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Estate agent keeps asking me questions...

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Comments

  • ACG
    ACG Posts: 24,711 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Its not often I want to bang my head on a wall.

    You do realise you are party to buying a HOUSE? Its not your weekly shop!

    Your initial post said one thing, then subsequent posts had some pretty important information in them. This is a massive investment and it almost seems like between you and your partner its nothing.

    Either be involved or dont - that is where issues arise when your invovled in the bits you want to be but not in the rest. If you have nothing to do with it, stop getting into conversation with the agents, give them your partners number job done.

    I have typed this out but im genuinely lost for words. If you were my clients I would have to cancel my contract with you! I love my job and I try my best to get on with all my clients and make it as "enjoyable" as possible. But this would be a nightmare!

    The other issue which has been mentioned is the tenants, this needs to be resolved sooner rather than later - although at the speed your going, they may well be collecting their pension before they get notice.

    Sorry to be so blunt, I dont mean to be offensive but I am pretty much lost for words.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Annie1960
    Annie1960 Posts: 3,009 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    This is a great example of how not to buy a house.

    You should not spend a penny on anything until the tenants have gone. Your vendor is trying to squeeze every last penny out of the rent, by the sound of it, and if the tenants refuse to leave (which they might, and it will take months to evict them), then you will have wasted any money you have spent.

    I'm not a great fan of estate agents, and I think they are trying to press you to spend money you should not be spending until the property no longer has tenants.
  • Eejay
    Eejay Posts: 333 Forumite
    I booked the viewing, which is why they have my number. Apart from that I haven't had any involvement, and we've told them this. I told him to contact my husband about it but he seemed to still want a few answers from me. Apparently their system recently changed which is why they had me down as the primary contact again.

    They've said there's a problem with our solicitor not doing things properly and the survey should have been sorted before the mortgage. My husband pointed out that they advised him to use the same solicitor - he had told them he didn't mind going with someone else!
  • Foxy-Stoat_3
    Foxy-Stoat_3 Posts: 2,980 Forumite
    https://forums.moneysavingexpert.com/discussion/4973602

    Did [STRIKE]you[/STRIKE] your husband ever get a DIP agreed in the end?
    "Dream World" by The B Sharps....describes a lot of the posts in the Loans and Mortgage sections !!!
  • DaftyDuck
    DaftyDuck Posts: 4,609 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Well, the agent certainly isn't getting any fast responses from your husband, so maybe they are trying you as a last-ditch.

    Honestly, if I were your vendor, I'd be long-goone.
  • ACG
    ACG Posts: 24,711 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Eejay wrote: »
    They've said there's a problem with our solicitor not doing things properly and the survey should have been sorted before the mortgage. My husband pointed out that they advised him to use the same solicitor - he had told them he didn't mind going with someone else!
    This is wrong.

    Process is:
    DIP,
    Application,
    Valuation,
    THEN Solicitors.

    Solicitors should not e doing anything until you have an offer. If you dont get an offer (for whatever reason), you then have environmental searches etc on a property you can not buy.

    If your estate agent is saying this then it may as well be the blind leading the blind as the agent clearly doesnt know what they are talking about either.

    Can I suggest you speak to a broker (assuming the application is not yet submitted), let them take control of the situation and get it going down the right path.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Eejay
    Eejay Posts: 333 Forumite
    Yes we were annoyed about the £40,000 but we could have made up the difference so it didn't matter as such, but they did another on Saturday and came back with £52,000 which is much better as it would give us money to make improvements.

    I know it's me who asks on here, but I have genuinely stayed out of it 'in real life' so unless the EA is checking my posts, there should be no confusion.

    My husband paid for the searches to be done weeks ago but one thing we didn't realise was that the solicitor told the EA that they wouldn't be getting them done until the mortgage was approved. He's not very happy about it!
  • Eejay
    Eejay Posts: 333 Forumite
    Sorry - didn't see other posts when I made my last one. My husband works but returns calls on his lunch break and is good at responding to emails. They called last week about something and I told them to speak to him, this week they're calling again to say we're going slowly which panicked me because we've had no indication so far that there was a problem. I don't think the person is part of a chain, but just wants rid of the property as soon as possible. Now that we've realised that the solicitor has happily taken our money but done nothing, I can understand why they're a bit annoyed - my husband assumed that since he'd paid things were actually getting done.

    This will be the third property he has purchased so he's done things like this before, whereas I've never been involved with it. At least I'm honest about not having a clue!
  • ACG
    ACG Posts: 24,711 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Its nothing to do with the solicitor.

    I would not have expected the solicitor to do anything anyway... Ive already explained why in a previous post.

    Its the fact you are 3 or 4 weeks in and there is no valuation instructed and as far as the EA can see no further along.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Jabberwk
    Jabberwk Posts: 61 Forumite
    With the place we're trying to buy it was a condition of the offer being accepted that the survey/valuation was booked within a certain time frame (didn't need to be completed, but had to be booked and paid for) and a solicitor was instructed immediately so their contact details could be provided. It was made clear that if the survey wasn't booked within the stated time, the property would be readvertised. We were also expected to have our mortgage application kicked off within the first week as these can take several weeks. From your posts it looks like this is the sort of time frame the EA was expecting, although they may not have been as clear with you about it at the start as they should have been. Our mortgage application was done by post and phone through a broker, so getting an appointment wasn't such an issue.
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