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Feeling desperate re contracts, would love some reassurance please

4 replies

ReshapeWhileDamp · 22/10/2010 21:47

(sorry, long!)

Argh! I am so stressed it's unreal. We have had the usual baptism of fire (ie. fell for a house we loved, had offer accepted, then were gazumped) and found a second house we really like. Made an offer: was accepted after usual haggling. Vendor doesn't live there but rents elsewhere, so house is standing empty. Our buyers are end-of-chain now, as completed earlier and living in temp accom. So far, so simple, no?

But the last four weeks have been a nightmare of prevarication and cock-ups. First, our buyers took it upon themselves to call their (non-BT) phone company and ask to have their account shifted to our address. While we were still living there. Hmm BT claim to have called us to ask if this was ok and say we said 'yes'. Um, except we were on holiday abroad on that date. HmmHmm BT then relinquished their hold on our line and it was effectively taken over by this other company, who deleted our phone number and therefore, our broadband too. Confused It took a good week of calling BT daily before one of their numbskulls even worked out what had been going on. And then said they couldn't touch our line for 10 days because another company had control of it. Hmm So we had no landline for over 2 weeks and still have no broadband (Orange are all in a tizzy about it and have said it'll take - guess what? - 10 days to get us back up and running). I'm on a friend's laptop at the moment. So thanks, buyers. Nice mess to get us into.

We haven't yet exchanged contracts, let alone got a completion date. Yet everyone is working towards end of Oct/start of November, ie. in less than 2 weeks' time!!

Our solicitor only discovered very late in the day that our vendor had done some building work in the house we are buying, and that she hadn't got building regulation authority permission for it. Hmm In fact, she doesn't seem to have kept any paperwork for anything, at all. (The boiler she put in at the same time doesn't have any paperwork, and there's nothing from the alleged safety check she had made in 2008, either. We got her to pay for a Corgi man to come in and check it.) So we had to get her to pay for indemnity insurance against the local authority finding out and prosecuting us. And we got our surveyor (handily he lives in the same village) to come back and check the work out again, which he says is fine. But our solicitor had to inform our mortgage lender about this (apparently this is a legal obligation) and boy, are they taking their sweet time to approve it, despite the mortgage being only 70K of a total 370K purchase price!

We have had a provisional completion date of 29th oct for a while now, but shifted that to Nov 2nd because leaving it so late meant we couldn't book a removals service for the 29th, a friday. Our vendor signed her half of the contracts for completion on 29th Oct, then went on holiday leaving no contactable number (with a week to go before she hopes to close a house sale!!) and her solicitors won't change the date to the 2nd Nov without her verbal consent, and she's still away. So we can't book the removal van or anything like that, and I'm terrified that when we do get a date, it'll all be booked up.

I am absolutely desperate to move asap. I'm 30 weeks pregnant, have looked and felt full-term for weeks now, and can't make much of a physical contribution to the move (yes we are getting a packing service! Smile). My bump is in a different time-zone to the rest of me and I'm in a lot of discomfort. I've spent the last several weeks chasing phone companies, solicitors, estate agents, surveyors etc on the phone and being sent from pillar to post. (luckily I'm a SAHM but have a v active toddler to look after, one who's just decided to drop his naps.) Nobody appears to be able to do their job unless they are kicked up the bum on a daily basis.

I had the latest in a series of tearful meltdowns today when the solicitor said she had 'encountered a delay' with the mortgage lender and they wouldn't do anything until monday anyway. We were meant to exchange contracts today. Sad Before that, it was the middle of this week, and before that, it was meant to have been monday this week. I feel like I'm just being taken for a fool, as every time I chase her up, she shifts the exchange date just a few tantalising days into the future.

The worst of it is that I had PIH in my last pregnancy and my BP has started to rise in the last month this time. This is the last thing I need, but I'm so depressed and low about the house move, that I've lost any faculty to cope with the stress of it and can't see any light at the end of the tunnel. I've completely given up the belief that we may actually get into this house before I have to start pushing the baby out. Sad

I've been off MN for weeks now, thanks to the BT cock-up, and just needed to vent this evening. I know there aren't any magic wands out there, but any support or cheering up is desperately needed, as I'm past the end of my tether. Sad Thanks for reading.

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OldLadyKnowsNothing · 22/10/2010 21:52

I'm sorry I can't say anything particularly helpful, but it does sound as if you'll get moved before you give birth. Hold on to that thought if it helps you get through the stress of it all.

ReshapeWhileDamp · 22/10/2010 22:03

Smile Yes, I suppose it's statistically likely. I'm due on Boxing Day, but feel like I could explode tomorrow, frankly! And would love some time to settle in. Meant to be having a home birth, so need to do some serious nesting in the new home!
Thanks, I really need to try to keep my eyes on the prize, but it seems out of reach at the moment.

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OldLadyKnowsNothing · 22/10/2010 22:09

I live in Scotland, and now rent, but have lived in mortgaged places before; all I can say is, it's a wonder the English haven't taken to the streets over the way you buy and sell houses. God knows, it all sounded stressful enough when prices were rising and gazumping happened all the time, and it doesn't seem much better these days.

We sold our Edinburgh property in 1998 to an English couple. They didn't realise that you can't piss about in Scotland the way you can in England, and ended up paying for our bridging loan because they hadn't even sorted out a mortage by moving day! I couldn't believe anyone would be so stupid!

Ahem, sorry, got a bit ranty there... Grin Hope it all goes well for you in the end. I totally understand about wanting to be in, settled and nesting asap.

ReshapeWhileDamp · 22/10/2010 22:14

Ah, it's a nightmare. You can't regard a house sale as a done deal until the keys are in your hands, and then you still have to put up with any shoddy building work or bad conditions, which I think you're more protected against in Scotland?

No mortgage by moving day?? They sound even dafter than our own buyers!

Smile
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