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Use of Phone Call Recordings with Ombudsman
Hi there, This forum has always been a godsend to me :) but I've been unable to find an answer to this specific question so far, hoping you can help! Between Aug-Nov 2018 I recorded phone calls with my letting agent (a large london based group) because I was getting concerned that I might have to take them to court. The…
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Stressed out. Ftb being pushed to exchange/complete during lockdown
Hi everyone, I'm a 31yr old first time buyer getting really fed up with the house buying process at the mo. Earlier this year, I was close to buying a dream property unfortunately a lack of building regs and a bad survey meant that it would have been too expensive for me since house was top of my budget. I'm renting at the…
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Transferring the deposit (buying house)
Hi, I have been asked to transfer the deposit on a house to my solicitor by Telegraphic Transfer. I am not sure exactly what this is... I looked it up and I am guessing it is called a CHAPS Payment, is this correct? Thanks.
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Auction House Sale Query
In early February, my wife and I enquired about a house purchase. We were told from the estate agent that the property had been listed with an auction, but had not sold and the vendor was removing it from the auction and selling it directly through the estate agent. We later learnt this is exactly what the vendor did. A…
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First Time Buyer feeling overwhelmed!
Hi all, my first official post though I’ve been following and reading for quite a while! I’m a FTB and just looking for some generic and then specific advice (which I may need another thread for!). Firstly I’ve been looking for a house since the beginning of the year, finally come to the conclusion what I want I will not…
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Mortgage application Guidance Please
I was wondering if someone could help me. I am a first time buyer and I am using a broker for a help to buy purchase. I am considering finding a new broker for the following reasons. My application was declined by Barclays due to affordability however they did a hard search on my credit file and as a result my credit…
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Coronavirus and Foxtons Unbreakabable Rental Clauses
Foxtons have an Early Termination Clause in my rental contract. I am almost half way into a two year contract. I have been made redundant, and wonder if you think this will be enforceable? It says I have to get another tenant in to pay the rest of my lease - 12 months - if I leave early. Is there any protection from or…
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New House Purchase - Restrictive Covenant - Parking/Fences
Good evening all, This is my first time post, so please be gentle. My partner and I were about to sign contracts for our first home purchase, however our solicitor has discovered a number of restrictive covenants on; essentially the front garden of the property; from 1989 when the house was sold by the local council. The…
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Landlord seeking to retain my deposit for new tenants
Hi all, I'll try to keep this brief and factual. Very grateful for your assistance. This is in England. Myself and tenant A were on a joint tenancy from March 2019 for 13 months. It lapsed to a monthly periodic tenancy for the final month. I served notice to end the tenancy altogether, as a backstop in case all else…
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Land registry document wrong
We've been in our Victorian house a while and we have use of a brick built outhouse that lies at the back of next doors garden. The outhouse lies on next doors garden but is semi detached, we access our half via a doorway embedded in our garden wall. Neighbour has just put in a planning application which would demolish the…
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Do I pay stamp duty?
I am a First Time Buyer and buying in England, the home I am purchasing is £300,000, do I pay stamp duty on this? As far as I was aware I shouldn't pay any stamp duty, but my solicitor just sent me an invoice with 'Stamp Duty: £5000' on it. Which is a bit of a shock as I cannot afford this. I assume it's a mistake.... But…
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HELP - New Build on Back filled Old railway cutting/Landfill
Hi Guys, First time here. We are FTB and have just got a feedback on the environmental search reports on our new build (FTB). Mortgage approved, HtB approved. We are sooo in love with this house, it passed the environmental search but the reports states "The property is indicated to lie within an area that could be…
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Mortgage & Dependants
I’ve recently split with my partner with whom I’ve two kids with, I’m currently looking to get a mortgage on a part rent part shared house / apartment (I’m a first time buyer) Me and my partner have split amicably and the children will live with her. There’s no csa involved as I pull my weight. My question is considering…
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House move, getting rid of rubbish?
We are moving house within the next few weeks (we are key workers and need to move for work reasons). With the current situation, does anyone have any idea on how we can dispose of rubbish from our current house as all the recycling centers are closed? We don't have enough rubbish to make it financially viable to hire a…
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Landlord ignoring requests for return of (accidental) overpayment of rent
Hi there, wondering if anyone can give me some advice. Here's my issue: I was given very short notice, last month, that I was to depart my rented property as the landlord was intending to sell the property. I had been renting the property through a rental agency. Luckily, I managed to find another very quickly and departed…
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Access to public alley by side gate
Hi hope you can help my daughter has just bought an ex council house and is currently doing her back garden. The side of her garden has a public cut through/ alley for pedestrians only . Her side fence runs alongside the alley. The question is is she allowed to put in a side gate in her fence panel on her property which…
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Got a (low-ish) offer out of the blue while in lockdown
Someone who viewed our property months ago has just put down an offer on our property. Asking price was 315K and she's offered 290K. Our EA is saying that considering the circumstances we should go for it. NOTE: we previously (before the lockdown) accepted 2 offers of 307, but both fell through. One because of a change in…
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Buying a part-exchange
Does anyone know if properties that have been part exchanged are usually registered to the exchange company prior to resale or not (or possibly time-dependent)?
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House not selling what are my options
Hi I am currently getting divorced and me and my ex have agreed to sell the house but it isn't getting much interest I've fitted a new kitchen, new bath, downlights, decorated through out,my ex got us into a lot of debt and I put the mortgage into an interest only Mortgage the house cost £135000 and its been valued at…
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Help ! Unable to sell flat
I’ve had major problems trying to sell my flat . The buyer was told by all lenders that her mortgage won’t be approved as I have a timber decked floor on my balcony ! Apparently my factor ( I live in Scotland ) and the estate agent knew about this, but both failed to inform me , even though they knew the flat was going on…
