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The New Adventures of Fortune

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  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I've just re-read the first page of this diary and realised just how far we've come. I found even the thought of moving overwhelming at the start of this journey and now we are close to the end :)

    The thing I was least looking forward to was getting the house presentable for viewings and I feared we wouldn't be able to sell (our next-door neighbours were on the market on and off for three years). However, I managed to get things clean and tidy and we were on less than a week before we got the offer.

    We've navigated all the paperwork and, although it's thrown up a few surprises, there hasn't been anything we can't manage or live with.

    At first we were worried about moving to an area we didn't know but we have discovered some wonderful things about it and received lots of support and advice from local forum friends (thank you) :)

    I've discovered some true friendships and ended some toxic ones ;)

    We have been lucky with our Vendor and our Buyer who had been reasonable and responsive throughout. And we have such a short chain.

    Progress has been quite quick as far as these things go. If we do manage to complete when we want to we will be five weeks under the average time it usually takes from offer to completion.

    So despite my current gripes it's been a relatively painless experience and I am thankful for that. Although I'm glad we won't be doing it again... at least for a very, very long time...and time erodes the reality of moving house :rotfl::rotfl::rotfl:

    Just keep swimming, just keep swimming

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • beanielou
    beanielou Posts: 95,580 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Keep plodding:grin:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Wow Fortune, thats amazingly good that you got an offer in such a short time. Hoping you hear good news today.
    2023: the year I get to buy a car
  • Not only have you accomplished so much in such a short time but you have given others like me inspiration.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Keep plodding:grin:

    I think that's the answer to life, the universe and everything Beanie. Persistence and doing what you can when you can really works :)
    Karmacat wrote: »
    Wow Fortune, thats amazingly good that you got an offer in such a short time. Hoping you hear good news today.

    We have been very lucky so far Karma - I must keep reminding myself about that :)
    Not only have you accomplished so much in such a short time but you have given others like me inspiration.

    Aw shucks INOD :o How kind. It took me a while to get going with this project but I think, once you've started, you've got no choice but to keep going.

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    but not the big kind... yet.

    I managed to get hold of my solicitor and the upshot is:
    • she has approached the Land Registry to get an accurate copy of the title plan
    • if they cannot provide one, and the error is down to them, they will pay the cost of the idemnity
    • if they cannot provide one and are not at fault, we will have to pay for the indemnity

    We could argue the toss about whether one is required and who will pay for it but the process of going backward and forward on that would take us past our planned completion date. That provides more opportunity for things to go wrong - particularly as we'll be past end of term by then ;) And, also we'll have to try and find another gap in Mr F's travel itinerary which is easier said than done. The premium is £202 and I think it's a small price to pay for the peace of mind.

    The Land Registry are due to respond today so we'll know one way or the other and will be able to answer 'The Final Enquiry'. This one's been asked in every correspondence we've received from our Buyers' solicitor so has attained legendary status :rotfl:

    I know the Buyers' solicitor has their contract report ready to send out so it will just be down to how quickly they can make that happen.

    However, we are on plan to exchange this week :j

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
  • beanielou
    beanielou Posts: 95,580 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sounding hopeful :j
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Greying_Pilgrim
    Greying_Pilgrim Posts: 6,590 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I agree with beanie - that does sound hopeful.

    And I hope that the LR are true to their word and come back with a response today. It was for a different thing, but when I had dealings with the LR a couple of years back, I actually found them to be very helpful, both over the telephone on the 'helplines' and at our regional office. I felt as though they were being professional, crossing all 't's' and dotting all 'i's' and yet they had a human side too. Hope they can unravel the query for you Fortune :D

    Greying X
    Pounds for Panes £7,305/£10,000 - start date Dec 2023
     
    Grocery Spend August 2025 £49.79/£300 
    Non-food spend August 2025 £3.75/£50
    Bulk Fund August 2025 £0/£10 
  • maggiem
    maggiem Posts: 1,941 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Good luck for continued progress this week Fortune fingers crossed
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,101 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    has been resolved :T The Land Registry were true to their word Greying and responded when they said they would.

    We know that our property used to belong to a bigger estate way back when and apparently when the land was split up and the title of our land transferred, the blue colouring should have been removed. Our solicitor has had the title deed amended so all is correct now and there is no need for an indemnity :T

    Our Buyers' solicitor has been contacted with the information and I've contacted
    Mr Buyer to let him know it's all in their hands now.

    I know we're not there yet but it feels lovely knowing there are no outstanding issues our end...

    ...unless...

    ...they wouldn't send us more repeat enquiries at this stage would they? I might explode if that happens :rotfl:

    So it's up to our Buyers to do the rest of the running around now to get us to exchange. I am still hopeful for this week :)

    Fortune x
    Mortgage: 100% paid Emergency Fund: 100%
    A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais
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