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Deposit Protection Scheme / ADR
Hello all, I have been a tenant in a property for 12 months and it has came to point where the landlord is attempting to make deductions from the deposit for items/damages which were stipulated in an email at the beginning of the tenancy (with numerous photos), roughly 3-4 days after we moved in. He had claimed he was…
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NBM Conveyancing SOLICITORS
DONT NOT USE THEM FOR YOUR PURCHASE. Very poor communication and unprofessional service. I bought the flat in MAY 2014 nad have been chasing them for more than 8 months and the registry is still not there . Horrible experience and they look cheap but will ocme with new charges for every small thing. Better pay more than go…
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Freehold and land registry
Hello, I'm new here so please go easy on me! I'm currently in the middle of buying a house. Our offer was accepted in September, however the process was complicated by there only being 53 years on the lease. The vendor offered to extend the lease before we purchased it, but after discussion it was decided he would purchase…
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Mortgage query - post divorce
Hi, My husband and his ex-wife divorced about 10 years ago. They have a daughter. His ex-wife remarried about eight years ago, and my husband married me three years ago. My husband's ex-wife managed the divorce, paying all costs, and they had informal amicable agreements covering everything. My husband believed he was no…
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Mortgage owned home or new flat
I am buying a flat in London. I own my own home elsewhere in the country and my husband will still live in it and I will come home at weekends. Should I take out the mortgage on my house (mortgage fully paid off) or on the flat.i have heard that if I use my owned house then I won't need to pay capital gains tax. But if I…
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Lodger agreement - Tenant Issues
Hi, I am a lodger, and I want to leave. We had 3 months fixed term which is ending at the end of this month. Our contract clearly says that I have to stay 3 months, and 1 month notice after that. the exact wording is : "The lodger is going to pay 3 months of rent before 31st of October 2014. The next payment is going to be…
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Unexpected leasehold problem - advice requested
Hi, I own a flat in a building of 7 (converted 1830's property) which I also live in. This is a leasehold property. Recently the sale of the flat next door fell through at the last minute - due to a problem with the lease. The owners solicitor has looked into it and his findings and suggested course of action is shown…
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DPS Scheme question
Hi I have asked a letting agent to transfer one of my tenants deposits into my DPS account, as I am not sure they will re issue the PI when the AST moves to a periodic.,( not even sure they know they have to) Do I need to inform the tenant of the transfer to my account from the letting agents? Tried DPS on Fri, told to…
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When buying a house is it normal too....
Worry that your doing the right thing? Worry that your job isnt safe (potentially unjustified), and wanting to look for a new challenge elsewhere? Worry that ill health might be a problem, and the insurance company wont cover it? Worry that buying will tie us down when we feel like we dont know where we want to settle?…
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Surveyor missed 'movement'
Hi all, Long time reader but first actual post. I recently bought a 1960s semi-detached house in Sussex for £250k (paying full asking price) and commissioned a surveyor to conduct a homebuyers report. The report noted a few things but made no mention of any cracks, movement or subsidence. After moving in we noticed a crack…
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how long did you wait for mortgage in principle?
How long did you wait for mortgage in principal offers? Been waiting a week for our broker to get back to us with offers? We are eager to start looking at properties but need a rough guide on how much we will be lent.
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What is Tithe rent charge?
Title register shows property (the land on which it is built) is liable for Tithe rent charge. What exactly is this? My Google search says it was abolished in 1998. My solicitor has already asked for clarification to sellers solicitor.
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Council Tax
Hi, just a quick query regarding how Council Tax bands are calculated. I always assumed they were just based on the size and market value of your property? However,I recently inquired about a small 1 bed flat that is on the market for £95k and was told by the E.A. that it's a band C. When I questioned this the agent just…
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2 weeks on the market and no viewings!! is it time to worry?
Hi there, As the title suggests we recently put our house on the market 2 weeks ago and we've had no viewings! I wasn't expecting to be inundated with requests but I was hopeful of a couple. The property is on rightmove: The postcode is ln24zb priced £179950 (unfortunately as a new member I can't post any link yet) And in…
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How to increase no of viewers
House has been on the market just over 3 months, but only had two viewings. Went with current agent as 4 properties similar to mine were sold with same agent last year. Link is below: http://www.rightmove.co.uk/property-for-sale/property-32482707.html Agent doesn't seem to do much to promote the properties on their books.…
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Taxation or not on Grandparents gift?
Hi, please help. My Grandparents live abroad & want to come back to the UK. If they gift me the deposit for a buy to let mortgage, then they live in the house I buy, will I have to pay tax? Would it be better if they gave it as a loan? What is the best way to do this? Any help would be much appreciated thanks. ER0108
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Can I delay exchange due to damage?
I have just been informed by voicemail that there is roof damage to a property I am buying. I was supposed to exchange on Friday and so haven't sent the deposit etc to Solicitors yet (was going to do that Monday). The property is in a tenement so is covered by the building insurance through the factors. Although the EA on…
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Pestered for Debt as a Guarantor from Letting Agent
It's a long story so I will try and keep it brief. We acted as a Guarantor for our friend's daughter. She was given a section 21 but the council advised her that if she moved out they would not help her with accommodation & the council phoned the letting agents & said they would have to get a court appointed bailiff to…
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Chancel Repair Liability - a few quick questions
Evening all, In the process of buying our first property and it is located directly opposite a church, so would more than likely be affected by CRL. I've read the insurance fees involved are relatively small, however I have a few questions that I would appreciate any assistance with before proceeding with conveyancing…
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Right to Buy
We are looking into buying our council property. Just wanted to know people's experiences as we are hoping to buy and then extend straight away as we need the space. So we understand we will have our mortgage, how do we then get the extra monies to fund the extension does this get added to our mortgage? Any help much…
