Quit everything , and start again over 50?

another_casualty

Just thought I'd let you know that I've posted on the pensions forum.
Bizarrely harz, that link you sent was Hargreaves lansdown.
That's where my last company pension has ended up:)

Once/ if I get the right answers to my questions, then hopefully I will start sipp asap
Thanks

harz99

AC and others reading my earlier posts - I've been corrected by JamesD from the pensions forum page that I am incorrect regarding basing the maximum payment into the SIPP on previous years earnings, it should be on current years earnings, in your case up to when you left employment. I did say I was no expert! I'll amend the posts later.

another_casualty

Thanks harz .
Pensions = complication

anna_1977

hey AC, all ready to exchange this week?

another_casualty

Hi Anna
Well, I've heard nothing for a change. I would assume that on Friday I would get the paperwork to sign and that's it .
I sent email to my solicitor on Sunday , telling him I want to proceed with the purchase .
It looks like the end of march , the flat will be mine .

Forgot to ask : what's happening on your side of things ?

anna_1977

Exciting times for you I'm really pleased you've found somewhere.

Well, things have changed for me.

I had planned to put the house back on the market about now but....

...My boyfriend (god I detest that word for someone my age...39!) has given up his rental property and last weekend moved in with me. This means I really don't have to sell and can start paying off my debts at a pretty speedy rate I hope.

I'm going to be approaching creditors soon with some F&F figures which would be a relief.

another_casualty

Thanks Anna .
Sounds like things are falling into place for you too .
Great stuff !
Don't you mean , your 'partner' has moved in with you ?:)
I'm in a similar position regarding dettlements etc.
The plan for me , is to let payplan get back to me in June as promised
If that doesn't work out ,,I'll phone the creditors ( probably more than once ), and get the best price I can .

MrsPorridge

Any news AC?

another_casualty

Not yet mrs. P
I guess everything takes time . I would expect the formularities this week . I received an email from the Lettings agency asking me , if I need to extend contract after end of may . I haven't replied just yet, for obvious reasons .

I almost forgot, that for the first two months, I'll be paying 2 lots of council tax . Not too much of an issue , but I'll have to watch things.
For example , I'm currently not paying water rates. From April, I will be . Only for 1 property though.

I will be paying for 2 lots of energy bills also. I'm still having Jip with utility warehouse at present. I'm paying estimated bills, as the meter is faulty and they haven't rectified the problem. I threatened to go to the ombudsman. They are more aware now, but are a mess.
I just don't want my last one or 2 bills to be astronomically high because of their incompetence .
I think that's everything covered, for now

another_casualty

Well..
my solicitor is away until Tuesday next week . However, I may be dealing with his colleague( I have done in the past), between now and then .
I have contract sent to me via email, for me to print off , sign and return asap. I will send this tomorrow via Royal Mail special delivery.

My solicitor did ask if it would be ok to exchange and complete on the same day ;( next Friday 31/03). The answer is no, so the contract will be sent tomorrow .
I will have to have a chat with my bank I assume , to make sure the full amount payable will go through on demand without any problems

I'm not sure if I have to sign anything else on day of completion baring in mind I don't want to commute to London unless absolutely necessary . My last day in my present location , is 31 may. I have been approached by letting co. and landlady offering an extension if necessary . Nice to know, but it looks that I will purchase my new flat on fri 31 of this month and as it will empty I will have plenty of time to get everything to my liking by 31may.