An in-between phase

PennysIntoPounds

Usuals

Walk getting essentials

Sortings outs and listings

Walk getting olio bread

Solicitor replied and said we need indemnity insurance as it would be difficult to contact the century old vendor or successors, and if we did then we would invalidate any indemnity.
So we can't get insurance if we attempt to abide by the covenant therefore we need insurance for not abiding by the covenant. This is such a racket.

Taking into account new fees that keep springing up, a re-do of the budget list for shifting priorities.

New aim £1948.80
Got £4.24

badmemory

I really believe those indemnity insurances are a scam.  When I was selling my mothers house after she had gone in a care home we landed up paying for indemnity insurance because I couldn't prove what we all knew that the double glazing had been fitted over 20 years ago.  That was over 20 years not under.  One of the first things they did was replace the double glazing so the buyers certainly didn't care.  I seriously wonder if there is ever any actual insurance paid or if it just goes in the solicitors pocket.  I have only used solicitors 5 times in my life & 3 times they had to be stopped from getting it wrong & the 4th they did & I missed it.

KajiKita

What would happen if you refused to buy the indemnity? There is no logic here. Who’s going to lodge a claim against you? Surely it’s your choice to take the risk even if the solicitor advises you to take out the policy and you decide not to!

KK
(Again, quietly fuming on your behalf …) 

PennysIntoPounds

That is dreadful @badmemory. 
I know I'm a grumpy so-and-so anyway so I'm trying to be reasonably chill when it comes to ludicrous costs and daft rules as that's just the game you have to play in this society sadly. But so many elements are so Kafka-esque that you can't help be like 'sorry, am I the only sane person speaking in this whole industry?'
We just have to magic up nearly £700 cos we're breaking the rules to attempt to seek permission therefore we're breaking the rules by not having permission and have to pay some random company money.
It is all utter madness.

PennysIntoPounds

Lender won't lend without it @KajiKita and alas we do not have money to tell them to stuff it!

beanielou

It's a bloody racket.

KajiKita

PennysIntoPounds said:

Lender won't lend without it @KajiKita and alas we do not have money to tell them to stuff it!

And you’ve tried appealing to their logic?
Edit: You may have done this, but ask to speak to their chief underwriter and ask them to explain the logic to you?
(Im not meaning to be annoying with this line of questioning, it just seems so … illogical …)

KK

ladyholly

PennysIntoPounds The stupidity never ends. 

PennysIntoPounds

Such a bloody racket @beanielou.
I don't know why this relatively minor (ha!) cost is the one that has me going into being awkward and digging my heels in mode, I guess every now and then I just need to have a wee petulant rebellion to at least feel like we have any control. Before somehow paying it anyway as we know full well we have zero control and won't have anywhere to live if we don't say 'how high' when they all say 'jump'.

We have tried @KajiKita. It is illogical. So are many of the other things we have to put up with. This is the good solicitor passing on annoying news. We trust her, its just that everything is a damned nonsense and a complete racket. So it goes.

It really doesn't @ladyholly, I would like to think that our sh*t solicitor and your sh*t solicitor are one and the same, but this country seems to breed sh*t solicitors quicker than bindweed 

Blackcats

Indemnity policies are licences to print money for solicitors and insurance companies.  I "needed" one once because the 100 year old deeds described a boundary hedge and we had a boundary fence.  It was also suggested that to comply with the not running a fairground in the garden clause I might need an indemnity policy to insure against the garden shed being used to store fairground equipment.