Am I just being crazy??????

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cankle wrote: »

Doozergirl, I understand what you are saying but as I said in my OP we have built up a good rapport with them and they are quite elderly and I think lady vendor wanted to wait until her husband came home at the weekend as she couldnt move things on her own. I think after reading replies and doing a bit of research I will give her a call tomorrow and explain that although I dont have a problem with allowing them the weekend to finish packing/cleaning its going to cause issues with insurance so if they cannot physically move out on Friday for completion then I will have to instruct my solicitor to delay completion till Mon/Tue.

It is up to you what you do but if it were me I'd say no.
BUT seeing that they have been really nice letting you store stuff and you've built up a good relationship, and they are old, I'd offer to help her move some of the stuff for half a day (send the boys round !). I'd explain the legal side of things to her then offer to help her with heavy things. Might help her stop thinking your not just being mean, which obviously your not. She probably doesn't know about anything,

DVardysShadow

G_M wrote: »

Be careful how you word this.

If you delay Completion, you will be liable for costs. If they delay, they are liable.

God point. However, as I see it, no issue with saying that completion cannot happen without vacant possession and renegotiating a new completion date.

princeofpounds

Give them a choice, through your lawyer, of delay completion until wednesday or be out on Friday.

That is quite generous flexibility. It's not your problem if they somehow need the money to move on. The money only comes when the house is handed over in return, that's how it works.

Of course, if they really do need the money then you are going to have a problem whatever you do. Then your solicitor will have to serve a notice to complete and it will get legal. So you might want to encourage them to be totally upfront if this is the case, as it might be easier to find a solution beforehand than afterwards.

sunshinetours

As above just suggest to delay the completion to accomodate their wishes and bingo favour returned

We stored our new dining table and chairs in our house we bought last time before completion as we got on very well with lady who had got divorced and didn't really understand all the legal implications of everything. That was the other way round in that she had already largely moved out that week. She very kindly let us have a key and we really appreciated it and helped her where we could as well including forwarding mail etc for a while afterwards
Last thing someone needs in these sorts of situations is someone telling them their rights etc. Find a workeable solution (like you are trying to) and good luck with your new home

Wyndham

Why does the husband have to be there? Has she not heard of removal firms?

Once you complete, the property is yours, not theirs. If you let them stay then you are potentially setting yourself up for all sorts of problems. Don't do it.

sharpee

And what happens if they don't move out on Wednesday?

I thought you had to have vacent pocession to complete?

dumpy

Don't you have to sign to say you have vacant possession?

Lovelyjoolz

You don't say if you are a cash buyer or will be taking out a mortgage, but you are taking a mortgage, isn't the mortgage dependant on vacant possession? If the vendors are still in situ after completion, I assume you are in breach of contract with your mortgage company.

Also, if you haven't moved in, your insurance will be invalid.

I'm sorry, thse people may be perfectly nice, and you may have built up a rapport with them, but you don't really know them and you are foolish to risk so much on strangers.

sonastin

Lovelyjoolz wrote: »

You don't say if you are a cash buyer or will be taking out a mortgage, but you are taking a mortgage, isn't the mortgage dependant on vacant possession? If the vendors are still in situ after completion, I assume you are in breach of contract with your mortgage company.

Also, if you haven't moved in, your insurance will be invalid.

I'm sorry, thse people may be perfectly nice, and you may have built up a rapport with them, but you don't really know them and you are foolish to risk so much on strangers.

This is your alternative excuse if you don't want to blame the landlord. The mortgage company won't release the funds until you have vacant possession so they have to move out for you to complete.

If you want to return the favour, you could let them store some of their heavy stuff in the garage between Friday and Wednesday - that is equivalent to what they have offered you. It raises the same insurance/risk issues as you're currently facing but it doesn't present the same degree of risk as if they don't move out.

Above all, you need to tell your solicitor about this. The "lets keep it between us" raises bigger alarm bells than anything else. If this is a genuine legitimate request which can be accomodated legally without breaching mortgage or insurance conditions then solicitors will be able to arrange it. If it is going to get either of you into a pickle, well, that's what you're paying your solicitor to protect you from.

macman

Insurance alone should prevent you even considering this. If the place happens to burn to the ground after completion, but while they are in residence, the insurers will certainly void your cover, as stated above.