Coal mine entry on footprint of house... mortgage retracted

jtur99

daivid said:

I wanted to by a house in a mining area a few years ago and was advised by my mortgage broker (local) not to bother. The vendor had said the searches would come up with 'potential mines in the vicinity' or words to that effect and that a previous (attempted) buyer had got to that stage before the mortgage provided had backed out. The house was late 19th century, with no signs of any damage or movement. As I understood it the Coal Board (or it's successor) would cover any damage that occurred as result of historic mines so I would have been happy to live there as I felt the risk of anything happening would be low and in the unlikely event of an occurrence I wouldn't be paying to put it right. I think I ran quotes for home insurance at the time and they came back ok.

From what I learnt that village is a nightmare for getting mortgages as the coal seams ran right to the surface, so mining started as one man bands or families digging bell pits which they covered access to then moved on when they ran out of coal. There could be hundreds of these hollowed out pits and that phase of mining pre-dated accurate mapping. The default response on surveys seems to be 'possible mine activity' which unsurprisingly puts lenders off.

Thank you for this.  Your situation sounds very similar to ours.

davidmcn

daivid said:

The default response on surveys seems to be 'possible mine activity' which unsurprisingly puts lenders off.

I wouldn't say that was the general response to coal reports in those terms - it's pretty common around Glasgow for example, in places which had shallow mining which had ceased before the Victorians started building (and before there was any decent record-keeping). I suppose the logic is that if a building has survived 100+ years without falling down a hole then it's probably not suddenly going to.

SaraJ96

jtur99 said:

Hi everyone,
We are in the middle of buying a house.  TSB gave us our mortgage, however they are now wanting to back out of this agreement (which I know they are allowed to do) due to the results of a coal mining search.  It has shown that there is a coal mine entry on the footprint of the house.  We have a mortgage advisor who is in the process of trying to get TSB to try and change their mind and let us have the mortgage, but I have heard that this is very hard to do?
We have had to submit evidence to them.  This has included the detailed home buyers survey we had done, which show there is no evidence of subsidence and a report from the coal mining authority that says there were no issues during the latest inspection which was done in Jan 2020.  The report also stated that no-one in the area has claimed against the CMA for subsidence.
The house was built in the 1950s, we have been told that if there was going to be issues due to the coal mine entry then we would have seen evidence of this by now?  We have also had it suggested to us that due to the current pandemic, TSB may not have the man power to deal with a mortgage which could be more complicated due to having furloughed/ill staff.  TSB want to see evidence that it has been 'treated' which from what I can gather means whether it was filled in.  But apparently finding out this information can be quite difficult and it wasn't even mandatory that they had to record this anywhere.
The current owner knew about but it has never been an issue for them  The CMA come to inspect t every 3 years.  They have even had an extension built on the exact location of it.  This had planning permission and passed building regulations.
Does anyone have any experience of this and can share the outcome?  Or know any more about situations like this?
Many thanks in advance.
Sorry for the long post!

Hi, 
It's evident from the coincidences in the information you've stated in this post that the house in question actually belongs to my parents. Their house was built in the 1950's, and their buyers have just pulled out of a 4+ house chain yesterday because TSB would not provide them with a mortgage due to a mine shaft on the property... Maybe next time don't make the details in your post so specific that your sellers can find inside information regarding the sale that you probably don't want them to know.

I'd just like to let you know that a lot of the information you have stated is actually inaccurate and it seems you have been misinformed about some crucial information here. It has never been stated that the mine shaft is under the property or extension so if was you i would get in touch with your solicitor ASAP, also if TSB have been told the shaft is directly under the property then that's probably the reason why your application has been rejected... The mine shaft is actually on the border of garden of this property and the neighboring property. I'd just also like to clarify that my Mum has been open and honest about the mine shaft from day one and has made all parties aware of this, she had no reason not to as she didn't see this to be too much of a concern as she has had several mortgages over the past 20+ years, all of which the lender has been provided with accurate information of where the mine shaft is located.

I'd also just like to point out that the sellers are not "frantic" about you now pulling out of the chain, they are just merely disappointed as anyone would be at this stage. Also waiting until the last minute to renegotiate? - Did you think about all of the other properties in the chain that this would effect? Seems a little selfish personally to be so sly about your intentions. Let hope the "angles" look after you with your next purchase so you aren't the cause of any more disappointment or money lost. Good luck with your property hunt, and finding a seller in the area that isn't aware that you're likely to pull out last minute. All the best! 

CheesyWiggles

SaraJ96 said:

jtur99 said:

Hi everyone,
We are in the middle of buying a house.  TSB gave us our mortgage, however they are now wanting to back out of this agreement (which I know they are allowed to do) due to the results of a coal mining search.  It has shown that there is a coal mine entry on the footprint of the house.  We have a mortgage advisor who is in the process of trying to get TSB to try and change their mind and let us have the mortgage, but I have heard that this is very hard to do?
We have had to submit evidence to them.  This has included the detailed home buyers survey we had done, which show there is no evidence of subsidence and a report from the coal mining authority that says there were no issues during the latest inspection which was done in Jan 2020.  The report also stated that no-one in the area has claimed against the CMA for subsidence.
The house was built in the 1950s, we have been told that if there was going to be issues due to the coal mine entry then we would have seen evidence of this by now?  We have also had it suggested to us that due to the current pandemic, TSB may not have the man power to deal with a mortgage which could be more complicated due to having furloughed/ill staff.  TSB want to see evidence that it has been 'treated' which from what I can gather means whether it was filled in.  But apparently finding out this information can be quite difficult and it wasn't even mandatory that they had to record this anywhere.
The current owner knew about but it has never been an issue for them  The CMA come to inspect t every 3 years.  They have even had an extension built on the exact location of it.  This had planning permission and passed building regulations.
Does anyone have any experience of this and can share the outcome?  Or know any more about situations like this?
Many thanks in advance.
Sorry for the long post!

Hi, 
It's evident from the coincidences in the information you've stated in this post that the house in question actually belongs to my parents. Their house was built in the 1950's, and their buyers have just pulled out of a 4+ house chain yesterday because TSB would not provide them with a mortgage due to a mine shaft on the property... Maybe next time don't make the details in your post so specific that your sellers can find inside information regarding the sale that you probably don't want them to know.

I'd just like to let you know that a lot of the information you have stated is actually inaccurate and it seems you have been misinformed about some crucial information here. It has never been stated that the mine shaft is under the property or extension so if was you i would get in touch with your solicitor ASAP, also if TSB have been told the shaft is directly under the property then that's probably the reason why your application has been rejected... The mine shaft is actually on the border of garden of this property and the neighboring property. I'd just also like to clarify that my Mum has been open and honest about the mine shaft from day one and has made all parties aware of this, she had no reason not to as she didn't see this to be too much of a concern as she has had several mortgages over the past 20+ years, all of which the lender has been provided with accurate information of where the mine shaft is located.

I'd also just like to point out that the sellers are not "frantic" about you now pulling out of the chain, they are just merely disappointed as anyone would be at this stage. Also waiting until the last minute to renegotiate? - Did you think about all of the other properties in the chain that this would effect? Seems a little selfish personally to be so sly about your intentions. Let hope the "angles" look after you with your next purchase so you aren't the cause of any more disappointment or money lost. Good luck with your property hunt, and finding a seller in the area that isn't aware that you're likely to pull out last minute. All the best! 

Have you considered that if you’re having to correct so many details, that you might have got the wrong person? Regardless, can’t blame someone for pulling out of a house purchase in such circumstances.

Mickey666

Run away.  The OP is already having hassles before even buying, which tell you all you need to know.  Next will be insurance hassles plus even more to eventually sell again.  And if there are ever any subsidence problems, goodbye to the house value.  Why would anyone want to take that lot on?

eidand

CheesyWiggles said:

SaraJ96 said:

jtur99 said:

Hi everyone,
We are in the middle of buying a house.  TSB gave us our mortgage, however they are now wanting to back out of this agreement (which I know they are allowed to do) due to the results of a coal mining search.  It has shown that there is a coal mine entry on the footprint of the house.  We have a mortgage advisor who is in the process of trying to get TSB to try and change their mind and let us have the mortgage, but I have heard that this is very hard to do?
We have had to submit evidence to them.  This has included the detailed home buyers survey we had done, which show there is no evidence of subsidence and a report from the coal mining authority that says there were no issues during the latest inspection which was done in Jan 2020.  The report also stated that no-one in the area has claimed against the CMA for subsidence.
The house was built in the 1950s, we have been told that if there was going to be issues due to the coal mine entry then we would have seen evidence of this by now?  We have also had it suggested to us that due to the current pandemic, TSB may not have the man power to deal with a mortgage which could be more complicated due to having furloughed/ill staff.  TSB want to see evidence that it has been 'treated' which from what I can gather means whether it was filled in.  But apparently finding out this information can be quite difficult and it wasn't even mandatory that they had to record this anywhere.
The current owner knew about but it has never been an issue for them  The CMA come to inspect t every 3 years.  They have even had an extension built on the exact location of it.  This had planning permission and passed building regulations.
Does anyone have any experience of this and can share the outcome?  Or know any more about situations like this?
Many thanks in advance.
Sorry for the long post!

Hi, 
It's evident from the coincidences in the information you've stated in this post that the house in question actually belongs to my parents. Their house was built in the 1950's, and their buyers have just pulled out of a 4+ house chain yesterday because TSB would not provide them with a mortgage due to a mine shaft on the property... Maybe next time don't make the details in your post so specific that your sellers can find inside information regarding the sale that you probably don't want them to know.

I'd just like to let you know that a lot of the information you have stated is actually inaccurate and it seems you have been misinformed about some crucial information here. It has never been stated that the mine shaft is under the property or extension so if was you i would get in touch with your solicitor ASAP, also if TSB have been told the shaft is directly under the property then that's probably the reason why your application has been rejected... The mine shaft is actually on the border of garden of this property and the neighboring property. I'd just also like to clarify that my Mum has been open and honest about the mine shaft from day one and has made all parties aware of this, she had no reason not to as she didn't see this to be too much of a concern as she has had several mortgages over the past 20+ years, all of which the lender has been provided with accurate information of where the mine shaft is located.

I'd also just like to point out that the sellers are not "frantic" about you now pulling out of the chain, they are just merely disappointed as anyone would be at this stage. Also waiting until the last minute to renegotiate? - Did you think about all of the other properties in the chain that this would effect? Seems a little selfish personally to be so sly about your intentions. Let hope the "angles" look after you with your next purchase so you aren't the cause of any more disappointment or money lost. Good luck with your property hunt, and finding a seller in the area that isn't aware that you're likely to pull out last minute. All the best! 

Have you considered that if you’re having to correct so many details, that you might have got the wrong person? Regardless, can’t blame someone for pulling out of a house purchase in such circumstances.

it would be hilarious if the OP is not actually who that person thinks they are ....  oh god, almost spilled my tea!

SaraJ96

eidand said:

CheesyWiggles said:

SaraJ96 said:

jtur99 said:

Hi everyone,
We are in the middle of buying a house.  TSB gave us our mortgage, however they are now wanting to back out of this agreement (which I know they are allowed to do) due to the results of a coal mining search.  It has shown that there is a coal mine entry on the footprint of the house.  We have a mortgage advisor who is in the process of trying to get TSB to try and change their mind and let us have the mortgage, but I have heard that this is very hard to do?
We have had to submit evidence to them.  This has included the detailed home buyers survey we had done, which show there is no evidence of subsidence and a report from the coal mining authority that says there were no issues during the latest inspection which was done in Jan 2020.  The report also stated that no-one in the area has claimed against the CMA for subsidence.
The house was built in the 1950s, we have been told that if there was going to be issues due to the coal mine entry then we would have seen evidence of this by now?  We have also had it suggested to us that due to the current pandemic, TSB may not have the man power to deal with a mortgage which could be more complicated due to having furloughed/ill staff.  TSB want to see evidence that it has been 'treated' which from what I can gather means whether it was filled in.  But apparently finding out this information can be quite difficult and it wasn't even mandatory that they had to record this anywhere.
The current owner knew about but it has never been an issue for them  The CMA come to inspect t every 3 years.  They have even had an extension built on the exact location of it.  This had planning permission and passed building regulations.
Does anyone have any experience of this and can share the outcome?  Or know any more about situations like this?
Many thanks in advance.
Sorry for the long post!

Hi, 
It's evident from the coincidences in the information you've stated in this post that the house in question actually belongs to my parents. Their house was built in the 1950's, and their buyers have just pulled out of a 4+ house chain yesterday because TSB would not provide them with a mortgage due to a mine shaft on the property... Maybe next time don't make the details in your post so specific that your sellers can find inside information regarding the sale that you probably don't want them to know.

I'd just like to let you know that a lot of the information you have stated is actually inaccurate and it seems you have been misinformed about some crucial information here. It has never been stated that the mine shaft is under the property or extension so if was you i would get in touch with your solicitor ASAP, also if TSB have been told the shaft is directly under the property then that's probably the reason why your application has been rejected... The mine shaft is actually on the border of garden of this property and the neighboring property. I'd just also like to clarify that my Mum has been open and honest about the mine shaft from day one and has made all parties aware of this, she had no reason not to as she didn't see this to be too much of a concern as she has had several mortgages over the past 20+ years, all of which the lender has been provided with accurate information of where the mine shaft is located.

I'd also just like to point out that the sellers are not "frantic" about you now pulling out of the chain, they are just merely disappointed as anyone would be at this stage. Also waiting until the last minute to renegotiate? - Did you think about all of the other properties in the chain that this would effect? Seems a little selfish personally to be so sly about your intentions. Let hope the "angles" look after you with your next purchase so you aren't the cause of any more disappointment or money lost. Good luck with your property hunt, and finding a seller in the area that isn't aware that you're likely to pull out last minute. All the best! 

Have you considered that if you’re having to correct so many details, that you might have got the wrong person? Regardless, can’t blame someone for pulling out of a house purchase in such circumstances.

it would be hilarious if the OP is not actually who that person thinks they are ....  oh god, almost spilled my tea!

Funny thing is, the Estate agent has confirmed it's them! 

eidand

SaraJ96 said:

eidand said:

CheesyWiggles said:

SaraJ96 said:

jtur99 said:

Hi everyone,
We are in the middle of buying a house.  TSB gave us our mortgage, however they are now wanting to back out of this agreement (which I know they are allowed to do) due to the results of a coal mining search.  It has shown that there is a coal mine entry on the footprint of the house.  We have a mortgage advisor who is in the process of trying to get TSB to try and change their mind and let us have the mortgage, but I have heard that this is very hard to do?
We have had to submit evidence to them.  This has included the detailed home buyers survey we had done, which show there is no evidence of subsidence and a report from the coal mining authority that says there were no issues during the latest inspection which was done in Jan 2020.  The report also stated that no-one in the area has claimed against the CMA for subsidence.
The house was built in the 1950s, we have been told that if there was going to be issues due to the coal mine entry then we would have seen evidence of this by now?  We have also had it suggested to us that due to the current pandemic, TSB may not have the man power to deal with a mortgage which could be more complicated due to having furloughed/ill staff.  TSB want to see evidence that it has been 'treated' which from what I can gather means whether it was filled in.  But apparently finding out this information can be quite difficult and it wasn't even mandatory that they had to record this anywhere.
The current owner knew about but it has never been an issue for them  The CMA come to inspect t every 3 years.  They have even had an extension built on the exact location of it.  This had planning permission and passed building regulations.
Does anyone have any experience of this and can share the outcome?  Or know any more about situations like this?
Many thanks in advance.
Sorry for the long post!

Hi, 
It's evident from the coincidences in the information you've stated in this post that the house in question actually belongs to my parents. Their house was built in the 1950's, and their buyers have just pulled out of a 4+ house chain yesterday because TSB would not provide them with a mortgage due to a mine shaft on the property... Maybe next time don't make the details in your post so specific that your sellers can find inside information regarding the sale that you probably don't want them to know.

I'd just like to let you know that a lot of the information you have stated is actually inaccurate and it seems you have been misinformed about some crucial information here. It has never been stated that the mine shaft is under the property or extension so if was you i would get in touch with your solicitor ASAP, also if TSB have been told the shaft is directly under the property then that's probably the reason why your application has been rejected... The mine shaft is actually on the border of garden of this property and the neighboring property. I'd just also like to clarify that my Mum has been open and honest about the mine shaft from day one and has made all parties aware of this, she had no reason not to as she didn't see this to be too much of a concern as she has had several mortgages over the past 20+ years, all of which the lender has been provided with accurate information of where the mine shaft is located.

I'd also just like to point out that the sellers are not "frantic" about you now pulling out of the chain, they are just merely disappointed as anyone would be at this stage. Also waiting until the last minute to renegotiate? - Did you think about all of the other properties in the chain that this would effect? Seems a little selfish personally to be so sly about your intentions. Let hope the "angles" look after you with your next purchase so you aren't the cause of any more disappointment or money lost. Good luck with your property hunt, and finding a seller in the area that isn't aware that you're likely to pull out last minute. All the best! 

Have you considered that if you’re having to correct so many details, that you might have got the wrong person? Regardless, can’t blame someone for pulling out of a house purchase in such circumstances.

it would be hilarious if the OP is not actually who that person thinks they are ....  oh god, almost spilled my tea!

Funny thing is, the Estate agent has confirmed it's them! 

the estate agent confirmed that a random person on a forum is their client? Yeah, I have a really hard time believing that, sorry

SaraJ96

eidand said:

SaraJ96 said:

eidand said:

CheesyWiggles said:

SaraJ96 said:

jtur99 said:

Hi everyone,
We are in the middle of buying a house.  TSB gave us our mortgage, however they are now wanting to back out of this agreement (which I know they are allowed to do) due to the results of a coal mining search.  It has shown that there is a coal mine entry on the footprint of the house.  We have a mortgage advisor who is in the process of trying to get TSB to try and change their mind and let us have the mortgage, but I have heard that this is very hard to do?
We have had to submit evidence to them.  This has included the detailed home buyers survey we had done, which show there is no evidence of subsidence and a report from the coal mining authority that says there were no issues during the latest inspection which was done in Jan 2020.  The report also stated that no-one in the area has claimed against the CMA for subsidence.
The house was built in the 1950s, we have been told that if there was going to be issues due to the coal mine entry then we would have seen evidence of this by now?  We have also had it suggested to us that due to the current pandemic, TSB may not have the man power to deal with a mortgage which could be more complicated due to having furloughed/ill staff.  TSB want to see evidence that it has been 'treated' which from what I can gather means whether it was filled in.  But apparently finding out this information can be quite difficult and it wasn't even mandatory that they had to record this anywhere.
The current owner knew about but it has never been an issue for them  The CMA come to inspect t every 3 years.  They have even had an extension built on the exact location of it.  This had planning permission and passed building regulations.
Does anyone have any experience of this and can share the outcome?  Or know any more about situations like this?
Many thanks in advance.
Sorry for the long post!

Hi, 
It's evident from the coincidences in the information you've stated in this post that the house in question actually belongs to my parents. Their house was built in the 1950's, and their buyers have just pulled out of a 4+ house chain yesterday because TSB would not provide them with a mortgage due to a mine shaft on the property... Maybe next time don't make the details in your post so specific that your sellers can find inside information regarding the sale that you probably don't want them to know.

I'd just like to let you know that a lot of the information you have stated is actually inaccurate and it seems you have been misinformed about some crucial information here. It has never been stated that the mine shaft is under the property or extension so if was you i would get in touch with your solicitor ASAP, also if TSB have been told the shaft is directly under the property then that's probably the reason why your application has been rejected... The mine shaft is actually on the border of garden of this property and the neighboring property. I'd just also like to clarify that my Mum has been open and honest about the mine shaft from day one and has made all parties aware of this, she had no reason not to as she didn't see this to be too much of a concern as she has had several mortgages over the past 20+ years, all of which the lender has been provided with accurate information of where the mine shaft is located.

I'd also just like to point out that the sellers are not "frantic" about you now pulling out of the chain, they are just merely disappointed as anyone would be at this stage. Also waiting until the last minute to renegotiate? - Did you think about all of the other properties in the chain that this would effect? Seems a little selfish personally to be so sly about your intentions. Let hope the "angles" look after you with your next purchase so you aren't the cause of any more disappointment or money lost. Good luck with your property hunt, and finding a seller in the area that isn't aware that you're likely to pull out last minute. All the best! 

Have you considered that if you’re having to correct so many details, that you might have got the wrong person? Regardless, can’t blame someone for pulling out of a house purchase in such circumstances.

it would be hilarious if the OP is not actually who that person thinks they are ....  oh god, almost spilled my tea!

Funny thing is, the Estate agent has confirmed it's them! 

the estate agent confirmed that a random person on a forum is their client? Yeah, I have a really hard time believing that, sorry

Don't be sorry, If it isn't them then there's nothing to worry about is there.  If it is, then they've been given some facts about the actual circumstance and they can ask the questions to their solicitor and use this as a learning curve for their next purchase. If by some miracle it's the wrong person then please accept my deepest apologies for passing on the information. 

SameOldRoundabout

SaraJ96, I think you’re being a bit overly snarky. I can’t see anything the OP has written that would make it okay to threaten to spread word in the area that the OP may gazunder. He is absolutely within his rights to post here for advice, and I think anyone who didn’t have second thoughts given the information he’s been given would be mad! He clearly thinks the shaft is under the extension as stated in post one, if that’s not the case it is not his fault he has been misinformed. I don’t think trying to publicly shame someone who has not in any manner criticised the vendors or tried to be sly or sneaky is a particularly nice or fair thing to do. 

I’d find another property OP