Is it worth applying pressure or am I being messed about?

gazfocus

TripleH said:

Tell your solicitor to hold fire on work as well.

I would ring the estate agent today and advise them that you are continuing with the purchase at present but are now open for other interested parties to contact you.

It could be something daft like a change of job and they need 3 wage slips for their mortgage but why people don't say this I don't know...

All of our solicitor work is completed unfortunately. The only bit they've not done is issued the contract for us to sign as they're still waiting for our buyers solicitor to be in a position to discuss exchange and completion. 

With the complications at our end (house tenanted, new boiler needed, etc, I honestly thought we'd be the ones holding everything up but we've been ready for coming up 5 weeks now.

gazfocus

I don't know if I'm just in a bad mood because of what I detailed in my other thread but I've just emailed the EA giving them what for. I've tried emailing over the past week with no reply, phone calls going straight to voice mail, solicitors not getting replies from buyers solicitor, etc. I've had enough of it all now so I've told them things need to start moving this week or the house goes back up for sale.

housebuyer143

gazfocus said:

I don't know if I'm just in a bad mood because of what I detailed in my other thread but I've just emailed the EA giving them what for. I've tried emailing over the past week with no reply, phone calls going straight to voice mail, solicitors not getting replies from buyers solicitor, etc. I've had enough of it all now so I've told them things need to start moving this week or the house goes back up for sale.

At some point you need to make a deadline and stick to it. A communicative buyer you would have much more patience for delays but someone who doesn't respond needs a push to complete or drop out.
Hopefully the push does it and you complete soon 🤞

gazfocus

housebuyer143 said:

gazfocus said:

I don't know if I'm just in a bad mood because of what I detailed in my other thread but I've just emailed the EA giving them what for. I've tried emailing over the past week with no reply, phone calls going straight to voice mail, solicitors not getting replies from buyers solicitor, etc. I've had enough of it all now so I've told them things need to start moving this week or the house goes back up for sale.

At some point you need to make a deadline and stick to it. A communicative buyer you would have much more patience for delays but someone who doesn't respond needs a push to complete or drop out.
Hopefully the push does it and you complete soon 🤞

Ok, so a bit of an update. The EA rang me as soon as she saw my email. 

The issue still appears to be this query with the mortgage lender at the bottom of the chain. If the mortgage lender says 'no' (which that buyers solicitor thinks is likely), the next step would be to get something to do with the title plan changed at the Land Registry which the solicitor said could take 4 weeks (plus the time it takes the solicitor to actually get the request ready to submit to LandRegistry).

That would likely push completion to the end of July at the earliest, and there are mortgage offers involved that expire at the beginning of August so cutting it fine. 

I've said I'll wait until the end of the week to see if the lender stick to their word and give an answer by the end of the week and we will go from there, but I'm really hoping and praying hard that the mortgage lender say everything's good to go.

gazfocus

An update just to say that despite assurance that the mortgage lender at the bottom of the chain would provide our buyers buyer with an answer by the end of the week, I didn’t get any update from the EA on Friday so will be chasing them again on Monday. 

At this stage I’m fully expecting the mortgage lender to kick up a stink about this query which will then result in the buyers having to request the plans being changed by land registry so am resigning myself to the expectation that completion likely won’t happen until the end of July now which would take the entire process to 24 weeks (we are 18 weeks so far). 

gazfocus

Another brief update: The estate agent phoned me on Tuesday to say that the mortgage lender had come back to the buyer at the bottom of the chain to say they were not happy with the issue that was queried. Apparently, it relates to something to do with the physical boundary of the property not matching the title plan, but got lost as to how. 

A suggestion has now been made that completion be allowed to happen now, with an undertaking from the solicitor to resolve the land issue after completion - this is because apparently it will be quite a complex problem to solve, involving finding another land owner, letting them get legal advice, signing over of land, getting land registry records updated, etc so could potentially add months to the sale. This would almost certainly result in the chain collapsing as I certainly wouldn't be willing to wait months further and I know the buyers at the bottom of the chain have an expiry date on their mortgage offer of beginning of August.

I'm not entirely sure who now needs to make the decision but we are now waiting for a decision as to whether this proposal is acceptable, but we shall see...

billy2shots

Will the people buying the property in question be happy to proceed with things still up in the air. 

Buying a house without knowing what is or isn't legally yours would be a no from me. 

Or are we only talking about a few foot of unused garden space?

Mr.Generous

I think solicitors take an oath to hold up and delay things for as long as possible in every job they deal with.

gazfocus

billy2shots said:

Will the people buying the property in question be happy to proceed with things still up in the air. 

Buying a house without knowing what is or isn't legally yours would be a no from me. 

Or are we only talking about a few foot of unused garden space?

According to the estate agents, the buyer at the bottom of the chain aren't bothered about the garden discrepancy as they've obviously offered on the house based on the garden that's within the physical boundary. I don't know how much garden we are talking about but I can't imagine it'd be that much given where the house is. 

gazfocus

Mr.Generous said:

I think solicitors take an oath to hold up and delay things for as long as possible in every job they deal with.

100% agree