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Home Buyers' Support Thread, Part 4

999 replies

BeaufortBelle · 21/04/2015 20:45

Here we go.

Good luck everybody x

www.mumsnet.com/Talk/property/2139089-Home-Buyers-Support-Thread-Part-3?pg=40

OP posts:
Dugongdog73 · 18/05/2015 20:24

It seems like every stage is fraught with difficulties and nothing is straightforward reading all these stories!
I think what's getting to me at the moment is that I have to initiate all communication. I know we're still at an early stage but considering the money EAs get paid (and ours only had two mornings of viewings to do) I don't think I'm being unreasonable to expect the occasional update...
Good luck to all of you.

laracroft2001 · 18/05/2015 21:21

God it is all so frustrating!!! Best wishes to all for this week!

Stumbleine · 18/05/2015 21:28

Thanks Benjiman and Gowlane. As predicted she did not call back today. I shall be on the phone first thing on the morning!

BeaufortBelle - I like your style Wink

It IS the lack of communication that drives people up the wall! Just basic lack of managing a situation. Any news, even bad news, would be a step up from being completely ignored!

benjiman6 · 18/05/2015 21:31

Stumbleine I agree even bad news at least you know where you stand.

Stumbleine · 18/05/2015 21:44

Oh, and adding to the desperation is the fact that our broadband no longer works, and rather than pay the engineer's call out charge we are doing without until the move!! Confused

I shouldn't even be on here as it's using up my data allowance Grin

TheEmpressofBlandings · 18/05/2015 22:40

Urgh, feeling really low now, we had the electrical survey back and basically the whole house needs rewiring, it's in a pretty bad state.
We suddenly seem to have a renovation project on our hands which is not what we were looking for at all. Don't know if we have the energy to go for this, we just wanted somewhere that needed a bit of cosmetic work doing.
Got to speak to the estate agent tomorrow, we're going to have to renegotiate on price at the very least.

BG2015 · 19/05/2015 07:14

Hi all

What a nightmare we are all having! My son's operation went ok yesterday so now I'm back on it, in between my full time teaching job!

Not heard from my seller since last Wednesday. My solicitors assure me we're close to exchange but I'm in contact with my seller and actually know more than they do. If her arsenal of an ex husband carries on being awkward, it could be weeks yet.

BeaufortBelle · 19/05/2015 07:48

On no Empress I guess you just have to be ruthlessly objective with a list of expenses, a price list and what the house might be worth at the end of it and if it all stacks up and you can expend the blood, sweat and tears over it then all good. It depends I suppose what life stage you are at. We wanted something on two floors and very easy to maintain as our children are flying the nest (although likely to boomerang over the next ten years). Hem, we are buying something much bigger than we anticipated, that needs some cosmetic stuff and perhaps a rebuild at the back to create a dream home and which has land but we fell in love as we drove up to it and are buying it with our hearts. Most importantly it's within our budget and there won't be stresses on that front.

BG2015 glad your son's OK. Work is getting in the way of my life too.

OP posts:
TheEmpressofBlandings · 19/05/2015 08:06

Bg, glad your son's op went well, what a relief for it to be over.
Beau, keeping everything crossed for your exchange to happen today, can't be too much longer, surely!
We are clear it's a short-term house (shame as it could be a forever house in different circumstances!) and the relocation has taken so long and been so stressful we just wanted something easy to decorate that we could move into quickly. Guess that's a lesson to learn when buying an old house!! I'm meeting a builder there this morning to discuss it, I've no idea how long all the work will take but I'm assuming months. Just not sure I can bear renting this tiny place for that long, we're so crammed in! My kids are all small, 4-8.

Socy · 19/05/2015 09:00

So it's not just me that made no progress yesterday!

Empress perhaps you could get an electrician you trust to have a look at the electrics - we were told rewiring needed at one place but an electrician friend said we only needed a new fuse box and proper earthing which he did very quickly and cheaply.

I put a deadline of 4pm yesterday to move next week, which my buyers want. No response, so it ain't happening. About to phone solicitor to find out if he has actually informed my buyers' solicitor of this and what they have said. Think I need to look at another potential property that has just come on the market.

bananamonkey · 19/05/2015 09:25

Wow sounds like everyone's having a stressful time Wine and Cake to you all, I still have all this to come!

It's been a while but we went dual agency on Thursday last week after 3 months of no joy, had first viewing on Saturday lunch time (which I had to do myself for the first time - I was rubbish!) had an offer Saturday afternoon and after a bit of negotiation accepted it - woo! They are a couple buying it for their daughter with nothing to sell so no chain.

Now we are finally in a position to put a serious offer in after seeing many lovely houses that have all gone in a weekend. Saw a beautiful one last night that is just too small, seeing one on Thursday on a road we love and have previously offered on so fingers crossed. There's also one left on a development we like but I don't think that'll be around for long although it's not available for October which is putting DH off. And we're going on holiday next week for 10 days - great timing!

Stumbleine · 19/05/2015 11:26

Glad all went well with the op BG2015.

Empress - we too are buying a total refurb job, but at least knew what we were getting in to!

Well, conveyancer's phone going straight to answerphone all morning so no more info at present! I can't decide whether to email her supervisor and complain?

The only update I've had was on 20th April (which hasn't been me calling them) after which point I received a mortgage report and statement of completion, has been an out of date email update. There is supposed to be an online case tracker but there is literally ONE entry on there 'mortgage offer received' dated 8th May (mortgage offer was received 15th April!)

benjiman6 · 19/05/2015 12:41

well a little to report. after been really annoyed yesterday and saying I was walking this morning I received fittings and fixtures and property report by email{draft contract on 9th april} and my solicitor asking one or two more questions which just need yes or no answers we MAY be able to complete Friday or next Tuesday. you shouldn't have to make threats to make them get a move on . not being unreasonable but waited months to just get this far.

McDreamyMcNastyMcHottie · 19/05/2015 13:01

Hope everyone is getting a little bit closer to completion. We've been in to sign contracts this morning. We're no closer but it made me feel like I was doing something.

benjiman6 · 19/05/2015 13:09

McDreamyMcNastyMcHottie yes makes you feel better when you are in the loop if contracts are signed what are you waiting for.

McDreamyMcNastyMcHottie · 19/05/2015 13:12

Still waiting on the local search, once that's back it's all systems go. (Sorry, am a name changer from earlier in the thread).

Spickle · 19/05/2015 14:15

Draft contracts are sent out early on in the transaction, along with protocol forms (F&F, title deeds/plan, Prop. Inf. Form, Lease and any other guarantees/paperwork relevant).

Then there is a gap when the solicitor has to go through all the documentation (or wait for missing documents to be provided), order searches, get the mortgage offer and raise enquiries about any issues thrown up by the paperwork. This is then batted back and forth, depending on the replies, until both sides are satisfied (this can often involve third parties to the transaction). This is when most clients are anxious to be updated, but if there is anything still outstanding, then there is not a lot to update other than "waiting for.....".

There are so many things that need to be satisfied, everything from ID to queries from the mortgage lender as well as the client not providing adequate answers and documentary evidence to queries. Clients are often just as bad at not reading the letters properly and not providing what the solicitor wants. For example, if ID needs to be certified by a professional, do get it certified by a professional listed on the form and not by your next door neighbour and if you do leave gaps on the Property Information Form, expect to get it back eventually from the other solicitor asking for you to complete it. You may sign your contract in readiness - doesn't mean your solicitor is "ready", just that it can be held on the file (i.e. one more thing ticked off).

The other biggie is that no matter how much a client stamps his foot and "demands" exchange/completion, it won't happen until both sides are legally satisfied.

BeaufortBelle · 19/05/2015 16:31

Hmm. Argy bargy over the completion date now.

OP posts:
BeaufortBelle · 19/05/2015 16:37

OMG.

We

Have

Exchanged.

OP posts:
TheEmpressofBlandings · 19/05/2015 16:43

YAAAAAAYYYY! Omg beau, I'm so happy for you!! ShockGrin

Socy · 19/05/2015 17:00

Wow Beau, that's brilliant Grin

I have had a response from the people I am buying from since I told their estate agent I'm viewing more houses. But the response is still that he is waiting for a response on his purchase, so no closer to anything.

benjiman6 · 19/05/2015 17:30

BeaufortBelle congrats you will sleep tonight.
Spickle I agreed it will only take place when both solicitors agree but sometimes they do not keep you in the loop and that is frustrating and as everybody says till you exchange you are free to walk. Personally I would never actually do that unless you have tried all other methods to keep things moving. I started mine in February and still waiting.

McDreamyMcNastyMcHottie · 19/05/2015 18:04

Whooop, nice one Beaufort!

BG2015 · 19/05/2015 18:35

Beau that's fab news. Congratulations

I've rung the estate agents - they haven't got back to me (basically because there is nothing to report), my solicitors, who also knows nothing and just fobbed me off and I've text my seller who says her ex-husband is getting a lot of daily pressure from both her conveyancing and divorce solicitors, so it will happen - not much use that reply really.

I don't know what to do. My offer was accepted on the 4th Feb, 15 weeks ago, my mortgage offer runs out on the 2nd July so I do still have some time.

There is nothing in my area that comes close to the house I'm buying, I would have to make major compromises if I start looking again.

Everything is ready, we're just waiting for this idiot of a man to sign a bloody form.

I just cannot believe I'm buying a house off silly people! The excitement of moving to my parents house has now worn off and I want to move.

Spickle · 19/05/2015 18:39

benjiman6 - yes I agree that sometimes clients are not kept in the loop. Unfortunately, if there is nothing to report, the solicitors don't think they need to speak to you. Perhaps if they did, they wouldn't be inundated calls/messages/emails from clients every day. It does seem to be counter-productive sometimes. The only thing I can go on is that where I work, everyone is under such a lot of pressure to get the work done, that there isn't any time for chit chat and, believe me, unless the client is at exchange or completion or there's a query, then the solicitor doesn't have a need (or the time) to be in contact with you (but then again, I work in an internet based, cheap fixed fee where we have upwards of 250 clients per fee earner).

There is a firm of solicitors round the corner from us (one of our fee earner's now works there), where staff are expected to call each client at least once a week with updates and answer the telephone within three rings but they only have a small number of clients and the cost of their service is more than treble ours. Tbh if I were to move in the future, I would go with the more expensive option.