PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.

Knotweed - treated and insured - do i need to declare on TA-6?

Disjoint
Disjoint Posts: 181 Forumite
Eighth Anniversary 100 Posts Name Dropper Combo Breaker
edited 25 April 2021 at 5:02PM in House buying, renting & selling
Hi all - so debating whether to pay for the 10 year insurance policy at the moment for my Japanese Knotweed. It's a £600 policy with a max cap of £3,000 of treatment and valid 10 years, in other words just part of the ongoing rip off that is Japanese knotweed treatment and the baffling stupidity of our government at not addressing it and allowing mortgage companies with getting away by refusing mortgages. 

I read that now that I have treated the knotweed I can simply check that I do not know whether I have knotweed or not on the TA-6 form (the questionnaire filled out to the buyer).
If the buyer then gets knotweed on his land and finds out from a neighbor that I had the garden treated in the past - can they turn against me? (I genuinely don't know whether the knotweed is still there or not, it hasn't showed its ugly head since being treated).

From my perspective: I paid the stupid sticker price to get the knotweed treated. It's gone. If it comes back you can get glysophate on Amazon and just treat them yourself again instead of calling a company to do it, or if I paid for the insurance to have them come back. However, if I must tell that I have knotweed to a future buyer, then I'd rather pay for the insurance and have it included in the sale so that they can have some sort of peace of mind. 

So question is: I have treated the knotweed officially via a certified company. I will write "Do not know" on the survey when it comes to sell and not say anything else. Can the buyer then turn against me on the knotweed issue in the future? Easy to prove I knew about it as we were four properties that got together to address the problem.
«1

Comments

  • teachfast
    teachfast Posts: 633 Forumite
    500 Posts First Anniversary Name Dropper
    Will depend on the wording of the question asked.
  • 'Has the property been affected by Japanese Knotweed' is the question.  So you will answer 'Yes'.

    If the question was 'Is there Japanese Knotweed on the property' then you could answer 'Don't Know' (even though its a bit grey area) 

    But thats not the question so you will answer Yes as your property has been affected by it
  • Disjoint
    Disjoint Posts: 181 Forumite
    Eighth Anniversary 100 Posts Name Dropper Combo Breaker
    I might be reading this wrong, but here is the answer on the new TA-6 introduced in 2020. I am reading that I can write not known, but maybe it's my understanding of English that is deficient at the moment.

    Question 7.8 The seller should state whether the property is affected by Japanese knotweed. If you are unsure that Japanese knotweed exists above or below ground or whether it has previously been managed on the property, please indicate this as ‘Not known’. If No is chosen as an answer the seller must be certain that no rhizome (root) is present in the ground of the property, or within 3 metres of the property boundary even if there are no visible signs above ground. [...] A Japanese knotweed management plan can help to control the spread of Japanese knotweed and manage its regrowth. Japanese knotweed management plans should provide a record of works carried out to control the Japanese knotweed. They can provide reassurance to mortgage lenders who may be concerned about the impact of Japanese knotweed on the value of the property.

    Ensure that all works are carried out by a reputable contractor who is able to indemnify the works through provision of an insurance-backed guarantee. Sellers should provide a copy of any Japanese knotweed management plan to the buyer and evidence of insurance cover relating to the plan. 
  • teachfast
    teachfast Posts: 633 Forumite
    500 Posts First Anniversary Name Dropper
    Actually the question on the standard form is,

    "Is the property affected by Japanese Knotweed"

    Then goes on to ask if a treatment plan is in place if the answer was yes. 
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    1,000 Posts Second Anniversary Name Dropper
    edited 25 April 2021 at 5:20PM
     If you are unsure that Japanese knotweed exists above or below ground or whether it has previously been managed on the property, please indicate this as ‘Not known’

    You aren't unsure if it has previously been managed so you cant answer Dont Know. You are 100% certain it has previously been managed 
  • AdrianC
    AdrianC Posts: 42,189 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper
    Disjoint said:

    If you are unsure that Japanese knotweed exists above or below ground or whether it has previously been managed on the property, please indicate this as ‘Not known’.
    I must be parsing that sentence differently to you.

    I read it as...

    If you are unsure (that Japanese knotweed exists above or below ground) or (whether it has previously been managed on the property), please indicate this as ‘Not known’

    You are sure that it has been treated, because you have the guarantee for the treatment. Therefore you cannot say "not known".
  • Disjoint
    Disjoint Posts: 181 Forumite
    Eighth Anniversary 100 Posts Name Dropper Combo Breaker
    AdrianC said:
    Disjoint said:

    If you are unsure that Japanese knotweed exists above or below ground or whether it has previously been managed on the property, please indicate this as ‘Not known’.
    I must be parsing that sentence differently to you.

    I read it as...

    If you are unsure (that Japanese knotweed exists above or below ground) or (whether it has previously been managed on the property), please indicate this as ‘Not known’

    You are sure that it has been treated, because you have the guarantee for the treatment. Therefore you cannot say "not known".
    I got excited a bit too fast... Thanks for clarifying - I was reading it the wrong way initially.
    I'll go ahead and cough up the insurance money... It is a clear YES then.

    "Is the property affected by Japanese Knotweed" - not sure as I supposedly killed the knotweed so at present there is no Japanese Knotweed that are affecting the property. Althought don't think that will stand in court ))
  • robatwork
    robatwork Posts: 7,249 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Disjoint said:

    Question 7.8 The seller should state whether the property is affected by Japanese knotweed. If you are unsure that Japanese knotweed exists above or below ground or whether it has previously been managed on the property, please indicate this as ‘Not known’. If No is chosen as an answer the seller must be certain that no rhizome (root) is present in the ground of the property, or within 3 metres of the property boundary even if there are no visible signs above ground.
    This has come up before, and the conclusion is that this is a preposterous clause. It's really impossible (without major excavation of your and neigbouring properties) to ever answer No. The word certain rather than reasonably certain is a doozy. 
  • AdrianC
    AdrianC Posts: 42,189 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper
    At the very simplest level, if it wasn't affected, why is there a guarantee for treatment that wouldn't have been needed...?
  • robatwork said:
    Disjoint said:

    Question 7.8 The seller should state whether the property is affected by Japanese knotweed. If you are unsure that Japanese knotweed exists above or below ground or whether it has previously been managed on the property, please indicate this as ‘Not known’. If No is chosen as an answer the seller must be certain that no rhizome (root) is present in the ground of the property, or within 3 metres of the property boundary even if there are no visible signs above ground.
    This has come up before, and the conclusion is that this is a preposterous clause. It's really impossible (without major excavation of your and neigbouring properties) to ever answer No. The word certain rather than reasonably certain is a doozy. 
    Guidance changed to point sellers towards 'dont know' and then put the onus on the buyer to investigate.  You are right, 'No' is an impossible stance to take
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 349.8K Banking & Borrowing
  • 252.6K Reduce Debt & Boost Income
  • 453K Spending & Discounts
  • 242.8K Work, Benefits & Business
  • 619.6K Mortgages, Homes & Bills
  • 176.4K Life & Family
  • 255.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.