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home buying hell
babyfaceclothing
Posts: 3 Newbie
I am desperate for some help and advise. My mother bought a house three years ago. She eventually go round to redecorating last year and noticed a dip in the living room ceilling, the work men came round to fix the problem and found that the dormer extension was not built with any support. The extension has planning promission but was never inspected. The original solicitor who dealt with the sale has gone bust and the mortgage company are theatening to fix the house and sell it and the insurance company dont want to know.
Can anyone offer any help or advise on where we can go we did have a survey done but it was a home file 1, we have since been told that even if we have a full survey done they wouldnt have discovered this fault please help!!!!
Can anyone offer any help or advise on where we can go we did have a survey done but it was a home file 1, we have since been told that even if we have a full survey done they wouldnt have discovered this fault please help!!!!
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Comments
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I am curious on what basis the above can be done.babyfaceclothing wrote:... and the mortgage company are theatening to fix the house and sell it.....
My initial reaction to this is you are stuck with it, and you will have to pay someone to sort this out. Start off with contacting Building Control at your local council and see what they say and what they want doing to regularise the situation. I'm sorry if that's not what you wanted to hear, but that is my immediate reaction to reading the situation. If I can think of anything else I will post again.babyfaceclothing wrote:Can anyone offer any help or advise on where we can go we did have a survey done but it was a home file 1, we have since been told that even if we have a full survey done they wouldnt have discovered this fault please help!!!!A house isn't a home without a cat.
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babyfaceclothing wrote:...and the mortgage company are theatening to fix the house and sell it and the insurance company dont want to know.
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I think the mortgage company does have some rights as regards the property being kept in sound condition, especially if there is limited equity. In theory they could pay to have work done and add it to the mortgage at a higher (further advance type) rate of interest.
Could they force a sale? I don't think so as long as you pay the increased mortgage payments. Did your mother say she couldn't afford higher payments at some time? Their responce would probably have been that they could then repossess and sell up. Thats not the same as them forcing a sale straight off.
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