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

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  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    So is the process rolling now and your ex’s ‘inertia’ (being polite here 😉) will no longer be able to stymie the process?

    Is the end of May an absolute cut off date …?

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • SecondStar
    SecondStar Posts: 641 Forumite
    500 Posts Third Anniversary Name Dropper
    Process is definitely rolling. Now if there are any delays, they can be dealt with solicitor to solicitor.

    So my friend had a pre-agreed arrangement with another friend that they would come and be her lodger when their rental contract is up, which is 1st June. 15th May is when they’ll need to start moving their stuff in and prepping the room that I’m currently living in.

    Several months ago, my ex had said that he wouldn’t see me ‘out in the streets’ if my purchase hadn’t gone through post-15th May, even if the title transfer had done. He said he’d let me come back and stay, even if it wasn’t my house anymore.

    Who knows if that still stands, but regardless that’s not something I’d entertain if I had any other choice.

    Realistically, if I’ve not completed by 15th May, then I’ll likely be moving to a blow up mattress in some part of my friend’s house. She does have a 3rd bedroom, but it’s used as an office/art studio. If it’s just for a couple of weeks then I might be able to stay in there.

    It’s incredibly frustrating - if he had been proactive in January, at the same time as me, I could’ve been completed & moved in before Easter!
    ‘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.
    Frugal living in 2025.

    261 No Spend Days in 2024!

    3-month Emergency Fund: £3,500 / £3,500 - DONE!
    1k Pet Emergency Fund - £1,000 / £1,000 - DONE!

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  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    But if he’d been the sort to be that proactive you probably would still be with him ….? 😊

    It’s getting closer, it’s really positive that it’s just solicitor to solicitor now (find out what holidays they have booked - seriously!) and I’m glad your friend should be able to offer some compromise. 

    KK


    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • SecondStar
    SecondStar Posts: 641 Forumite
    500 Posts Third Anniversary Name Dropper
    Can’t believe I’m having to write this!

    The second firm he instructed 3 weeks ago quoted him for drawing up the equity transfer deed, got in touch with my solicitor to confirm details, and told my solicitor that the work would start in about 3 weeks, once they had requested the house title deeds.

    Yesterday we found out that this second solicitor has basically de-instructed themselves. They want to do the title transfer doc AND the equity transfer doc. Except that the title transfer doc has already been drawn up by my ex’s new lender’s solicitor - we only need the equity doc. Apparently that’s ‘not worth their time’ to do. Despite having already quoted, and told all parties that they had started the work.

    So it’s back to the drawing board trying to find him a THIRD solicitor, and another utterly wasted 3 weeks.

    He’s calling round places today, I’ll be calling my solicitor to see if someone else in his form can handle this, or if not does he have any recs.

    My friend is at her wits end with having me here. There’s no chance I’ll be completed by 15th May which is my deadline for having to leave here. My ex has said so generously said I can move back in, except that even just talking to me for 5 mins was making him crawl out of his skin with awkwardness. If he’d just bloody well done SOMETHING back in January, then none of this would’ve been an issue.

    I just want to be moved in and away from all of this, not have it drag out indefinitely again. God knows what I’m going to tell my sellers.
    ‘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.
    Frugal living in 2025.

    261 No Spend Days in 2024!

    3-month Emergency Fund: £3,500 / £3,500 - DONE!
    1k Pet Emergency Fund - £1,000 / £1,000 - DONE!

    Nationwide 1 year 6.5% Savings - £600 / £2,400
  • doingitanyway
    doingitanyway Posts: 9,953 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Sorry to read your post. What a mess.
    Sounds like you are doing all your can to salvage it.
    The sellers have a good motivated buyer so it may be a pain for them but they are likely to stick with you.
    Totally understand about the friend and the delay, but she knows it is coming to an end, so will hopefully be ok.
    Deep breath @SecondStar.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    What an utter, horrible pain!!! So unprofessional of those solicitors to mess about like that. 

    Could you, or even the ex, offer to double the fee, to make it worth their while? It might save time? Or are you too far through the process of switching now? 

    Sending huge, sustaining hugs.

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • SecondStar
    SecondStar Posts: 641 Forumite
    500 Posts Third Anniversary Name Dropper
    Thank you @doingitanyway , I hope I can hold myself together that long.

    @kajikita it’s a nightmare, honestly! I did suggest to my ex just letting the firm do all the work - so the title transfer (again) and the equity doc - but the particular solicitor he had been dealing with had been brusque and unprofessional to speak to anyway, let alone after all this mess, and so he doesn’t want to continue working with them.

    My friend has said she’s happy to contribute if there is a way of speeding up this process with another firm, but I think it’s one of those things that doesn’t get any faster if you throw money at it - a lot of it is process, and it takes as long as it takes. Which is difficult to stomach!
    ‘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.
    Frugal living in 2025.

    261 No Spend Days in 2024!

    3-month Emergency Fund: £3,500 / £3,500 - DONE!
    1k Pet Emergency Fund - £1,000 / £1,000 - DONE!

    Nationwide 1 year 6.5% Savings - £600 / £2,400
  • SecondStar
    SecondStar Posts: 641 Forumite
    500 Posts Third Anniversary Name Dropper
    edited 5 April 2023 at 1:03PM
    My nervous system cannot handle this! It’s been back and forth between despair and elation, and I’m exhausted.

    God bless my solicitor. He is a literal earth angel. He phoned me back within the hour this morning, calmed me down, and set out a plan.

    My ex does not need a solicitor. All he needs to do is have the title transfer doc signed with 2 witnesses, and then I sign with my solicitor. His new lender’s solicitor can bypass my ex all together, and they can send the money I’m owed directly to MY solicitor instead. Skipping the need for my ex to have to find a third solicitor. Hallelujah.

    So my ex is having the doc signed and witnessed tonight or tomorrow, and then I’m bringing the doc directly to my solicitor myself - no need to faff around with the postal system, especially over Easter.

    On my buying side, my solicitor still has a query outstanding from 14th Feb about ownership of a path - we’re waiting on a response from the seller’s solicitor. That’s the only non-standard thing on the buying end. Once the title transfer is signed, and my solicitor knows I’ll be coming off the previous mortgage, then we can arrange exchange/complete.

    5.5 weeks left people, think we can do it??
    ‘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.
    Frugal living in 2025.

    261 No Spend Days in 2024!

    3-month Emergency Fund: £3,500 / £3,500 - DONE!
    1k Pet Emergency Fund - £1,000 / £1,000 - DONE!

    Nationwide 1 year 6.5% Savings - £600 / £2,400
  • Chrystal
    Chrystal Posts: 2,000 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    So pleased for you... and thank goodness for sensible solicitors.  He deserves a bottle of something nice!  :smiley:
    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: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    This is really good news! Good solicitors are worth every penny!! 
    Yes, yes, yes, I think what you have described above can be done in 5.5 weeks …. Path pending of course! 

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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