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Factor company sending final notice letter despite bill being paid
I’m in Scotland and my factor company have sent a final notice demanding payment of over £200. Thing is I paid already under the old account number. I was due to move house and it fell through so I had a float and admin fee to pay so we paid it a few weeks back only they set up a whole new account number and are asking for…
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New Local Help to buy Scheme
Pembrokeshire have just launched a scheme where you can borrow up to 40% of a property value. Seems a really bad plan to me buy a £200k property with £60k “free” loan in 10 years you’ll owe the Council £90k if house prices go up at fairly typical rates.…
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Taking ownership of windows
Has anybody taking over ownership of their windows with the council as a freeholder? Have checked online and seems a hassle. It’s better for the council to do when major works are scheduled but this might be a long wait. Thanks
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DIY Land Registry, being gifted part of neighbours garden
My neighbour said I can have the top part of their garden if I do all the legal work and it doesn’t cost them anything. It’s a section about 4m long by 1m wide and full of their rubbish. There’s no mortgage on their property. I know I have to complete an AP1 and a TP1 form but do I need to complete these for both title…
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Reposit Scheme
Having recently moved rental property I have now been issued with an 'end of tenancy' report from my previous property management company. They are trying to charge me for matters which I have had no part in. I am disputing all costs but am worried that, alongside the Reposit Scheme people, they will try to take money from…
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Damaged Fence by Neighbour
The fence that is in my back garden has been damaged by my neighbour's kid it seems. I used the word seems because I didn't catch them in the act. The reason why I said that they damaged it is because they would play football in their back garden and when the ball ends up in my garden, they would jump the fence to come and…
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Getting married but both own a house
We're getting married next year but we each own a house separately. My partners house is currently being let out, and we live in mine. Going forward the plan is for he and a family member to jointly own his house and for the other family member to live in it, therefore making it residential rather than BTL. Before we go…
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Leasehold: £150 Admin Fee Added Without Notice + Poor Management – Worth Challenging?
Hi all, I own a leasehold flat (over 20 years) and have been paying reduced monthly amounts toward service charge arrears due to financial strain. I’ve kept up £150/month and been in active communication with the managing agent. Out of nowhere, they’ve now added a £150 “debt administration fee” to my account, dated 4 March…
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Considering pulling out of house purchase
I'm currently purchasing a property for myself and my 3 children. Our family home was sold recently as part of my divorce and I'm now staying with family. I had been looking for a house for months but the market here was flat with very few properties avaliable. 10 weeks ago I saw a house I liked, but the lack of garden…
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Subletting management company- tenancy agreement/ deposit
Hello, Sorry, I have more questions for your wonderful brains! Imagine, on the 1st December I sign an agreement with Mickey. Deposit all protected, everything good. But, 2 weeks later, Mickey decides he wants to sublet the apartment to Donald's management company, so I sign a new tenancy agreement with Donald's management…
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Damp flagged during survey
Level 3 building survey flagged damp that requires investigation. High moisture detected but the are no visual signs of mould etc. Should I get a damp survey? Thanks
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Feedback Refused
I am selling my Property and had my first two viewings last weekend. Today the EA rang me to share the Feedback he had received. I told him I didn't want to hear or discuss it. I am not prepared to do or make any changes/ improvements. I am only interested in hearing from my EA if there is an offer. Am I being awkward?
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LISA Help (buying 4 weeks too early)
My LISA is elligible for withdrawl on Aug 16th but we are exchanging contracts about a month earlier- July 18th. I'd get a 2k bonus if we were buying a month later but it's not feesable to delay for a month plus our rent is 2k a month anyway. I'm assuming not, but is there any way to withdraw the LISA a month after…
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In progress of buying a house and Level 3 Survey has revealed ...
....the at the front right of the property by the front door, the wall is not in vertical alignment. They've suggested it could be a sign of instability and a structural engineer would be needed to determine the cause. The property was built back in 1900-1929 according to the surveyor and all of my own research seems to…
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Exchange to complete - how long?
We put our BTL house on the market in early spring. It eventually sold for the 400k asking price "as long as we can exchange before stamp duty deadline"He had a survey which bought up the expected 'problems' so we negotiated a 10k discount and exchanged.Although buyer has agreed the sale of 'his' farm he's still awaiting…
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Permanent ponding on flat roof due to structural subsidence
AST tenant in share of freehold top floor flat, England. Building has a flat roof and is suffering permanent ponding in the non summer months due to the roofplate subsiding. Guttering does exist but purely cosmetic as the roof is effectively a bowl-like basin. This causes water ingress along hairline cracks on my ceiling,…
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How to buy a second property
I recently became 'tenant in common' (50/50 split) on a
bungalow my cousin, who is based in America. The bungalow was
originally left entirely to my cousin as part of an estate following the
death of my Aunt, but my cousin wanted to gift 50% of the property
to me, with me to buy the remaining 50% at a reduced…
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Buying for a friend abroad
A friend doesn't get along with his neighbour. This neighbour is now selling his property but won't sell to my friend so my friend has asked if i will be the "purchaser" and he will cover all the costs and "buy" it from me upon completion. I'm in the UK and the property is in Ireland. Are there any particular issues i need…
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Lease extension
Hello, my 87 year old aunt lives 400 miles away from me on the IOW. She is in a leasehold flat and has just told me she wants to go into assisted living, which will involve selling her flat. I asked her how many years there are on her lease and she isn't sure - and thinks her solicitor holds her lease? I've had a look at…
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Access Gates for Paddock
Hi All! I am hoping that you may be able to help me please :) I am in the process of buying a new property. It is in a conservation area (I am aware that there are a number of restrictions and that permission needs to be sought for most changes). There is a 1 acre paddock that does not currently seem to have vehicular…
