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Find the SecondStar and soar, and then straight on till the morning…

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Comments

  • SecondStar
    SecondStar Posts: 500 Forumite
    100 Posts Second Anniversary Name Dropper
    No real updates, unfortunately.

    The solicitor my ex said he was using never actually did any work, because he never actually properly instructed them. Yet according to him, it was them ‘messing around’, rather than him being a lazy b.

    After a few short, sharp conversations, he’s instructed another firm last week.

    I’m hoping we see some swift forward movement now, it’s coming up on 8 weeks since my offer was accepted, and this could’ve been done and dusted by now.

    I’m excited for the day that I’m finally free of him.
    ‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’

    Frugal living in 2024.

    3-month Emergency Fund: £3,582.85 / £3,500 ! 
  • KajiKita
    KajiKita Posts: 5,226 Forumite
    1,000 Posts Third Anniversary Name Dropper Photogenic
    Awww heck ….. soooooo frustrating! 😢

    It will happen, hang on in there. Sending hugs. 

    KK x

    How’s all the other prep and planning going? 
    Will there be the biggest little-house warming in the history of house warmings? 😉😊
    As at 16.10.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £245,528
    - OPs to mortgage = £7,173, Interest saved £2,658 to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 36 books of target 52 in 2024 (as @ 30th October)
    Produce tracker: £173 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • short_bird
    short_bird Posts: 3,829 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hope things are picking up for you...
    Cancel the kitchen scraps for lepers and orphans, no more merciful beheadings, and call off Christmas.
  • KajiKita
    KajiKita Posts: 5,226 Forumite
    1,000 Posts Third Anniversary Name Dropper Photogenic
    I’m hanging on in here with you too 😊

    KK
    As at 16.10.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £245,528
    - OPs to mortgage = £7,173, Interest saved £2,658 to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 36 books of target 52 in 2024 (as @ 30th October)
    Produce tracker: £173 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • SecondStar
    SecondStar Posts: 500 Forumite
    100 Posts Second Anniversary Name Dropper
    I wish I had some news to share with you!

    He asked for confirmation of my representation on Thursday 16th (was the 3rd time I’d told him…) and there’s been nothing since. He was told it would take about a week - presumably the firm are drawing up the transfer of equity document.

    I’ll be asking him to get in touch with them for an update tomorrow, and if there’s nothing forthcoming by Wednesday than I’ll be asking my solicitor to reach out to them and enquire. 

    Had my seller’s estate agent on the phone last Tuesday asking for updates - there was no reason at all to prevent us from completing in 8-10 weeks, other than my ex being a useless, lazy a-hole. It’ll be 9 weeks since offer accepted on this Tuesday coming.

    My tolerance is wearing very thin.
    ‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’

    Frugal living in 2024.

    3-month Emergency Fund: £3,582.85 / £3,500 ! 
  • Chrystal
    Chrystal Posts: 1,934 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Just be thankful you got rid of him... imagine carrying that burden around for the rest of his natural!

    Hope you hear something positive soon.  XX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • KajiKita
    KajiKita Posts: 5,226 Forumite
    1,000 Posts Third Anniversary Name Dropper Photogenic
    Oh how frustrating! 

    I’d be reaching out via your solicitor this Tuesday - instruct them today. Enough is enough.

    Sending rocket vibes! 🚀🚀🚀🚀🚀🚀🚀

    KK
    As at 16.10.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £245,528
    - OPs to mortgage = £7,173, Interest saved £2,658 to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 36 books of target 52 in 2024 (as @ 30th October)
    Produce tracker: £173 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • SecondStar
    SecondStar Posts: 500 Forumite
    100 Posts Second Anniversary Name Dropper
    Thank you both!

    I had so hoped we could both be grown ups about this, and could each take responsibility. Except I forgot that he’s utterly incapable of taking any sort of responsibility.

    It feels as though the time for assuming that he will act promptly, with decency, and on a conversational level rather than a legal one has rather gone out the window.
    ‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’

    Frugal living in 2024.

    3-month Emergency Fund: £3,582.85 / £3,500 ! 
  • KajiKita
    KajiKita Posts: 5,226 Forumite
    1,000 Posts Third Anniversary Name Dropper Photogenic
    Did you nudge the process on via your solicitor today (I think you said you were aiming for today - this week has been rather a blur ….)? 

    KK
    As at 16.10.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £245,528
    - OPs to mortgage = £7,173, Interest saved £2,658 to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 36 books of target 52 in 2024 (as @ 30th October)
    Produce tracker: £173 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • SecondStar
    SecondStar Posts: 500 Forumite
    100 Posts Second Anniversary Name Dropper
    Yeah, I spoke with my solicitor on the 29th - he replied within 20 minutes, with a detailed, clear, useful response!

    The latest update is that my ex’s solicitor has requested the house title deeds from his new lender’s solicitor on the 16th. Once those have arrived, my ex’s solicitor can draw up the equity transfer document, which can then be signed by him & sent to my solicitor for me to sign.

    Once that’s done, his new mortgage can be drawn down to pay off the old mortgage, and my equity can be transferred to me, and then I’m finally free of him and can arrange my exchange/completion.

    I’m hoping the deeds will arrive before Good Friday, so the equity document can be drawn up the following week, or the week after to accommodate time off over Easter.

    I’ve only got 6 weeks left before I have to move out of my friend’s house. It’s wild that I was assuming there was so much time between December and May - and there would’ve been plenty of time, if he’d actually been proactive at all! 
    ‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’

    Frugal living in 2024.

    3-month Emergency Fund: £3,582.85 / £3,500 ! 
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