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  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Really hoping that things get sorted for your Dad.  It definitely puts things into perspective when people you love are ill.  Sending positive thoughts of love and healing.
    Pleased that you've made a decision about the house.  Hopefully the survey will be able to put your mind at rest that it's fine, or that anything that needs seeing to is doable. 
    Sending you gentle (((hugs))) and hoping that everything improves quickly.  XXXX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • badmemory
    badmemory Posts: 9,636 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I'm with your solicitors in this.  Some of these contracts should be made illegal.  Hopefully they will in the not too distant future.
    I thought it was bad enough when my leaseholders kept selling it on again & again.  Each time they did it the new owner would try to tell me that I owed at least a years ground rent.  I had to pay 3 years when I first moved in because the previous owner supposedly hadn't paid.  No forwarding address so I couldn't check.  After the first I used to keep records that I could send to them.  The relief when I got a letter saying for a fee I could buy the freehold from them.
    But some of these newer leases seem positively criminal or at the very least a form of extortion.  I don't get why the buyers solicitors aren't advising against buying.  Unless of course the buyer is using the seller's solicitor because it will "save them money".  I've been told that more than once.
    I don't trust solicitors to know their job.  The first one I had dealings with told me it didn't matter that the line drawn on the map was around the wrong house.  Then charged for putting their mistake right.  The second one in today's prices almost cost me about £100k, thank goodness for interfering know-it-all fathers.  The third one is probably costing me well over £5k a year, no pension sharing.
  • Thinking of  you MeandO.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Sending you virtual hugs x
  • MeandO
    MeandO Posts: 3,232 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    badmemory said:
    I'm with your solicitors in this.  Some of these contracts should be made illegal.  Hopefully they will in the not too distant future.
    I thought it was bad enough when my leaseholders kept selling it on again & again.  Each time they did it the new owner would try to tell me that I owed at least a years ground rent.  I had to pay 3 years when I first moved in because the previous owner supposedly hadn't paid.  No forwarding address so I couldn't check.  After the first I used to keep records that I could send to them.  The relief when I got a letter saying for a fee I could buy the freehold from them.
    But some of these newer leases seem positively criminal or at the very least a form of extortion.  I don't get why the buyers solicitors aren't advising against buying.  Unless of course the buyer is using the seller's solicitor because it will "save them money".  I've been told that more than once.
    I don't trust solicitors to know their job.  The first one I had dealings with told me it didn't matter that the line drawn on the map was around the wrong house.  Then charged for putting their mistake right.  The second one in today's prices almost cost me about £100k, thank goodness for interfering know-it-all fathers.  The third one is probably costing me well over £5k a year, no pension sharing.
    It sounds like you've had some bad experiences too badmemory, sorry to hear that, it is a nightmare dealing with these companies and I can't wait to get out off of this estate of new builds.
    As it is, mine isn't actually leasehold, it's freehold, but there is a charge annually for the areas of communal grass to be cut and that is what's causing the problems. 

    Sorry to hear you have had problems with solicitors too, I've dealt with some really bad ones in the past. Thankfully I now have one I trust and whom has really helped me, and also my parents, out over the past few years. It is not a large company, but a small family team who only have the one local office and they're not scared off by the big companies but rather ignore the nonsense they spout and deal with the facts. They are also very kind people. It's a refreshing change from a solicitor.
    Mortgage @ 03/2019: £125,000, Now: £51,706.16
    Mortgage OP’s: £20,691.73
    Remaining 10% OP allowance 2025: £1327.55
  • MeandO
    MeandO Posts: 3,232 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    edited 26 November 2020 at 11:05AM
    Thank you for the hugs Four_Seasons and HSL2 xx
    I had a telephone parent consultation with DS's teacher today and to say I'm proud of him is an understatement. Kind, caring, funny, extremely competent and excelling in most subjects and his teacher even said his friends are lucky to have him as their buddy. He is my shining star.  <3

    Today I need to pick up DS's medication, package and post the ebay parcel, list one other item on there and chase up a quote from a removal company. I also need a little bit of shopping but will wait until Friday or Saturday to pick that up. 

    The savings have taken a beating with all these fees to pay out lately so my signature is wrong, but I will update that when things have settled. No point dwelling in the balances going down at the moment as they are facilitating me moving on and having more money in the bank at the end of it all. 

    Have a good day all xx
    Mortgage @ 03/2019: £125,000, Now: £51,706.16
    Mortgage OP’s: £20,691.73
    Remaining 10% OP allowance 2025: £1327.55
  • badmemory
    badmemory Posts: 9,636 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Chuffed for you re: the telephone version of parent's evening.  Everything else pales in significance.
  • MeandO
    MeandO Posts: 3,232 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Thank you badmemory x
    Mortgage @ 03/2019: £125,000, Now: £51,706.16
    Mortgage OP’s: £20,691.73
    Remaining 10% OP allowance 2025: £1327.55
  • MeandO
    MeandO Posts: 3,232 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    edited 27 November 2020 at 4:35PM
    Today I learnt that my last house, the one DS I loved so much and thought would be our home for life, is back on the market. It feels like a kick in the stomach tbh. I’m so sad. We adored that house and it was very much our home, it was just devastating to have to leave it and feels very much like a bereavement, even to this day.
    For a crazy moment, I even considered buying it back, but I know the problems that exist there and I could never do that. Such a shame though. 😥

    I paid my car insurance today - £258 - just about had enough in the pot to cover it. This has been such an expensive week what with the car and the house, I just hope the house spending is not all for nothing. I’m dreading getting that survey. 
    Mortgage @ 03/2019: £125,000, Now: £51,706.16
    Mortgage OP’s: £20,691.73
    Remaining 10% OP allowance 2025: £1327.55
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