In a chain support thread Sept 2017

[Gizlotsmum]

Hope it's ok to start another one! So we have a week of waiting for surveys etc...

What Yoga said - it's not a 'no', which is good! It is within your control but I do remember our frustration of being asked again and again for yet another document. It honestly felt as if they were never going to be satisfied! Hope they come back with a decision soon.

Fialor if they have anyone with a flea-ridden pet then they should invite them round for an hour once they've cleared out. It would be such a shame if said pet had a good roll around on the carpets...

We've caved in and rented a storage unit. The boxes were driving us mad and if we're now having to sit and wait, then the only bearable way we can do it is if we aren't tripping up over stuff. Annoying having to spend the money - plus the cost of hiring a van - but if it saves our sanity then we figure it's worth it!

I haven't posted on here, but have followed the thread for a few weeks. Hoping my tale is a story to bring cheer, am not gloating I promise. We exchanged last week, 8 weeks after chain was completed. It is a chain of 6. I am staggered by how it all happened so quickly, I had a third query about the same ridiculous thing to answer at 9.30am, I sent the same answer I'd been sending for about 2 weeks. My solicitor phoned at 4pm to say they'd finally accepted my answer, was I ok to exchange. I said yes, a couple of texts with my buyer and we agreed a date, called my solicitor back. He called 5 mins later to say it was all done. I cannot believe 6 people agreed a date within about 10 mins! It is a crazy system, but it can happen when you least expect. Good luck to everyone else still waiting x

Feeling mega stressed out today. Knew the tranquillity wouldn't last! Waiting to hear from the Estate Agent whether the vendor has signed the contracts. If they have then do I chase my conveyance to check the flaming answers to enquiries or do I wait?

I don't want to piss them off but I really need moved.

MrsPuss- I wouldn't worry too much. They just need extra documents to make their decision and if the FA is the one arranging the mortgage, it should be straightforward.

Nessa- glad the baby is keeping you calm and occupied :)

Pulling- chase and annoy them as much as you can to get your answer(s). I'm about to do the same. Have been waiting since Thursday to see if our buyer's buyer is still proceeding with the purchase. You'd think they'd have let me know by now... 😡

Lazy- that's brave (and sensible) of you. With the way things have been at our end, we're not even thinking of packing until we've exchanged. If that ever happens. We're in never end limbo ATM 😡😡😡

I'm resisting the urge to chase anybody until after lunch today. But I really need to organise time off and holiday clubs for next week. If we're not going to be moving then I have to save some annual leave for when we do.

Jazzmin, I hope things move as quickly for us once we're past this logjam. DH and I are ready to mobilise at a moment's notice. Good luck with your move.

Oh ffs ... shall I just wait until lunchtime then? I know they hadn't checked the file Friday night. Being in work and not being able to do any because I'm not signed off yet is not helping. What I really want to do is throw my toys out the pram but that is not going to help is it?

Pulling chase, chase, chase - and chase some more. It's an unfortunate fact that the reasonable people who don't mind and who are understanding of the delays, are the ones who get pushed to the bottom. The squeaky wheel gets the oil!!

Waiting for our solicitor to call back. Have had some good news in that we now know exactly what the delay is and where in the chain it's occurred. Am hoping it will be resolved this week - I just want to move into my new home!!!

Happy Monday everyone Back on the house move band wagon this morning as quite a bit to post/chase.
Finally heard back from our buyers who I was starting to worry about, so that's a relief. Their solicitors are being non-committal about an exchange date, but have said that they're keen to proceed as soon as everything is in place, so that's a potential amber light I guess for month end, and is certainly better than a 'hell no'
Survey finally back on purchase, only red flags are outdated electrics and boiler, which we had already raised as their PIF indicated neither had been tested or serviced in the last 7 years, so we've asked for that to be done.
Bit worried that our buyers have asked to send a builder round following 'something' thrown up by the survey... I'm guessing it's an internal wall that was removed by the previous owners, but we're not aware of any structural issues, so fingers crossed for no problems.
EA seems keen for an exchange and completion on the same day, as apparently we'd have to wait a week otherwise between the two. I'd rather not because it'll make arranging removals/childcare hard if things change at the last minute... why do you have to wait a week??
I'll catch up on the thread now...

So our buyers mortgage is with their solicitor and we are talking potential completion date of 25th....

As far as I wa stole they need 5 working days for monies to clear but they can draw on the fund sooner ( before exchange) making it possible to do both on the same day. But they could draw down the funds and still give a few days between exchange and completion

I know not wa stole

Actually I think I meant to type was told which would make more sense of the typo

Hi Ness, we have instructed our conveyancer to draw down the mortgage funds the day before completion so there are no delays on the day. Obviously you couldn't do that if you exchange and complete on the same day. I don't think my nerves could stand that sort of uncertainty.

Our seller's EA said there should be 10 days between the two. Not sure what she's basing that on. And I hope she's wrong because I want no longer than a week.

Gizlot, looks like you may be nearing the end. FX for you.

My EA has just emailed to say our seller's solicitor has today returned some enquiries that have not been answered correctly. I actually think we're going backwards now.

Ah right... five days is a long time in this day and age for money to clear! But then I'm amazed that most solicitors still seem to be conducting their business via post

Lazy Got everything crossed for you - surely this will be the week!! Good move on the storage unit, it's nice not to have the boxes mocking you whilst you wait!!

Pulling When all else fails, it may be time to start throwing toys!! Hope you had a productive chasing sesh... and you too Ann!

Jazz Thanks for the good news story - it's nice to know that exchanges do actually happen!!

MrsPuss As others have said, it sounds like a 'not yet' rather than a no on the mortgage - are the docs they need relatively easy to get hold of?

Yoga Any feedback from your weekend viewings?

Still not looked at chuffing enquiries yet (about to scream). I actually cried down the telephone to her earlier - yes I am that stressed. They emailed me to advise that they need to get a copy of the deeds for my place from my purchasing solicitor, so I have emailed confirming that I want her to do that. That should not hold up exchange though, and we are literally just waiting for the vendor to sign contracts and my solicitor to look at the chuffing enquiries which she has had since last Tuesday.

Parents have got involved with packing my house up and are asking my eldest questions about my life now which I don't want them to know about (long back story) and having a go at me via text basically saying I'm a bad mother even though they said they'd keep an eye on my eldest. I can't win. I am trying to pull together a better life for the kids and I and I literally cannot win. Not sure I can cope with this any more. No one apart from my other half is being supportive. I feel sick, incredibly tired and utterly gutted today.

Thanks Ann, it just seems so weird that you can do it on the same day, but if you don't, you have to wait a week!

Depends on lender. I hate solicitors and their stupid 5 working days inbetween stuff. I understand people want time to arrange stuff but it is driving me banana's at the moment.

Still no response about enquiries. If they haven't emailed by 4.30pm I am going to call ... they better have sorted it I am now furious.

Ffs still hasn't looked at enquiries ... I feel a complaint coming on after this has gone through.

I think my stroppy mail to the branch manager stating I felt I was being told what I wanted to hear not what was actually happening helped. I think my solicitor also got an indication to my frustration from the other day so sometimes letting the frustration show helps! Good luck to everyone!

Pulling do whatever it takes and if that means throwing your toys out of the pram then do it. Fridays are always a non-starter as firms are busy with completions, but she should have been on to your queries today. Call tomorrow - and if she's not available then leave a message telling her that if you don't hear from her by midday then a formal complaint is going in. Now is the time to unleash the inner bitch!

And on the subject of the inner bitch, can you tell your parents to do one? Is there anyone else that can help with the DC? Even if they are helping with childcare they should be observing boundaries - so next time they send a nasty text, reply back "Please don't text me things like this; it's very rude and none of your business". Rinse and repeat.

Ness glad mini-Ness is doing well!

I must admit my worst nightmare is trying to exchange and complete on the same day. Given how stressful it is trying to co-ordinate everyone to agree to exchange, there's no way I am going down that route even though we are desperate to get into the new place! Our draw-down is 5 working days and our buyer has the same, so we have asked for a minimum of a week between exchange and completion (once we eventually get there...)

Hi all. Just catching up, there aren't any rules re time between exchange and completion it all depends on the lender and solicitor, some seem to be more flexible than others. When purchasing this house we exchanged on the Monday then completed on Thursday with no issues. This time around as I'm doing help to buy on my new build we have to allow 15 working days between exchange and completion (HTB rule apparently 🙄) which seems like a long time! But on the plus side it means I have 3 weeks to get all my flooring down and blinds up before I move in! Lots of updates today from various angles, all progressing well towards exchange. Everyone in chain has now had their mortgage valuations done so offers should be out this week. My exchange deadline (due to new build) is 2nd November but my solicitor is confident we can do it before then 🤞🏻 I'm happy to complete as soon as possible, ex husband is coming to take all the furniture he's having this weekend so I'll be living in a very bare house! Hope everyone's sales/purchases progress well this week

Are they giving you any reason why they aren't looking at enquiries pulling?

Good news Lazy - you were due some hope the situation can be resolved this week.

Good for you Giz - sometimes a good strop is the only way to get things going!

It's lovely to hear that some chains go completely smoothly Jazz. Good luck with the rest of your move

Oh Ann

Our missing two searches have turned up. They are dated 28th Sept so it looks like the solc. has sat on them. They are both fine.

I exchanged and completed on the same day once Nessa and it's an experience I don't really wish to repeat. It's very stressful because even while you are loading up the removals van something can still go wrong and someone can pull out. If it's unavoidable , and you can handle the stress, then go for it but otherwise I'd say try and get the week between.

Our viewings went well apparently. One woman said that she's offered on a "do-er up-er" at well below the guide price but if it's not accepted then she'll offer on ours. Fingers crossed her offer isn't accepted The other two were very positive too apparently although we haven't had any further feedback. Just keeping fingers crossed, as ever

Ooh FX Yoga let's hope you get some good news.