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Rental Deposit Nightmare - Any Ideas?
Hello all! I'm a newbie here so treat me kindly :j I have an issue with my old landlord who is currently holding my deposit (in a protected scheme). My wife and I handed the keys over, the letting agent on behalf of the landlord took the keys and they said they wanted to take £150 off the deposit for works within the flat,…
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Retention On Mortgage Until Lead Water Pipe Replaced
Hi Everyone As subject line really. Received the mortgage offer from the lender, and they are intending withholding a retention of £1.5k until the lead water supply pipe is replaced (From stop !!!! to tap, so our responsibility). This is based on the surveyors report which just says, "lead water pipe needs replacing" and…
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Solicitors Failure to Remove Restriction on Title Deed
Evening all, Hopefully someone will be able to offer some advice on the situation my wife & I currently find ourselves in. We are currently in the process of buying our second home, so have now entered the even more stressful world of buying & selling a house rather than just buying. We are due to exchange contracts…
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New Freeholder Owner - Potentially Dodgy Company
Hello, I’m in the process of buying a leasehold flat. I was under the impression that this was owned by Telford Homes although today I found out that the freehold was sold to Adriatic Land who use a company called Home Ground to collect the ground rent. Having checked the internet it appears that Home Ground are a fairly…
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Self Build in Huddersfield Village
Hi My wife and I are about to move house with half an eye on saving up / making over payments over the next 5-6 years so we have a decent lump of money to buy some land and build our own house. We are moving into a new build property as it is good schools etc for our daughter and because the local developer who built the…
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Probate Office asking for 200 signatures
Hello, I'm in the process of buying a property (probate) the proceeds of which are being split 50/50 between a relative and a charity. The Probate Office are asking for all 200 signatures of every board member of the charity - each in writing, not a response to an email or fax. Has anyone ever experienced this? It seems it…
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Is this petty?
When we moved into our rented house it had white good included. The washing machine however was really old and smelly so we suggested we use our own. Then the fridge / freezer broke after a few months so again rather than wait for a repair we used our own. Neither of them were purchased specially, we had them anyway. Now…
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Landlords Post Coming To House
My landlords post comes to the house that I rent and there's a lot of it. I noticed when I accidentally opened something thinking it was mine. He gets letters from the pensions regulator to a business he has registered here and a lot of the envelopes look like they're from debt collectors. I have been marking them "return…
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Right to Buy - Unethical/Sinister change?
Hi I was using right to buy calculator righttobuy.gov.uk/right-to-buy-calculator and have noticed that they have switched off auto-calculation for 'Insert an estimated value of your property'. When I spoke to them they said now you have to enter the value of the property you are trying to buy, which is based on the market…
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Lender won't release mortgage until work carried out!
Help! Very stressed FTB. Post Officmmortgage company have said today that they won't release ANY of the mortgage until 2k worth of work is carried out. What do we do? I thought they would place a retainer on it and we could renegotiate the price! Unfortunately, they won't lend at all. The issues aren't even major or…
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Mine shafts within 20m
Hello everyone, I am in the very stressful buying process as a FTB and I need honest advice from all members! I will try to explain the process step by step: 1- Agreed on 205,000 over purple bricks (PB) for a 3 bed detached in Middleton LS10 / Leeds 2- Turned out PB inflated the price as valuation came as just 190,000 3- I…
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Mortgage deed - can bank employee witness?
My solicitor tells me they have sent the mortgage deed by post today. I need my signature witnessed by someone independent. Issue is, I've just moved to a new area, where the only people I know are related to me. Left my old job last week and don't start my new one for a few weeks. Short of asking some random person on the…
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Tax implications for renting out house
Will try to give as much detail as I can. My mother in law who is 66 owns a 3 bedroom house in Berkshire. Mortgage was paid off about 4 years ago. Her brother lives a few roads away also in a 3 bed house that is mortgage free. The brother is selling his house and buying a 2 bedroom bungalow in a different area of the…
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Risks of buying a non standard construction (concrete & steel)
Can anyone advise me on potential risks with non-standard constructions? I have a viewing on a concrete and steel ex council house in Leeds in a couple of days which is on the market for £130k (smaller brick houses across the road selling for £160k) There have been no recent sales in that area on these type of houses for…
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What to do with proceeds of the sale of my Home?
HI All, my first post and perhaps it will be my most important. I have placed my house on the market with a view to moving to a different area. I want to rent a place for 12 months to make sure it's the correct move for me. I will have circa £270k from the sale after the mortgage and sale costs are paid. I want to rent for…
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Transferring deposit to solicitor
Today is the day I empty my bank account :eek: I've realised that there is no account number on my completion statement, just a reference number. My solicitor has told me to take this into the bank and they'll know what to do. Is this standard?
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Debtor traced, pre-action sent, what next?
I received a judgement for £8000+ back in November 2016. This is regarding a former tenant. My solicitors traced him and sent a "pre-action" letter with no response. I would now like to take this further but my relationship with the solicitor has broken down. What should be my next step? The solicitor has never provided me…
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Buying a house, splitting garden, then reselling
Hi, I am interested in buying a house which has a garden which runs down the back of my home. The plan would be to effectively cut the garden in half, giving me a garden and then reselling the house and what's left of the garden immediately. Can anyone tell me what authorities I would need to contact to do this please, and…
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First mortgage
Hi Finally in a position to buy our first home, we have the deposit, are now debt free and have a mortgage agreed in principle. I am interested to hear what people suggest we go for as total novices? I like the idea of a fixed mortgage as I am keen on knowing what I will pay regardless of what happens to the markets. With…
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Deposit wording in contract
Hi, first time poster. I'm currently awaiting the return of my deposit from a tenancy that ended on the 30th June. Below is an extract from the contract and seeing as the landlord has not informed me he wishes to make any deductions I should be entitled to the entire deposit without any deductions. Is my understanding…
