Watty's Awakening

Humdinger1

Marvellous @Watty1! Do you view it as a pleasure to thwart PPH as well as your civic duty? He badly needs to hear no, over and over. So thrilled for you love Humdinger xx

Watty1

https://forums.moneysavingexpert.com/discussion/comment/82195050#Comment_82195050

Actually yes 🤣 Sometimes my sensible brain says just deal with this in a timely adult aporpriate manner but then the other part takes over. VNM and I shared some champagne to celebrate and I took a pic of the planning notice and then superimposed a big YES!! on it VNM said I should not send it to anyone whilst "under the influence" 😂 he is just so very sensible (and right)

Watty1

"tragic voice notes" and I will be having coffee Tuesday. Early start, 9 am so as not to waste my day - overnight stays need booking for those coming a great distance. Hopefully someone can organise a special "group" rate please?

I suspect she thinks I am about to reopen negotiations but I am not. This is to allow her to have her say (I think we all know what this will be) and for me to nod sagely and quietly point out that I sent every single thing that was requested, along with a lot more evidential proof that was really required so there is nothing missing and the matter could have been concluded to everyone's satisfaction months ago The only thing that might change my mind is if she slides across the table a case with the cash in.

daisy_1571

Oh my word 9am! Great idea to get it out the way though. I propose I will stand at the door and see where she parks. I'll sidle over to check the back seat for such a case and give you the nod if I see one

rtandon27

9am @Watty1 - good grief that is early! I've dug out an unfinished drossstich for the occaisiooccaision and figured out how to record conversations on my phone in case we need proof later!

Seriously - I love that you have the whole thing mapped out - always a good plan to have a framework in your head for 'difficult' conversations!

daisy_1571

Ive been trying to understand all the permutations You of course will know them better than any of us and as ever, there's no pressure to share or comment

My assumption is the overage is on the field in case you get pp to build on it and that the improvements you have done to the house and the pp for the barn will not increase what he gets

Amother assumption is that together you and vnm can buy/rent somewhere to live with savings, inheritance, rental income from your place

1 live with it all until 2031/32, starting the barn to keep planning permission going, then do whatever you like free and clear. Downside might be a slight feeling that you are making plans still taking pph into account. Even though its to deny him something, it still means he is having an effect and will crop up in conversation

2 properly start converting the barn so you can live in a nice new space entirely created by and for you but in essence, the above

3 sell the whole lot including a barn with planning permission, let lawyer work out his overage percentage Take the balance and start a new life elsewhere no longer having to take him into account or even speak of him again

4 convert barn, move in, keep it and field, sell house and a bit of garden to recoup some money

5 as 4 but rent out house

6 convert barn, sell it with a bit garden, keep house and field

7 as 6 but rent out barn

8 contact him and agree a way out the overage. Potentially more trouble than its worth plus there's always a chance buying it out will cost more than paying the overage

9 rent out house and field or separately the house and the field, move somewhere fresh and sell the whole lot in 2032. Obv to keep pp it might need the beginning of work done to barn so the later sale has the benefit of the conversion possibility

10 sell barn with the pp to someone who is wanting to do the work, keep house and field until 2032

11 any other option i can't think of ?

Watty1

nailed it - I have lots of options. I just hate that PPH has a sticky finger in it. All the time I own the whole lot he cannot claim anything. I am seriously considering selling the house and moving away to a cheaper area with that cash and just renting the rest - but - starting the work to keep the planning and then selling up in 2031

First meeting with estate agent to look at options as I want to know what financially I can get if I sell up and/or rent and in what permuation.

WelshmansDaughter

The part of me that does a lot of personal development (I mean a lot, I've been doing it since I was a teenager) would like to gently challenge your thinking a bit. How much do you want PPH to influence your future? Because it seems like a number of the options include him in the decision making process. And how much money is worth that?

Watty1

https://forums.moneysavingexpert.com/discussion/comment/82195784#Comment_82195784

I love this. You are right.

Late last night after all the explosions had finished (fireworks) I chatted about this with VNM. The overage remains an issue, it is something most people do not have and do not understand. If I can buy myself out of it then PPH has no influence over any of my decisions.

After much research it seems he could potentially hold up a sale and that darn agreement will put off purchasers (the solicitor that drew it up has agreed to talk to potential buyers and explain it but he agrees my ex is not going to be easy to deal with and in current market buyers don't need complications like that idiot).

So the preferred option is to try and buy him off on the basis he cannot cash it in without a legal battle (he will think the pp on the barn allows him too, it does not but that will be an expensive battle and clause 7 and 15 mean he will not succeed but it will be expensive for me to defend as solicitor thinks ex will push it into court). The real reason he has it will not come into play until at the earliest 2038 when it will have expired anyway.

The comment "how much money is worth that" is particularly insightful. thank you.

daisy_1571

I like the option of selling the house, moving away, renting out the land that has the overage until the overage expires.

That way you don't have to communicate with him at all.

I feel as soon as he gets a sniff that a) he can get more money out of you and/or b) he can be awkward and can hold up a decision someone else is trying to make then he will do it out of sheer cussedness??

Selling even with lapsed planning permission is going to increase your price point as someone will know there's been pp and they can apply again and it's very likely that it will be granted again.

Just as an aside, what happens to the overage if he dies? Is it personally to him or would it pass in to his heirs ? You may want to look into that just for your own knowledge, you don't have to share on here of course