole proprietor of the land (not being a trust corporation) under which capital money arises is to be registered except under an order of the registrar or of the Court.' Any help or advice would be much appreciated as i dont…
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Neighbour's balcony/our ceiling..
Bear with me.. We live in a ground floor flat and our upstairs neighbour's balcony forms part of our bedroom ceiling. We've noticed, on the edge of the balcony where it meets the top of our ceiling, the felt has failed and is peeling off - meaning we're (potentially) one major downpour from a leak through to our ceiling.…
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First time buyer - advice needed
I have recently had an offer accepted on a house I like but could do with some advice as to what I do next as feel completley out of my depth! My mortgage application is going through and I have appointed a solicitor. The house was originally on the market for £130,000, when I first viewed it it was on for £120,000 and by…
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BM Solutions timescales/are they strict?
Hello, my buyer is using BM Solutions as she is buying our property to let it out. I just had a couple of questions for those who have used BM Solutions before. Obviously I know that timescales vary from person to person but was wondering: How quickly do they send the mortgage offer after a valuation? How strict are they…
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What offer should we make?
We've seen a lovely house that is in need of modernisation (knock through to make kitchen-diner, new bathroom, new carpets, decoration etc + possible re-wire). The house is up for £140,000 and similar houses in the street are selling for around £155,000 (I'm guessing with no work to be done but can't be sure). According to…
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Landlord wants cheques for TDS but doesn't actually go through the official service
Landlord wants a cheque, made out to the TDS. But she says she never uses the service because of all the hassle/forms, so will just hold on to the cheques. I don't see a problem with this personally, but is there something in this I should beware of?
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Housing Benefit Overlap - Help
Hi All, Firstly I should say that I have physical disabilities - rheumatoid arthritis - that affects all my joints. From last November until 14th May I was in an unfortunate situation where I was living in a 1-room bedsit in a homeless unit in my local authority with a priority application for a one-bedroom flat. I was…
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Reasonable Request - Fix Driveway before Exchange
I viewed a house last month and, after one viewing, put in an offer. Now, prior to exchange, based on the experiences of some on this forum, I've requested a second viewing. I now notice that the manholes in the driveway are raised and dangerous (due to the tarmac appearing to have dropped since it was layed). I didn't…
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A bit of a rant..
We currently rent a 5 bedroom 3 storey house. My gas bill for less than 6 months was £819 so my monthly DD has gone upto £97. We have decided that we would like to move and downsize to try and reduce the bills. We have 5 children, 2 girls aged 7 and 5 and 3 boys aged 4, 2 and 8 months. We only use 3 bedrooms in our current…
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Money saving advice for moving in after completion
So.... after many years I willo soon be a home owner. completing on Friday I hope. I know who supplies the gas and electric currently (it is a vacant property) so when I move in I will give them a meter reading - then I presume they will put me onto a standard charge tariff? (its southern energy btw). As I understand it…
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New build PX
We have put a reservation fee down on a new build home with Persimmon. We are doing a part exchange with them with their part exchange plus programme which means they have offered us a figure for our flat and will market it at a lower cost and they will make up the difference in cost. Obviously our flat has to sell for the…
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How do we do this?
Just had an offer accepted on a house which was a bit higher than I wanted but I love the house and location but....the vendor lost a sale last year as they didn't move fast enough. My buyers survey is being done for my property today so how do I handle this to motivate my vendor into moving quickly. They don't have a…
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notice to quit?????????????????????????
hi all, i signed a short assured tenancy on 13/2/12 for 6 months at which time agent issued me a notice to quit telling me to vacate by 13/8/12. but it also says in lease i need to give to months notice, i was wondering if i move out on 12/8/12 would everything be ok as iv told them in an email intend to do so or do i need…
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Ex threatening to force sale of house...help!
My boyfriend put his ex on the mortgage when the y were together. She paid into the mortgage for that time but hasn't made a payment since they broke up (almost a year ago now). She is now demanding the return of the money she paid in (under 5k) or she says she'll go to court to force the sale of the house. My boyfriend…
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If a house doesn't sell, how realistic is it the owners will make it let-to-buy?
Hello, I am trying to buy a house. I am the only person who has put in an offer (and a reasonable one at that) but it has been rejected. The owners withdrew the house from the market at the same time, after 3 weeks and are deciding whether to let the house, or sell it as a 'let to buy.' How realistic is a let-to-buy? Will…
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Joint Repairs, Semi Detached with Council House
Hi We are currently going through the process of buying a 3 bed semi detached property. We found out that the joing neighbours are council tenants. The house is in need of a lot of modernisation, and our survey has brought up issues with the roof and chimney (pretty much saying replace both!). Therefore, I was wondering…
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Buyer trying it on?
Long story short , we put our house up at 170k, we accepted an offer of 165500 we had 4 competing offers on the table within 3 days of house going up for sale, our estate agents suggested we go with this particular couple despite them not being highest bidder as they were 1st time buyers had a mortgage in place and were…
