Completion is meant to be today but might not happen

Help and advice please

Our completion was set for today, we have asked our solicitor multiple times over the last 2 weeks that we were all good for today. Then at 3pm last night we email our solicitor to check once again, and no, apparently we are not all good for tomorrow.

The lender isn't releasing the funds as they have requested a structural engineers report.

But we knew this, and we sent it to our solicitors on 1st of February, nearly 3 months ago!

Apparently our solicitor sent it to them on Tuesday but the mortgage company never received it.

Theres a chance they might look at it today as its now been sent. But "the surveyors do site visits in the morning and afternoon and review documents in the evening".

It's a 2 page document so I don't honestly see why the lender can't make an exception and review ours earlier but whatever.

All our stuff is in boxes, we don't even have a TV. We don't have any food in the house. All our utilities are set to stop and move on to our new place. We have a house check for a rescue dog tomorrow.

I honestly don't know what to do. I don't even care who's fault it is (well I will care once we've moved I don't have the energy to care right now). We NEED to move today, especially with the bank holiday.

Can anyone suggest ANYTHING? Please? 

Replies

  • user1977user1977 Forumite
    9.2K Posts
    1,000 Posts Fourth Anniversary Name Dropper Combo Breaker
    Forumite
    People might be able to give more specific advice if you told us who the lender is.
  • HanbalHanbal Forumite
    4 Posts
    First Post
    Newbie
    user1977 said:
    People might be able to give more specific advice if you told us who the lender is.
    It's Santander 
  • ACGACG Forumite
    22.7K Posts
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Forumite
    The people at Santander are not surveyors, they are not qualified. 

    As stressful as I imagine this will be, it is what it is. It is completely outside of your control. You just have to sit back and see how it plays out. You can obviously put in a claim against the solicitors once you know if you incur any costs. 

    In the nicest possible way why on earth would you book in a house check less than 24 hours of moving into the property. That seems like a bit of a stupid thing to do. What happens if you move in and there is a leak, no electric, no heating etc? 

    I would suspect a decent firm of solicitors will have the head honcho on this right up until 5pm if necessary. If you have not already, you probably need to make a complaint and make sure there is someone looking into this and is on top of it until the very last minute and in contact with Santander. 
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • getmore4lessgetmore4less Forumite
    46.8K Posts
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Forumite
    Completing on a Friday is always a risk.

    BH weekends just increase any risk as you have fewer people working and it can be Tuesday before things can get done 
  • MWTMWT Forumite
    8.1K Posts
    1,000 Posts Third Anniversary Name Dropper
    Forumite
    Hanbal said:
    All our utilities are set to stop and move on to our new place. We have a house check for a rescue dog tomorrow.
    Sorry to hear the stress you are in right now and I know this isn't why you posted, but just to avoid further stress in your future, don't forget to register with the existing gas and electricity suppliers at your new address before you attempt to switch to your preferred (current?) suppliers.

    If you attempt to just register with your current suppliers at the new address bad things will happen in non-obvious ways that can leave you dealing with a lot of problems down the line.

  • edited 30 April 2021 at 9:54AM
    ThrugelmirThrugelmir Forumite
    89.5K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    edited 30 April 2021 at 9:54AM
    Who set completion for today, two weeks ago?  As doesn't appear that you've even exchanged contracts. 

    It's a 2 page document so I don't honestly see why the lender can't make an exception and review ours earlier but whatever.

    Everybody would wish to be treated as an exception and have somebody personally walk their application through the entire process. Mortgage lender most likely has it. Just sitting in a work queue to be processed,
Sign In or Register to comment.
Latest MSE News and Guides

Check your Clubcard vouchers

Use our trick to extend them

MSE News

Preparing for summer

What MoneySaving things can you do now to get ready?

MSE Forum

Hot Diamonds 40% off code

Including already-reduced outlet stock

MSE Deals