Failure to complete

csgohan4

michael1234 said:

ellieh01 said:

You don’t seem able to change your mind that it’s my fault. I don’t think it’s my fault at all. Let’s leave it here. I won’t use this forum again! Cheerio 

That is a real shame and you'll be added to a long list of people who take the time to post their sometimes desperate situation only to be given a dressing down by a small minority of prolific posters. It needs sorting out.

Being given reality instead  'it's fine hun you'll be ok' is not the purpose of this forum. If you want rose tinted view of things, Mums net is your go to where everyone will tree hug you
.
Factual information was given and OP didn't like it. Remember who remortgaged in the first place before completion? certainly wasn't us or the solicitor. 

Section62

rose_T said:

I am 100% sure she knows the mistake that was made without 11 pages of reply’s saying the same thing over and over which is her fault! 

One comment read it wasn’t to belittle her but educate!. All I read was comments saying it was her fault and what did she expect etc, which isn’t helpful specially when she was already panicking of losing her sale/buy. 

I understand as humans we all do stupid things every now and then but to badger someone who is asking for advice is totally wrong!! What happened to be kind??? 

Before you reply and say you were helping actually go back and read your comments! 

I'm not going to get into the rights and wrongs of individual posts made earlier in the thread, but in your analysis of the situation you've possibly overlooked the point that in the very first post the advice sought was -

"If not, whose fault is it, who should we take legal action against for damages?"

You can't reasonably complain that forum members were giving their best advice on that specific point. The question was asked and answered.  You'd need to analyse more deeply to understand why the point was repeated so many times.

user1977

csgohan4 said:

michael1234 said:

ellieh01 said:

You don’t seem able to change your mind that it’s my fault. I don’t think it’s my fault at all. Let’s leave it here. I won’t use this forum again! Cheerio 

That is a real shame and you'll be added to a long list of people who take the time to post their sometimes desperate situation only to be given a dressing down by a small minority of prolific posters. It needs sorting out.

Being given reality instead  'it's fine hun you'll be ok' is not the purpose of this forum. If you want rose tinted view of things, Mumsnet is your go to where everyone will tree hug you

Actually it looks like even Mumsnet gave her much the same response!

GoogleMeNow

The mumsnet thread is only 16 posts long, yes much the same response but much less information given by the OP.

Anyway, all sorted now thankfully.

michael1234

csgohan4 said:

michael1234 said:

ellieh01 said:

You don’t seem able to change your mind that it’s my fault. I don’t think it’s my fault at all. Let’s leave it here. I won’t use this forum again! Cheerio 

That is a real shame and you'll be added to a long list of people who take the time to post their sometimes desperate situation only to be given a dressing down by a small minority of prolific posters. It needs sorting out.

Being given reality instead  'it's fine hun you'll be ok' is not the purpose of this forum. If you want rose tinted view of things, Mums net is your go to where everyone will tree hug you
.
Factual information was given and OP didn't like it. Remember who remortgaged in the first place before completion? certainly wasn't us or the solicitor. 

If factual information was given in a condescending manner that maybe might be ok. But it wasn't factual. The OP herself has shown it wasn't fact. If it had been given as "I think that..." instead of presented as absolute fact that would be better.

Is it fact that one shouldn't remortgage close to a house sale? And how close is close - how many days before is the cut off point? 

So both the message and the presentation needs some work. There's a reason one of the forum rules is to not be unfriendly.

TripleH

Some urgent issues that need fixing don't need too much wool. They need to be tackled face on because time is short.

The time for identifying fault is once an issue is resolved. If you are facing eviction or a near collapse House sale you need to know how to fix the problem now, law is not particularly emotional there is a 'right and a wrong' answer to a problem.

I am blunt in asking questions at times, but mainly if I post early on a thread and feel there is more information needed.

m0bov

ellieh01 said:

I'm meant to complete (on both a sale and a simultaneous purchase) on Tuesday, but have just today been told by our solicitors that our previous lender's charge has not yet been removed from the title on the property we're selling. We switched from this lender to a new lender in August (a remortgage). 

The solicitor apparently was unaware that this remortgage had even happened. The remortgage was a quick procedure managed by a conveyancer appointed by our broker. 

I'm now so worried that completion won't happen as a result. The solicitor emailed at 5pm with no discussion of what would happen if the charge was not removed. They have already received verbal confirmation of removal, but not written. They've been waiting for this since we exchanged, apparently. 

Can we complete anyway? If not, whose fault is it, who should we take legal action against for damages?

Help!

OP, I'm glad you got it sorted in the end. 

Thrugelmir

Not accepting personal responsibility seems to be a cultural issue in this country. Whether it be stockpiling toilet rolls,  buying petrol that's not needed, or simply looking to blame another party because something has gone awry.  

AdrianC

TripleH said:

The time for identifying fault is once an issue is resolved.

Responses on the first page of the thread (evening of Fri 24th) identified the two options available.

1. Solicitor's undertaking - on page 8 (evening of Mon 27th) it was revealed that this had been offered, but rejected by the buyer.

2. Wait for LR to finish processing the change of charge - this turned out to happen far quicker than expected, and was the solution that saved the OP's transaction.

GDB2222

AdrianC said:

TripleH said:

The time for identifying fault is once an issue is resolved.

Responses on the first page of the thread (evening of Fri 24th) identified the two options available.

1. Solicitor's undertaking - on page 8 (evening of Mon 27th) it was revealed that this had been offered, but rejected by the buyer.

2. Wait for LR to finish processing the change of charge - this turned out to happen far quicker than expected, and was the solution that saved the OP's transaction.

I very much doubt that this was just by chance. Someone begged the LR to put this at the top of the queue, and the LR very helpfully obliged.