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Drawing a line under the debt. Take two.

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  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 8 September 2020 at 6:42PM
    Email sent to solicitor. Nothing back. I just need to know if she has the stuff from the vendor. Our sale is progressing really quickly and atm we have barely started on our purchase 😡🤯 but we are selling to a BTL so they won't hang around and I know our vendors are moving back to mainland Europe so probably want to start sorting stuff out. 

    Basically any query thrown up I will be saying 'will an indemnity policy get around that' and just pay for it 😂 honestly buying property in this country is bonkers. No the council have not noticed the satellite dish that we put up in 2009 which replaced the one that looked like it was put up in about 1985, but because there was no permission asked we need to pay £70 'just incase' they eventually notice it 🤦 am not even going to get involved in back and forth, if it costs an extra £500 or so in useless policies I just don't care any more!
    Debt free Feb 2021 🎉
  • Wow all systems go, well done on the job front that’s really good, teach her mse ways from the beginning :)
  • savingholmes
    savingholmes Posts: 28,937 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on DD's job. Woohoo. It all helps and teaches them so much too. They value £ far more when they earned it.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • So this morning the move manager from the EA rang in a flap. She hasn't been able to raise any response from my solicitor in three weeks and she also hasn't got back to any of my emails and voicemail messages. Vendor is getting very agitated and I don't blame them tbh. She told me to call the switchboard and ask to speak to her superior to try and get any kind of response. She was so upset as they recommended her to me and she said she has dealt with her for a few years and she is one of their go to solicitors because she is so reliable. 

    So I decided to ring her direct line for one last attempt and she picked up! So contract pack received and searches should be back on Tuesday, so then enquiries will be raised, she won't get anything raised until then. And then said she is on holiday next week 🤦🤦🤦😡 she has cover so I will be making a right pain of myself until something is sent to the vendors solicitor. She did send the EA an email, and the vendors solicitor and apologised for losing the fensa cert we took in, if it's needed she said they would cover the cost of a duplicate. Then I finally received the title plan and the bloody fixtures and fittings! Apparently there won't be any dustbins 🤷 the vendors are moving abroad 😂 tbh, I am not making a fuss about any of it, just going to keep on about the enquiries and pray something gets done next week! 

    And we received our mortgage offer in the post so she should have got theirs today or Monday. So at least I have a proper reason for ringing and emailing next week.

    I absolutely hate buying and selling property. And this is the first time we are doing it simultaneously. If this all works, we will have one move left in us, and that will be when we are too old to manage a three story house!
    Debt free Feb 2021 🎉
  • How frustrating with the solicitor.  That is worthy of a complaint I would say.  Hopefully it goes smoothly from here,
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 11 September 2020 at 9:51PM
    Omg, solicitor has just emailed again. Searches now due back 22nd September 🤦😡 I give up 🤯 she did say she will try and raise some enquiries over the weekend to send to the vendors solicitor, but I am ready to cry. We had a complete chain on 21st July, to not have searches returned until 22nd September is bonkers 😱 at least she emailed I suppose. But that means next week will be another dead week while she is away as anyone covering is going to do the bare minimum. 
    Debt free Feb 2021 🎉
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