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Get a grip !

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Comments

  • Thank you dia, MF, SW and Chrystal. 

    I know it’s the right decision but I am feeling very sad. Have started the meds from GP and there are a few side effects so I am going to ask for a sick note until things settle down. 

    There is very little on the market at the moment but I have arranged to view one house later this week with no chain and there is another no chain house I will phone the EA about later this morning. Hopefully some more properties will come on the market this week 

    I ordered a prime / morresons free delivery yesterday and cooked a roast. My no-dogs friend came round for dinner, it was nice to have some company 

    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • doingitanyway
    doingitanyway Posts: 10,000 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    edited 12 September 2022 at 10:31AM
    Oh I know how you feel. I am still clinging in in the hope that they offer a mega reduction and allow me more time for quotes for issues. Unlikely! Even then not sure I can cope with hassle of doing works, although a friend has offered to help.

    Not much on the market for me either. Hoping this changes this week too.

    I hope the meds and time off work help you
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Thanks dia. I psyched myself up and phoned the EA. They did exactly as the solicitor warned me and said they could get a builder in who would know better than the surveyor 🙁 Politely said no thanks. 

    I have 2 viewings set up for later this week both no chain. My sale to DS & his girlfriend is proceeding & they are aware of what is going on and it’s agreed I can stay with them. 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • doingitanyway
    doingitanyway Posts: 10,000 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    edited 12 September 2022 at 12:12PM
    Great you can stay with DS and GF. It will make life much easier as you search. 

    I know what you mean re EAs. My EA keeps talking about possible or potential damp. I advised that a qualified surveyor has highlighted damp at a level where it is a risk to the building. He used equipment to measure damp and it is high, so there IS damp.

    Will be relieved to have a home but equally am fed-up with dealing with EA and others who clearly think I'm stupid!

    Good luck with the new viewings.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Thanks dia. 

    The EA has just phoned again & left a voicemail saying that the seller would like to see the survey. It cost me £375 so does anyone think it be acceptable for me to ask for half the money to share it with them? 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • I absolutely do think it is acceptable to ask for half!

    My vendors  are re-listing rather than allow me to arrange inspections. Feeling sad but also a bit relieved. Like I have dodged a bullet  :/
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Sorry to hear that dia but as you say it’s such a worry about what would be uncovered once the work starts and trying to get tradesmen in that you can trust to actually do the work. 

    I just rang the surveyor and told them I have withdrawn from the sale. They have specifically stated that a copy of the report cannot be passed on under any circumstances as copyright remains with them. I have checked the T’s and C’s and it does specify that in the contract, so I will not be passing it on. 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • Thanks @Skint_yet_Again I know you are right but still thoroughly flat and peed off at the same time.

    I didn't know you cannot share the survey...
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • I know exactly how you feel 🙁

    Check your t&c’s they might be different to mine. Mine states the report cannot be reproduced without prior written consent of the surveyor. When I phoned them they said no copies. 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • You'll find all the surveys say that, it's because liability for the contents only extends to the person who paid the surveyor and others who have access to it could try and rely on what it says.

    The crucial parts do tend to get passed to the EA for the seller to consider their next steps.
    Mortgage started 2020, aiming to clear 31/12/2029.
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