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Approved Inspector not responding
I live in a Victorian conversion. The downstairs neighbour (who also owns one room at my level of the house) is doing extensive building work. A couple of months ago they removed most of the external guttering and pipework. I asked that it be replaced ASAP but they've been fobbing me off. I now have water coming through…
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Survey report points - maintenance jobs?
We arranged a Level 2 survey to be carried out and the report came back very positive; the property is structurally sound and nothing is falling apart or requires urgent, major work. There were a few minor issues and I'm wondering if I would be right in thinking that all the things below are just things we should absorb…
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Share of freehold bought without consent of freeholder?
I live in a shared house with 3 leasehold flats and I and other leaseholder A share the freehold 50/50. The remaining leaseholder B tried to buy the share of freehold twice but was not successful as they changed their mind (and I was not happy to accept their changed request either). I had not been impressed with B's…
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Is it better tax-wise to have all bills included in the rent or bills in the names of the tenants?
Hi all. Hope this is in the right part of the forum. I have a house with 4 bedrooms which I rent out to 4 separate tenants. To date I have been charging a monthly rent that reflects the fact that all the bills are in my name. Last year my income tax bill tripled and I believe this is because HMRC's rules now result in tax…
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Unable to find lodgers, is this a dead period?
Hi, Two weeks ago I published my ad on Spareroom but I've received interest only from unsuitable people (in particular I wrote very clearly "no couples" at the top and at the bottom and guess what "we are a couple searching..."). The price is slightly over the others, but justified given the size, the comforts, the…
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Indemnity insurance for extension & drive
Drive was fitted in 2016. Block paved with a drain running along the end. Should we have had planning permission?? Or is this just for permeable? When we bought the house in 2013, an extension on kitchen was done in 1974. No building regs, we just have a copy of plans stamped by council. ( Our seller got an indemnity…
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Housing Association trying to do a repair and enter property whilst not there and without consent
Hi everyone, I’m hoping someone can offer advice on a situation that’s left me feeling shocked and violated. We live in a housing association property. On 1st July, one of our double-glazed windows suddenly went bang and shattered. We’d reported this window multiple times over the past year—it was visibly dropped in the…
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Boundary issue - vendors backtracking - advice please!
I posted a thread a while back, which might be useful: Changing title plan - boundary issue. — MoneySavingExpert Forum But in short, neighbours nabbed a piece of Land 20 years ago about 2 feet in length and quite narrow. Vendors agreed to cede the land and have the land registry updated to reflect this change. Mortgage…
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Leasehold flat
I own a leasehold flat. The freeholder passed away 6months ago. No one has applied for probate.my lease states freeholder is responsible for house insurance which has run out and not been renewed. all communication with daughter has been jgnored what can I do as without probate I cannot sell my flat.
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Require Right to Manage Advice
Hi everyone, Newbie here asking for desperate advice. I am a Leaseholder, one of four flats. We have a service management company, who are charging us exorbitant charges for hardly any decent service. When any work is done, it's poor & the contractors appointed are 'cowboys'. When I complain, I am always 'Gaslight' that…
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Letting residential property for storage
Hi i have a house converted into two flats. The bottom flat has been rented by an elderly person for the last 15-20 years at a low static rent. The top flat has been empty for a number of years and requires substantial renovation. For the last few years, the elderly lady has been using one of the rooms in the top flat to…
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Welsh water plans wrong, live pipe running under existing extension and where new extension is going
Does anyone have experience with this? We purchased a bungalow and paid for the searches with the intention of extending an existing extension. Searches came back fine for the extension and planning permission was approved. On digging the foundations a pipe was discovered, Welsh water first said it was a live pipe, then it…
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Freehold house with leasehold driveway: what could go wrong?
I've recently viewed a house to buy. It's one of a block of 4 new build houses, each with their own freehold, but there is a shared driveway which is leasehold (999 years) and for which the freeholder is a major land/estates owner in the area. I'm aware of the pitfalls of leaseholds in general but what sort of thing can go…
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Student Council Tax Advice
My son has recently completed his degree course - his course finished on 14 June. He lived in a shared house with 3 other full time students. The tenancy agreement ran until 22 August. One of the students was a foreign student and has now returned back to Spain, the other 2 students failed the year and have now got to…
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Lodger's rights to guests
My girlfriend has a lodger agreement with her landlord. My girlfriend's sister will be visiting from Australia soon and her landlord has refused a request for her to temporarily stay in the property (in my girlfriend's room, which she has exclusive rights to under the lodger agreement) as a guest for part of her stay in…
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CGT on selling rental property
I bought a rental property in 1993 with my husband for £78,950. In 2011 It was transferred to me on divorce valued at £215,000 I am now planning to sell it hopefull for about £250,000 How do I work out my CG T liabllity when it comes to paying the tax? Thanks
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Complicated issue in housing association housing
My mother lives in sheltered and my brother stays with her a few nights , his living situation isn't great so suits both parties as my mum is in poor health. My brother is an addict and a 2 years ago he wasn't in a great place and there were incidents of him borrowing money of neighbours. Police were involved and he was…
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High Insurance premiums from the freeholder
I bought the flat in which I live with my partner 5 years ago.It's a one-bedroom flat in a converted two-flat house. The freeholder owns and rents the 1st floor flat (HMO). When I bought the flat the lease was extended for 100 years or so Every year, they ask me to split the insurance premiums that they arrange. Although…
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Completion agreement post exchange (owner damaged property)
Does anyone have any experience of needing to write a completion agreement? I have exchanged but completion is delayed from the agreed date because the owner has damaged the house I am buying to the extent that it is unliveable in. He has also damaged the party wall and the neighbours property. Under UK Property Law I…
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2nd home SDLT surcharge
Hi, I recently purchased a new property (Home 2) before selling my existing one (Home 1) and paid additional stamp duty (2nd home). Home 1 is now rented out on a 1 year lease but is also up for sale. Assuming it sells within 3 years, will I still be able to claim back the 2nd home SDLT even though it won't have been my…
