Estate agent keeps asking me questions...

JoshinLeeds

Just to clarify;

1 I got decision in principle, then I had to wait weeks for next appointment (booked it on same day)
2 Just after this I put an offer in on a property. The estate agents advised the landlord wanted to get to exchange of contracts and then give notice to the tenants.
3 I filled all relevant paperwork and contacted solicitors.
4 Last time I spoke to solicitors they advised they were still looking through information sent from sellers solicitors.
5 Today I was advised my solicitors were awaiting a mortgage offer before doing searches (I already paid for these weeks ago. Also a family member advised if any issue with mortgage they would lend me the money anyway. The lender was supposed to contact me Monday as rates were changing (but they didn't and I have chased it up)

So that sums it up.

DaftyDuck

JoshinLeeds wrote: »

Just to clarify;

1 I got decision in principle, then I had to wait weeks for next appointment (booked it on same day)
2 Just after this I put an offer in on a property. The estate agents advised the landlord wanted to get to exchange of contracts and then give notice to the tenants.
3 I filled all relevant paperwork and contacted solicitors.
4 Last time I spoke to solicitors they advised they were still looking through information sent from sellers solicitors.
5 Today I was advised my solicitors were awaiting a mortgage offer before doing searches (I already paid for these weeks ago. Also a family member advised if any issue with mortgage they would lend me the money anyway. The lender was supposed to contact me Monday as rates were changing (but they didn't and I have chased it up)

So that sums it up.

Meaning... ??? Sums what up? Are you the OP's other half, or just some other bod jumping on the thread?


If you are Eejay's husband - well, if you've been as clear throughout your dealings with the EA as you are straightening that one up, I can see why they are pushing for answers. Mind you, now you've clarified.... :rotfl:

mrginge

JoshinLeeds wrote: »

Just to clarify;


2 Just after this I put an offer in on a property. The estate agents advised the landlord wanted to get to exchange of contracts and then give notice to the tenants.


So that sums it up.

I refer you to post #18

I appreciate the message is somewhat buried in there.

JoshinLeeds

Yes I am the other half.

Dan-Dan

Blimey you can see why the whole transaction is like pulling teeth

Annie1960

JoshinLeeds wrote: »

Just to clarify;

1 I got decision in principle, then I had to wait weeks for next appointment (booked it on same day)
2 Just after this I put an offer in on a property. The estate agents advised the landlord wanted to get to exchange of contracts and then give notice to the tenants.
3 I filled all relevant paperwork and contacted solicitors.
4 Last time I spoke to solicitors they advised they were still looking through information sent from sellers solicitors.
5 Today I was advised my solicitors were awaiting a mortgage offer before doing searches (I already paid for these weeks ago. Also a family member advised if any issue with mortgage they would lend me the money anyway. The lender was supposed to contact me Monday as rates were changing (but they didn't and I have chased it up)

So that sums it up.

Hi Josh

You have missed the most important factor that should be on this list.

Until the tenant is gone, and you have evidence that they have actually left (not just notice to leave) then why on earth are you incurring costs?

The vendor is taking you for a ride.

In your position, I would speak to the solicitor and get the solicitor to write to the EA stating that you will not be incurring any further costs until the tenant has vacated the premises.

Cissi

Eejay wrote: »

Nope. It's all in my husband's name so it's not me that should be dealing with it - if anything has been done 'wrong', my husband is to blame

The reason we aren't doing it as a 'couple' is because I'm a student (and a poor one at that lol). The EA has been told - my husband said he asked him last time not to ring me. I don't mind answering really basic stuff, but I don't want to be giving him answers to things I'm not sure about - which is most of it.

The rest of this thread is already bizarre enough, but I had to comment on this one. Are you two actually married, or just co-habiting??? If you are married, then how can you be a "poor student" if your so-called husband has a good enough income to buy a house? Whatever happened to "for richer, for poorer" etc?


I thank my lucky stars that my marriage started out on more solid foundations than what this "mine versus yours" attitude suggests. When DH and I were engaged (in the late 90s), he went back to studying (for an MBA) for both our futures, while I worked to pay the bills for both of us. He got his degree, followed by a well-paid job, and I pursued my dream of a PhD - so in OP's way of thinking, I guess I was a "poor student", with an £8k/year grant income. We still bought a house together, in both our names as we were a married couple - nothing else would have occurred to either of us. Yes, the mortgage payments came out of the income that DH earned, but we both saw this as our joint income.


After my degree, I too had a good income for a few years (which - shock, horror! - went into our joint account). Then when we had children, we decided that I would stay home for a few years. Guess what? Almost 20 years of marriage, and I've never felt like a poor relative who enjoys her everyday comforts thanks to her generous husband. Instead, he thanks me every day for the things that I bring to the relationship. As a result we're a happy, united family - to be honest, I doubt we'd have lasted a year if either of us had had the attitude of OP and her DH.


(BTW, for the past 7 years I've been running my own successful business, which I could never have started without DH's full support, in more ways than one - but that's a different topic).

john_white

Has the OP declared to the lender that they will be living at the property, but, will have no financial interest in it?

Eejay

Lol - thank you for the relationship advice! We have a joint account and a baby due next month. Just because a property is not in my name does not mean our marriage is in trouble. My husband doesn't have a massive income, but was fortunate that his family purchased our last property, so we don't need a massive mortgage this time. If we were to get the mortgage in both of our names, he'd have had to include all of my bills (food, Sky, mobile etc) and my income probably wouldn't count at all. It wasn't worth the risk. Even in our current rented property, I am classed as a 'permitted occupier' - they couldn't include me as a tenant because my only income is my student loan.

Eejay

john_white wrote: »

Has the OP declared to the lender that they will be living at the property, but, will have no financial interest in it?

Yes I attended the appointment with him and they included the fact we've a baby due next month too.