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No heating for 6 weeks Housing Association Orbit.
I will apologies in advance I suffer with Dyslexia and PTSD ( affecting memory ) so some things may not convey well but will proof read as best I can. I have requested a subject request also to help better timeline but will also add a couple years ago the house also failed the BTU. On 12th March I reported a problem with…
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Sharing partners/friends and buildings insurance in flats
Hello, I own a leasehold flat and I was checking the block buildings insurance cover. I noticed it had the following term, which I understand to mean that the flat can only be let as an Assured Shorthold Tenancy/Short Assured Tenancy as single units: "It is a condition precedent to the liability of the COMPANY that Flats…
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Selling home - moving into sheltered accomodation
Is CGT due if an elderly person moves into rented sheltered accommodation and sells their home? The house being sold was their only home, is less than 5000sq metres, was never sublet, never bought to make a profit etc.
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Does Airbnb violate your mortgage?
Hi all, I am relatively new chap here and still working my way around. I have had a few searches on this topic, but haven't managed to found a satisfactory answer, so decided to open a new tread. I am currently a leaseholder of a flat with a mortgage with LTV of around 75%. I currently live in the property. After making a…
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Housing Association prices
Hi I’ve recently applied for a house through a local housing authority they had advertised the house and the price on Rightmove and various other sights. I have sent all my details over and paid for my credit check as requested ! Today the housing Association have contacted me to advise that they think they have under…
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First time buyer woes
Hi everyone, I’m very new to MSE and the world of adulting. I bought my first home in September last year and have had problem after problem. I am after some advice from you all if possible. I’ve not got the deed to the property yet and my solicitor has been pretty evasive so far. Finally they have admitted they’ve not…
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No notice of works - renting
Relative lives in a rented flat. The two flats and an attached house are leasehold with one freeholder. The flat relative lives in has an owner who rents it to my relative. I believe this owner only owns her flat, no idea who owns the other two properties, May be the free holder. Anyway my relative has come home tonight to…
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Shared Home fence costs
OK theres a house, it is shared ownerhip with owner and housing agency. for example 50/50 to 75/25 Theres a communal area with an alley running down side of one house, there is a front driveway of the house. There is nothing seperating the communal alleyway from the owners driveway except some different coloured bricks in…
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Capital gains tax on former marital home.
Does anyone understand the way CGT works please. I’m due my 50 % share of the equity on my former marital home. The house has made £120,000 since my ex and I purchased it. I’m due roughly £110,000. I’ve been renting since the split and have no further property and the house was transferred over to my ex husband in 2012.…
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Renegiotators, chipping and other tactics..
I'd like to hear from both sides. What do you find morally acceptable? Is all fair in love and home buying? Have you had it done to yourself and changes chances later in life? I'm currently selling a flat with an agreed price of £245,000. Cash buyers. They had their survey done and found a number of problems, artex ceiling…
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Should I buy in Cippenham Slough
Hey all, So the mrs and I are looking to buy a small house within an hours commute of White City (London). We have seen a few in several areas, but none have really impressed for our budget. We have found some really nice houses that are 20years old, in Cippenham (gervaise close, lilley way, earls lane). Just wondering if…
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New House - New Pole with 11000kVA cables
My wife and I have been looking at new houses. We visited a developer's site yesterday and found a lovely property albeit for the fact that it has a new wooden pole situated about 30 ft into the garden with 2 bright steel stays extending towards the kitchen window. Further investigation has revealed that the original…
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Joint tenants or tenants in common?
I am buying a property with my partner. I am putting in £50k and my dad is gifting us £50k (total £100k deposit). We are applying for the mortgage jointly. We have agreed that in the event we split and sold, that I would get back my deposit amount and the amount my dad gifted (the full £100k) and then we would share any…
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Regulatory Services Objecting to my extension
Hello - looking for some guidance I am having difficulty getting planning permission. Have been back to my architect and amended plans to suit the conservation officer but now the the Regulatory Services are objecting on flooding grounds without any suggestions. Will this mean a refusal? Many thanks
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Transfer of funds to solicitor for completion
We are due to complete this Thursday, 19th April. The solicitor requires the funds in their account by end of 18th April. We have yet to receive a completion statement, as exchange only happened late last week. What is the latest I can do a bank transfer to ensure they have the funds in time? I've just read that the mobile…
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Tenant In Situ: Landlady claiming I need another reference check?
Hi all I've lived in the property for a year (it's a two bed, as a sharer) and the other housemate is moving out, with a new one joining and thus a new tenancy agreement drawn up. My landlady is claiming that the new "Right to Rent" laws mean that even though I'm not moving out, i'm remaining in the property, that I need…
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Party Wall Act agreement query
Hello. Just a Party Wall Act query I am hoping someone can help me with. I am planing a loft conversion, into a Dormer. On one side there is an alleyway and so no pary wall so dont think Party Wall act applies on that that side. On the other side I have an adjoining house and get on well with the neighbour. I was very good…
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Selling a Help to Buy House - options?
I bought an apartment in Lancashire using the Help to Buy equity loan scheme in December 2013, when I was working nearby. I now need to move to Central Manchester as I am working across Manchester, Leeds and Liverpool, and commuting via public transport from the countryside is costing me a lot of time and money. Buying a…
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Buying a second home
Curious to know as couple I know are in this situation. The guy had bought his house prior to getting married the woman had lived with her parents up until then. They are now living in the same house with the house still being in the husband's name. They now want to buy a bigger house and have the means to, the husband…
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Incorrect Service Charge Payments
Hi, I bought a flat about two years ago and have been living in it since. It dawned on me I'm not sure I've ever been billed the service charge. After chasing it up, it turns out that the former owner (a management company) has still been paying the service charge all this time. The management company never told the…
