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accidently went into arranged overdraft
Hi all Hope everyone is well Looking for a bit of advice and hopefully someone to put me at ease! I make quite extensive use of my savings account and put the majority of my salary in there every month, tansferring to my current account on an as needed basis. That means I keep my current acount amount quite sparse. I've…
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Contract on student house
Wondering if anyone had any advice? My son was supposed to be heading back to Uni last month and had signed up for a houseshare with 5 other kids. The contract ran from 1st July 21 to July 22 and we had both signed as I was his (jointly severally liable) guarantor, along with the others. In early June, whilst at home, my…
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Can I live in my uncles house
My 85 year old uncle is in a care home with dementia, I have lasting power of attorney for both financial and health, and am executor of his will. He has willed his house to me when he passed away. My question is can my husband and I live in his house? We have to move out of our rented accommodation, which is a nightmare…
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Conveyancing Process Supervision of Solicitor
We are currently trying to buy a house off-plan and were wondering about how the average town practice would actually go about the work, from a review and supervision side? The process so far has taken over 4 months and the solicitors on both sides have been terrible. I am getting the impression that my solicitor is very…
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Building & Contents Insurance.. what’s the norm?!
I’m hopefully exchanging contracts shortly, so looking at insurances now. I’ve seen quotes for £100, the mortgage broker I used has an arm of the company who deals with insurance and they have quoted £230.. but I have no idea what is expensive / too cheap. About the property: 2 bed, 2 bath, 2 reception rooms, end terrace…
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Help in defining what this information means - Lease
My mother in law passed away this year and the family have inherited the house. The Disabilities Trust own the Freehold and she owned the Leasehold. The Lease has 41 years left on it. We were trying to determine who we are entitled to sell to and they have produced the conditions of the Lease. We have not got a clue or…
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What does all this info in the Lease mean :-(
My mother in law passed away this year and the family have inherited the house. The Disabilities Trust own the Freehold and she owned the Leasehold. The Lease has 41 years left on it. We were trying to determine who we are entitled to sell to and they have produced the conditions of the Lease. We have not got a clue or…
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Private Road
Hi, just looking for advice. My neighbour has started running a business from home, and decided to build a concrete shed on the driveway, which has effectively lost a parking space, but that's not the problem. I live on a very small cul de sac which only has 5 homes on it. The road is private and the neighbour is causing…
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Admin charge for septic tank emptying
Hi. We’ve just been informed that the landlord is taking over organising the emptying of the shared septic tank. This will then have a 10% admin charge billed to us. This doesn’t seem reasonable? I’m happy to pay the cost of emptying. They are also insisting on yearly emptying but from what I’ve read this is new…
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Buying adjacent land
Hi, Not sure if this is the correct forum but wanted to ask if I can and how I buy adjacent land. We have just bought a house and behind it there is a right of way mainly for taking bins out. We are the end house and the land behind stops at our house so we are the only ones who use the right of way behind our garden. Is…
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Where to look for houses not through an agent
I've sold all my homes myself, the ones when younger were word of mouth as the location was (then) a small town. More recently the moment it was apparent I was selling a property I had a messages through friends etc. However I'm wanting to buy now, so the other end of the stick. Where would you start looking? Agents don't…
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Buying New Build Homes: The Good, The Bad and What you might want to know
Hello All, I've written a series of articles based on my own experience of buying 2 new build homes. * 7 things it's worth knowing before you buy a new build home * The best reasons to buy a new build house * The worst things about buying a new build home I've tried to be fair and there are a number of both positives and…
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Freehold purchase
Hi, I recently made enquiries to extend the lease on my property before we sell within the next 5 years. There are currently 89 years left and we pay £10 PA to a housing authority. They also provided the details of the freeholder, so I contacted him last night to enquire about buying the freehold. He's already got back to…
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Letting Agent Wants Me to Sign New Tenancy Agreement
I have been a tenant in an originally unfurnished flat since May 2003. I have been a model tenant (always paid the rent on time, allowed access when required with adequate notice , allowed improvements to be made when needed). Yesterday I got a phonecall asking me to come in and sign a new Tenancy Agreement - they…
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Retaining Soil?
My garden backs onto another garden, however there is a several CM gap underneath the fence that causes the soil to fall into the garden behind that is of a lower ground level than mine. Having discussed this with the developer, this is apparently acceptable despite my neighbour (with a garden at the same level as me) and…
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Opportunity to purchase a headlease
The Treasury has written to me and my neighbour saying the owners of the Headlease dissolved and we can now express interest to buy the headlease. I am confused as i pay ground rent yearly to a completely different company to the one that has dissolved. Can anyone help with these questions: 1. Why am paying ground rent to…
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Listed Building - New whole floor
Hi, I have just bought a small listed 2 bed cottage. One of the rooms on the ground floor has had bad damp and the whole floor needs replacing. Apparently it’s been unlived in for 2 years. There are 2 options in the picture below, please can anyone tell me a rough cost to get either options carried out. I’m in…
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Landlord increasing rent, AGAIN!
The landlord increased our rent last October from £695 to £730 . He now wants to raise the rent again in October by another £170, to a total of £900 per month. Iv'e been told mixed things at work, someone mentioned something about a "Rent Freeze", that is in place until 2022, that a landlord can not increase rent until…
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Can I Rightfully Reduce the Rent I Pay?
Hi all, We moved into our flat a few months ago and things are going pretty well but the management company we have to deal with are awful. At the moment we have a silverfish problem, we find a couple of these in and around one of the bathrooms on an almost daily basis and sometimes we find them as far as the bedrooms and…
