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Restrictive covenants
Hi, Has anyone had any experience of breaching a restrictive covenant (external building within first few years of purchase, installing a Tv dish, parking a commercial van on the estate etc etc) if so what were the repercussions from the developer? I may have breached one of mine unknowingly and worried about the possible…
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Can the freeholder charge us for this???
(posting on behalf of relative) Hi all, I own the leasehold on a ground floor flat, the flat has its own entrance with a path to the car park which holds 8 cars - there are 6 flats. The flat block is a house conversion, it is attached (semi) to another house that the same company converted into a block of 3 cars. 2 of…
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Harassment
Hi, I have a couple renting our house, despite him repeatedly paying his rent either late or not at all, we served a section 21notice purely to take the least line of resistance and get our house back. Within 1 month of serving the notice, he now is trying to sue for damages due to harassment. He (not a solicitor) states…
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Credit Check & Defaulted Accounts
Hi there So I found a thread from 2016 with some info...but we're now in 2020 and I'm wondering what if anything has changed. I have been on a Debt Management Plan for 2 and a bit years and have managed to pay off £10,000 with just 3 more payments to go. I'm going to be looking at renting a new home at the end of the year.…
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How do you find out how much bills will cost?
I've only ever lived in student accommodation where bills were all included with rent. I've been looking to move into a flat and I've viewed a few, they've given me the cost of the rent per month but only an estimate of bills. How do I find out exactly how much the bills will cost as I want to work out how much the total…
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New build nightmare!
Hey, I really need some advice! So we reserved a new build house back in Feb with Persimmon Homes. Our reservation period "officially" ended on 6.3.20. Due to a couple of delays with securing a mortgage the expiry date came and went, but Persimmon were lenient and allowed us to extend the reservation for a few more weeks.…
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New build cash back incentives - confusion
Hello all! I'm in the process of buying my first home and the builder offered a '£5,000 cash back incentive' upon completion, which includes £2,000 towards legal fees and £3,000 cash back. When being shown around the showhome, I was led to believe that this money would be transferred to my solicitor upon completion, so…
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Agent wants fee on tenancy renewal but didn't renew
Hi, Quick advice. Had same tenants for over 8 years now with several tenancy renewals (1 yr , 3yr etc) through agent. Agent has been taking 5% every year. Also took cut from tenant before rules changed. Tenancy agreement ended earlier this year but no contact made from the agent. So I continued the agreement with the…
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Unsure as to 'borrowing more' mortgage limitations
Hi, Wondering if someone can help. Currently have a mortgage with Nationwide on our existing property - we have some equity we were looking to get our hands on to fund purchasing and renovating another house. It WOULDN'T be to let out, but to sell on. We're currently in a fixed mortgage so was looking at the 'borrowing…
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Council Tax help
Hello, I am not sure where to post this, so please move to the relevant forum if this is not appropriate. I own a house which is my main home however I am also married, but we don’t live together. I do spend a lot of time at my husband’s, sometimes weeks at a time, so my husband would like to add me to his council tax…
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Help to buy
Hi im looking for some advice please, I have a house that i have had no financial link too for 10 years but i am named on the mortgage with an ex so legally i own a home.. I am looking to buy a new property and i would like to use help to buy scheme, the house i am listed on the mortgage is for sale but i do not rely on…
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Selling at the moment, are you getting viewings with High st EA?
our house have been for sale since the end of July. We've had 6 viewings in this time, no offers and no 2nd viewings. We've reduced the price and this has still not seen anymore interest. Ea has said they only allowing those proceedable to view. If you're for sale atm are you getting viewings? We're in West mids, 3 bed 6…
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Stamp duty 2nd home surcharge enquiry
Hi,My partner and I are looking to buy a house together. We each currently own a flat separately. We would like to keep my partner's flat in her name, sell my flat and buy a house together. We would have sold both flats to do this but I inherited some money so we thought it would make more financial sense to keep one flat.…
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Council Tax
I have a problem. I have inherited my parents house and probate has been granted. I have received the council tax bill in from the local council where my inherited house is and they are requesting DOUBLE the amount of council tax because I already own my own house, does anyone know what my options are legally. I have not…
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Worried estate agents aren't taking me seriously.
I'm a first time currently looking for a house. On paper I've been looking for about a year and half and I'm worried that estate agents now think I'm not a serious buyer and am wasting their time. I started looking a year and a half ago but had to stop after a couple of months due to family illness/bereavement (I had to…
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Mortgage during our golden years
My wife and I own our house outright (recent valuation £220.000) we are both 73 years young and we want to move. Where we want to move to we would need to pay about £280.000 to get the same quality house. Albeit we have savings we only have £18.000 and we could not afford to pay any monthly sum. We have four children and…
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Is gift money from family taxed?
Hello, I'm not sure this is the right board to ask, but I was wondering if you have to pay tax on gift money from your parents, or what the situation looking like in the UK? My mom lives in a different country, where she is selling a flat. She wants to gift me a portion of the money, so I can put it towards my deposit to…
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Equity Release to Neighbour
Hi, We have a friend and neighbour (within the same house as us) who has stated he wants to approach a bank or lender about equity release. He is over 65 years old and is looking for additional income over and above the pension. I have always been interested in the flat, as a future investment. The neighbour has no…
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Leasehold Extension Fees
An agent for the freeholder has charged us £900 administration fee for extending a lease. This seems excessive to me. I'm going to ask for a breakdown of what this fee entails but has anybody had to pay this large amount and is this the norm? Thanks.
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Is it always this difficult to view houses or is it a Norfolk thing?
We're looking to buy a house around the Norfolk coast area and I'm just finding it a nightmare to actually view properties. I am coming from London, so perhaps it's a different world round here (well I'm sure it is), but I'd be seriously fed up with these estate agents. Rang estate agent on Friday, fully appreciating it…
