Help with buying house. Basement WC is outside title plan

warby68

Just as an aside, but mortgage related, where is the kitchen now? The former one appears to now be a bedroom and nothing on the plans.

diggingdude

warby68 said:

Just as an aside, but mortgage related, where is the kitchen now? The former one appears to now be a bedroom and nothing on the plans.

I was just about to ask that myself 

user1977

diggingdude said:

warby68 said:

Just as an aside, but mortgage related, where is the kitchen now? The former one appears to now be a bedroom and nothing on the plans.

I was just about to ask that myself 

I would expect the "dining room" does in fact incorporate a kitchen. 

taklamakan

Just an update that I didn't proceed with the purchase of the property and pulled out early as the sale looked like a messy one and I wasn't prepared to deal with it. Thanks for your input anyway!

Bendy_House

Thanks for the update. And I don't blame you.  I suspect the EAs know they'll have a headache with this one.

I was going to ask if you could take a photo of the outside of the loo, to see how it's built, and whether there's a chance it could have been an old feature that has been turned into a loo, but hey.

I suspect the/a previous owner was simply a chancer...

'Indemnity insurance' was mentioned earlier as an option. I've never fully understood just what this can do to protect a buyer? I doubt very much the purchase would then simply be 'safe', and this insurance will cover any action taken to have the loo removed? I mean, if that loo has to go, then it has to go...

Is it, instead, that it shouldn't COST you anything if the worst case happens? Ie, it would, perhaps, cover legal fees to try and defend a challenge to it, and - if/when presumably 'lost' - might then cover the cost of its removal and making good?

If so, then indemnity insurance could be seen as "the risk is worth taking, I might get away with it, and worst case is it doesn't cost me anything! Oh, and I should make my offer on the place on the basis that I COULD lose the naughty bit."?

user1977

Bendy_House said:

I was going to ask if you could take a photo of the outside of the loo

Would be a bit difficult, given it's underground

'Indemnity insurance' was mentioned earlier as an option. I've never fully understood just what this can do to protect a buyer? I doubt very much the purchase would then simply be 'safe', and this insurance will cover any action taken to have the loo removed? I mean, if that loo has to go, then it has to go...

Is it, instead, that it shouldn't COST you anything if the worst case happens? Ie, it would, perhaps, cover legal fees to try and defend a challenge to it, and - if/when presumably 'lost' - might then cover the cost of its removal and making good?

Generally, indemnity insurance covers the cost of defending an action by a third party (or paying them off), and if that doesn't work, ultimately it pays out for the loss in value of the property (up to the full price paid if it's something which renders the whole thing valueless).

Bendy_House

user1977 said:

Would be a bit difficult, given it's underground

Is it? I thought it was in an open passageway?

Bendy_House

user1977 said:

'Indemnity insurance' was mentioned earlier as an option. I've never fully understood just what this can do to protect a buyer? I doubt very much the purchase would then simply be 'safe', and this insurance will cover any action taken to have the loo removed? I mean, if that loo has to go, then it has to go...

Is it, instead, that it shouldn't COST you anything if the worst case happens? Ie, it would, perhaps, cover legal fees to try and defend a challenge to it, and - if/when presumably 'lost' - might then cover the cost of its removal and making good?

Generally, indemnity insurance covers the cost of defending an action by a third party (or paying them off), and if that doesn't work, ultimately it pays out for the loss in value of the property (up to the full price paid if it's something which renders the whole thing valueless).

So pretty useful, then! Cheers.

user1977

Bendy_House said:

user1977 said:

Would be a bit difficult, given it's underground

Is it? I thought it was in an open passageway?

OP described it as in a basement, under an alleyway.

Bendy_House

user1977 said:

Bendy_House said:

user1977 said:

Would be a bit difficult, given it's underground

Is it? I thought it was in an open passageway?

OP described it as in a basement, under an alleyway.

Ah. I suspect they meant it was in a covered alleyway, but I don't know.

The alleyway belongs to the neighbouring property, and the OP seemingly has a RoW, so this loo location seems highly dodgy.