Just a moan...

HCIMbtw

Comms69 said:

I dont understand what the issue actually is?

Bad mortgage product? You seem to be ranting against really very minor stuff.

Not really just the fickle nature of vendors, agents and the uncertainty of the whole buying process tbh

Sphynx

It’s the emotional investment and roller coaster that’s hard. Losing that house that you know will fit you and your family and settling because that’s what’s available in the 2 week window you feel able to search before you lose your buyer or have to rent. Ugh. Moan away, I’m with you. 

HCIMbtw

blue_max_3 said:

It's not that unusual unfortunately. I definitely think the whole system needs a review. Maybe you're better off going back to rented before your SVR rate kicks in. There's a possibility that people will be begging you to buy in the coming months.

Yeah have considered this.. attitude from the start was we can always stay where we are and that might be what we resign ourselves to or just stretching out the process.. don't want to mess our buyers around either though, like just playing it all with a straight bat

bpj said:

HCIMbtw said:

in the meantime my mortgage will be reverting to SVR at the end of September so I can look forward to paying an extra £600pm on my mortgage until we find somewhere..

Commiserations on your run of bad luck. On this last point, can you not transfer onto a tracker mortgage with your current lender?

They don't have a tracker available.. am thinking about switching to First Direct tracker at the moment but might be difficult with a sales board out front.. all hanging on if we are buying somewhere though as sucking up SVR for a month or 2 and jsut moving is probs easiest.. 

moneysavinghero said:

I got bored and stopped reading the whole post. But on point 1:

It is not up to your vendor to tell you about any planning permission. That is for you to do your research on before making an offer. Your solicitor should also do these searches as a matter of course and inform you. You can then decide whether or not you wish to proceed.

It was a funny one this.. because no planning requests will show on the searches, the houses in the area received a notifcation that planning permission would be submitted a month out from completion. As we don't live in the area or receive post we could never know. The vendor doesn't have to tell us (just pretend they didn't receive the letter).. just a bit of crappy thing.. can't really blame anything and not looking to.. just ranting a bit

babyblade41 said:

6 months before I sell, I put my criteria into RM and all set up notifications.. I keep favourites as each one comes up that fits the criteria loosely.

When I'm under offer I'll work through the list and whittle down until I'm left with about 4-5 properties (hopefully a few more)  I have a days worth of viewing and then come to my decision, 

I would have checked sold prices before arranging a viewing to make sure of what to offer and then my due diligence is pretty much done apart from checking LR for the properties first 

I hand over to my trusted solicitor and leave the rest to them 

Appears your area is a little easier to buy in.. if I've waited 2 weeks i've already missed it around here!

RelievedSheff said:

Posts like this make me realise just how straight forward our two house purchases have been!

Congratulations, sincerely, hope for everyone's purchases to simple as well 

HCIMbtw

moneysavinghero said:

I got bored and stopped reading the whole post. But on point 1:

It is not up to your vendor to tell you about any planning permission. That is for you to do your research on before making an offer. Your solicitor should also do these searches as a matter of course and inform you. You can then decide whether or not you wish to proceed.

p.s. do not blame you at all for not reading xD, writing has never be my forte and its mostly a block of negative text!

[Deleted User]

HCIMbtw said:

moneysavinghero said:

I got bored and stopped reading the whole post. But on point 1:

It is not up to your vendor to tell you about any planning permission. That is for you to do your research on before making an offer. Your solicitor should also do these searches as a matter of course and inform you. You can then decide whether or not you wish to proceed.

It was a funny one this.. because no planning requests will show on the searches, the houses in the area received a notifcation that planning permission would be submitted a month out from completion. As we don't live in the area or receive post we could never know. The vendor doesn't have to tell us (just pretend they didn't receive the letter).. just a bit of crappy thing.. can't really blame anything and not looking to.. just ranting a bit

It is a bit crappy yes, but you gotta put yourself in the vendors shoes. If you were a month away from completion and you got a letter through your door telling you that 300 houses were being planned for the back of your house, can you honestly say that you would have been straight onto the phone to your buyers telling them the bad news, knowing full well theres a good chance they'll pull out?

I doubt you would. 

HCIMbtw

Deleted_User said:

HCIMbtw said:

moneysavinghero said:

I got bored and stopped reading the whole post. But on point 1:

It is not up to your vendor to tell you about any planning permission. That is for you to do your research on before making an offer. Your solicitor should also do these searches as a matter of course and inform you. You can then decide whether or not you wish to proceed.

It was a funny one this.. because no planning requests will show on the searches, the houses in the area received a notifcation that planning permission would be submitted a month out from completion. As we don't live in the area or receive post we could never know. The vendor doesn't have to tell us (just pretend they didn't receive the letter).. just a bit of crappy thing.. can't really blame anything and not looking to.. just ranting a bit

It is a bit crappy yes, but you gotta put yourself in the vendors shoes. If you were a month away from completion and you got a letter through your door telling you that 300 houses were being planned for the back of your house, can you honestly say that you would have been straight onto the phone to your buyers telling them the bad news, knowing full well theres a good chance they'll pull out?

I doubt you would. 

I think you missed the part of the comment where I wasn't really blaming them.. 

There are definitely people with more integrity than me or you though who would though. 

[Deleted User]

HCIMbtw said:

Deleted_User said:

HCIMbtw said:

moneysavinghero said:

I got bored and stopped reading the whole post. But on point 1:

It is not up to your vendor to tell you about any planning permission. That is for you to do your research on before making an offer. Your solicitor should also do these searches as a matter of course and inform you. You can then decide whether or not you wish to proceed.

It was a funny one this.. because no planning requests will show on the searches, the houses in the area received a notifcation that planning permission would be submitted a month out from completion. As we don't live in the area or receive post we could never know. The vendor doesn't have to tell us (just pretend they didn't receive the letter).. just a bit of crappy thing.. can't really blame anything and not looking to.. just ranting a bit

It is a bit crappy yes, but you gotta put yourself in the vendors shoes. If you were a month away from completion and you got a letter through your door telling you that 300 houses were being planned for the back of your house, can you honestly say that you would have been straight onto the phone to your buyers telling them the bad news, knowing full well theres a good chance they'll pull out?

I doubt you would. 

I think you missed the part of the comment where I wasn't really blaming them.. just outlining it is crappy to be on the receiving end of 

I didn't say you were blaming them........ and you didn't answer my question. 

HCIMbtw

Deleted_User said:

HCIMbtw said:

Deleted_User said:

HCIMbtw said:

moneysavinghero said:

I got bored and stopped reading the whole post. But on point 1:

It is not up to your vendor to tell you about any planning permission. That is for you to do your research on before making an offer. Your solicitor should also do these searches as a matter of course and inform you. You can then decide whether or not you wish to proceed.

It was a funny one this.. because no planning requests will show on the searches, the houses in the area received a notifcation that planning permission would be submitted a month out from completion. As we don't live in the area or receive post we could never know. The vendor doesn't have to tell us (just pretend they didn't receive the letter).. just a bit of crappy thing.. can't really blame anything and not looking to.. just ranting a bit

It is a bit crappy yes, but you gotta put yourself in the vendors shoes. If you were a month away from completion and you got a letter through your door telling you that 300 houses were being planned for the back of your house, can you honestly say that you would have been straight onto the phone to your buyers telling them the bad news, knowing full well theres a good chance they'll pull out?

I doubt you would. 

I think you missed the part of the comment where I wasn't really blaming them.. just outlining it is crappy to be on the receiving end of 

I didn't say you were blaming them........ and you didn't answer my question. 

its hard to answer the theoretical scenario... especially when I could only piece together what had happened after moving in and speaking with neighbours and that was some years ago now. I would have either said to my wife ignore the letter and lets get out of here, or provided just some of the information, something to the extent on notifying the solicitor the house in the neighborhood have received a letter regarding intentions to submit a planning application on the fields.. and not have provided any further detail 

seradane

DoaM said:

seradane said:

Comms69 said:

I dont understand what the issue actually is?

Bad mortgage product? You seem to be ranting against really very minor stuff.

It's depressing that some people consider situations like the above perfectly normal, 'minor' stuff... yes ok fine we're not starving or homeless but surely anyone can see this system isn't working and needs improving?

Are you related to the OP?

No, just using "we" in the you, me & everyone else here sense, and preempting someone making the 'oh kids are starving in Africa you can't complain' argument. Admittedly I'm making an assumption the OP is not homeless or starving, but that doesn't seem like too much of a stretch by the nature of his post...

bearclaws

OP, it’s fine to have a moan - you’ve had a lot of bad luck. Buying a house is bloody difficult, you have my sympathies!