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Renting with an old CCJ on credit file
Hi guys, I'm wondering if anybody can help me. I have a CCJ (£2.1k) on my credit file from September 2017 (This was paid around march last year) and is market as satisfied. I've been living abroad since 2016 and am moving back to the UK in a couple of weeks. Is it likely I'll have trouble renting a place with this on my…
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Off road parking
Hi guys and gals , I’m in the process of buying an ex council house that has off road parking for three vehicles and a lowered kerb that’s been established since pre 1997 . My conveyancer has told me the parking does not show on the property deeds and there is no permission granted for the council for said parking .I have…
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Lender Reporting
Hi All, We are in the process of buying a property we had a mortgage offer and we are at the final stages. During the process we discovered Japanese knotweed at the property. The seller has since paid for an insurance backed treatment plan with a guaranty. These have been provided to the solicitor who have reported this to…
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Moving from fixed to periodic tenancy, do not agree with rent increase, how will it play out?
The fixed tenancy will end at the start of October, landlord proposes a rent increase. Tenant does not agree and intends to stay on a periodic tenancy at the current rent. Tenant is going to buy a property in next 4 months and move out. What happens if tenant stays on periodic tenancy and does not agree to a rent increase?…
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House
You've got it in one - you're being petty. Only those with the wealth who desire to protect it by legal agreement or marriage settlement would think of stooping so low as to expect their life-long partner or spouse to abide by its terms to keep the relationship going. Money isn't everything in a relationship, but evidently…
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Gambling
Hi I am currently applying for council housing and they have asked for my bank statements they will see i have gambled my wages, will they still help me? Will this affect it?
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Mum's about to become homeless - what can we do?
Hi all, Bit of a background - my mum and her partner have been together for a few years now, she moved in with him back in 2018 but he is now extremely ill and will not make it through the coming weeks. She stupidly sold her house (against mine/sisters advice) and has only come out with about £68,000. She is 64 and hasn't…
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Mortgage denial
Martin’s money tipsOur daughter is selling a flat in South London. It is a 1920s end of terrace first floor 2 bed, next door on ground level is a pizza shop. She bought it 5 years ago for £225K with a standard mortgage from NatWest without any issues being raised.She has had the flat on the market for some 12 months and…
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Shared ownership - dictated time to complete
I am very aware of how un-ideal shared ownership is, but unfortunately due to tricky circumstances I am selling a property and applying for shared ownership as an alternative to renting. One property I am looking at has just tried to cancel a viewing due to the flat I'm selling only just being under offer (so we are…
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No safety glass issue found on survey
Hi everyone, We have recently had a HomeBuyers survey back on a top floor flat that we're in the process of buying. This issue was flagged as something that needed sorting out: "There is glazing to the reception room and rear bedroom that is lower than 800mm from floor level. If
someone were to fall against the window, it…
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Stamp Duty Query
Hi, Can anyone shed some light on my query? I already own own 1/5th of a house property valued at 250K I am about to purchase the remainder of the house with my girlfriend at shared value of 100K each through a mortgage. If i'm a first time buyer and part-owner of the property already and my girlfriend is a an existing…
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Shared ownership
I’m in the process of buying a shared ownership property the solicitors are now stalling because the title deeds are not registered but all other plots reserved the same time have moved in can the developer pull out because of this I’m doing everything I can I’m at my wits end
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Landlord wants to take down shed
Moved into a rental 9 months ago. After moving in, noticed the shed roof had a large hole on one side. Landlord had left equipment to repair and said I could do it myself or they can remove the shed. I let it go with the view of repairing further down the line, but I didn't say anything or agree anything with the Landlord.…
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Trouble leaving a joint tenancy, any advice appreciated
Afternoon all, First, just some info about the tenancy I'm currently in: Q1 – Where is the rented property located (England / Wales / Scotland / N Ireland)? England Q2 – What type of Tenancy Agreement (TA) is this e.g. sole tenant / multiple tenant / room only? Joint tenancy for whole property Q3 – What date did current TA…
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Very high remarketing fees
Hi everyone, I am aware that it is legal for lettings agents to ask for remarketing fees when ending a tenancy earlier than originally agreed on. Still, I am shocked by the amount requested by my lettings agent: is £450 in any way reasonable? This is not mentioned in the tenancy agreement at all. Also, the lettings agents…
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House sale proceeds - temporary
Hello We are completing on our property in a couple of weeks and would be grateful for any advice on where to temporarily bank the proceeds of the sale until we buy a new property. The proceeds are £500k. Many thanks!
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Transfer of Equity - Confused!
Hi All, I am looking for a bit of advice on the following: My partner and I have moved in together and are planning on
getting married soon. I have moved into
his house (value 375K he has 100K equity) I have sold my house and have the proceeds
(100K) in a bank account. We are in the process
of doing a transfer of equity…
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Wrong Survey, leaves me with a house that's falling apart. help
Me and my girlfriend recently just bought our first home and got a level two survey on the house, we asked the survey company to concentrate on the house slanting and the cracks, we then got our report through and all was fine no movement. I have had a number of professionals builders look at the house and they all saying…
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Update on "Can seller change the terms of the Land Registry Title?"
This refers to an old thread I posted
a long time ago and which has now been 'closed' by MSE. I'd forgotten to update it as I'd promised to do once resolved.
The house involved wasn't actually for me but for a relative, and I was trying to help
them out. Thank you to AdrianC, davidmcn, tom9980, Carrot007, paddyz,…
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Experiences for how long selling/buying currently takes
Purchase sale agreed with seller (freehold) - 26/09 Flat sale agreed with my buyer - 01/09 Hurdles - We need our EWS1 to sell, its due to come back end of Sept - I'm being optimistic that it will provide a B1 or better rating which will enable a sell - Our flat is leasehold, so there are a few packs my solicitor needs to…
