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Dealing with other people's post
Hi, I bought my house just under 3 years ago and when I moved in I was receiving a lot of other people's mail, as the property had previously been rented out. I thought this would just be a short term thing but 33 months later I'm still receiving mail for several individuals at the rate of 3-5 letters per week. At first I…
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Home Insurance: Contents vs Building Insurance
Hi All, I have recently purchased a 1st floor flat in London (leasehold). There are 3 flats in the converted house. I'm looking to take out home insurance. The freeholder has a buildings insurance policy for the whole house. What I need to know is what kind of insurance policy I need to take out. My understanding is that…
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Yet another subsidence question...
Hi, I'm sure you've seen hundreds of these, but anyway... We are looking at purchasing a house. We love the house, know and trust the current owners personally, and are happy with the asking price. The only issue is (and the owners were very open about this from the start), last summer a small crack appeared at the front…
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Valuation and Retention
Hi - I had my buyers mortgage valuation surveyor round today, he asked me a few questions - one relating to the DPC - I said I didn't know and didn't have any paperwork - I am worried I shouldn't have said 'i don't know' and he may now recommend a mortgage retention? The house is priced right for the area and we have…
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Ex Landlord Defaulted Mediation Agreement
Hi all. I recently went through MCOL to get my deposit from a previous landlord. We did the mediation session and agreed for them to pay back in installments. We are in the second of six months of payments now. The landlord was a week late paying the first installment and hasn't yet paid the second - 4 days late now. The…
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Professional Snagging / Builder
Hi, Is it recommended to get someone in (qualified builder / snagging firm) to do a comprehensive snag list as opposed to using an online list, if so i have a few questions: 1. when should the snagging be done, online they recommend before completion so the builders have time to fix it, but will the builders allow someone…
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Moving house during mortgage application
Hi Everyone, I currently have a mortgage application in with Virgin – just waiting for the valuation to be completed next week. Between sending the application and now, I have moved from my rented house back in with parents whilst the sale goes through (tenancy was up for renewal and didn’t want to extend knowing I was…
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Furniture not in inventory: Tenants obligations
I've come to the end of a tenancy and my landlord has told me it is my responsibility to dispose of furniture that's not in the inventory. This is a bed, sofa and bookcase. These items are not mine and were in the property at the start of the tenancy. I didn't think of this when I signed the inventory. Are they right that…
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Question regarding booking in a survey
Last Thursday we paid for a level 2 survey (home buyers report) to be carried out through Halifax. The house was sold through Purple Bricks. I contacted Purple Bricks to ask if an appointment had been made yet to grant access to the surveyor, however I was greeted with "I don't know", told to contact someone else, who is…
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Stamp duty for unmarried couple
Hi all, I have been trawling through the forums with great interest but haven't quite a thread with my scenario and would be very grateful for any advice. I'll keep it concise: I'm buying a flat for £326,000 with my girlfriend. I naively thought I was a first time buyer as per the headlines in 2017 when the relief is in…
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What to expect between exchange and completion?
This sounds like a silly question, but I was wondering if moneysaveds would be so kind enough to give me a summary run down of what happens between exchange and completion, in particular pitfalls I should be aware of. The process leading up to my exchange wasn’t particularly pleasant. I have a conveyancer who doesn’t seem…
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Rights of way and extinguishing
Here is an interesting little story which I feel duty bound to raise We have a house that when we purchased was identified as having a right of way over our garden for our neighbour but our conveyancing firm said it was not an issue and in fact did not mean that the neighbour had a right of way. So we brought it. Now we…
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Best way to travel from Peterborough to Cambridge ?
Hi, Cambridge will be my new place of work soon so I am thinking to rent out a house in Peterborough as it is very affordable around there but I am struggling to find the best and cheap route to commute from Peterborough to Cambridge? Bus route seems to be cheap but LONG (2 hours / one way) and Train route seems to be…
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New Build and Part Exchange
We have part exchanged our existing home with builder to get a new built home from them. The new house is nearly ready and we should expect builder to serve us 10 working day notice to complete. My question is around key handover. Are we supposed to hand over the keys of our part ex house on the same day as taking the keys…
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Management company billing me for a charge from previous owner's ownership
Hi all, I am having some issues with the management company of my flat and hope the experts here can shed some light! The purchase of my flat was completed in October 2017, after which a certain amount of retention was held from the seller to cover any outstanding service charge they may be responsible for. Earlier this…
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Moving 150 miles away... questions!
Hi all, We are planning a move in about 14 months to 150-ish miles away. It will mean finding new schools for the children, new jobs for us, and buying a house. Schools I can cope with, jobs should not be a huge issue, and we will have 6 months worth of savings to give us a cushion and buy us some time. What I need advice…
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Advice on whether to buy this house - flood risk
Hi everyone, would appreciate some advice on how to proceed with our house purchase. We recently had an offer accepted on a lovely house. However, we’ve just had the solicitor’s searches back and it shows that the house is in a high risk flood zone for rivers, significant risk for surface water flooding, and low risk for…
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How much to move?
Good morning all, My partner and I are keen to move from our house soon. We bought the house for £130k in 2014 as first time buyers and similar properties in the street are now selling at approx £180k so we would have a fair amount of equity. The house itself is in good condition, 2 x bed property, 1 x bathroom, decorated…
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Tenancy-end deposit return advice
Hi all, We have moved out from our previous apartment on the 28th of April. 3 days later I have received following email form LA: "Please find attached the checkout report. As you are aware, we are only stakeholders for the deposit therefore any deductions shall need to be discussed between yourself and the tenant…
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Landmark search results high subsidence risk?
Hello, We have received the results of our searches for the property we are buying. Which seem to come from a company called landmark. It says this under groumd hazards: "insurance claims from subsidence A high ratio of valid subsidence claims in the postcode compared the rest of Great Britain. This may indicate a risk of…
