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In a Chain Support Thread Nov2017

992 replies

YogaDrone · 26/10/2017 09:32

Congrats to those who have exchanged and are moving soon.

Fingers crossed to those hoping to exchange soon.

Come vent your property chain based frustrations and joys here.

Previous thread is HERE

OP posts:
Thread gallery
5
Raaraaboonah · 04/12/2017 17:33

lubes my love I’m not sane. Nowhere bloody near it. I feel permanently sick with nerves and anxiety and now staring down the barrel of some unpleasant School appeals process plus breaking it to the young chaps that they will be changing schools. It has nearly broken me to be honest.

But then again it’s better than where we were in our old house and the compelling reasons to move still exist do in sucking it up and starting again.

Frescoed · 04/12/2017 17:35

Congratulations Lubey great news- what a relief that must be!

LazyDailyMailJournos · 04/12/2017 17:58

Hi guys - hope everyone is well. Nice to see that we have had some exchanges and completions, which tells me that it is at least possible!

Our news is that we have managed to find somewhere, so are back in a complete chain again. Having to re-start the mortgage process which is a PITA but hoping to get the valuation survey done this week. I am praying that this is third time lucky for us - I just want to move house!!

Pixiedust1973 · 04/12/2017 23:35

Congratulations to those who moved house & also on exchanging to Lubey & on finding a new place Lazy. Such a relief when things finally go right. Flowers

Everything is stagnant here. No offer as yet. Still in limbo! On the plus side our sellers haven't put their house back on the market, but its only a matter of time id imagine! Feeling a bit down because we really expected to of moved house by now, but reality is we can't even put up our Christmas tree because it only serves to highlight how small this place is & that there isn't really room for one! Sad

KitKat1985 · 05/12/2017 08:17

Great news Lazy! I really hope it's third time lucky for you. Flowers

Pixie I did reply on the other thread, but could you just get a little tree (like a 3ft one) or would that be too big as well?

The sale of our house is slowly proceeding with the very slow buyers. However the vendor of the house we want to buy (who has accepted our offer) still hasn't found anywhere she wants to go to. It's been just over 2 weeks now. Not sure how long we should give her to find somewhere before we start to look elsewhere. We've annoyingly already paid a mortgage arrangement fee and some upfront fees to the solicitor (but I think we could get the money back from the solicitor if necessary as they haven't commenced any searches or anything as the vendor won't appoint a solicitor until she finds somewhere). We've been told she wants a bungalow in town X, or the surrounding area. I've looked on Rightmove and there's loads of bungalows currently on in that area, so it's a bit worrying that she doesn't feel that any of them are suitable.

LazyDailyMailJournos · 05/12/2017 08:33

Kit is it worth having a wee chat with her EA? 2 weeks is a bit soon yet to put any pressure on, but I'd definitely be making noises to her EA about asking them to ensure they are keeping in contact with her to check on progress. They should also be 'guiding' her to point out that if she can't find anywhere she likes then she needs to think about how she is gong to break the chain to allow the rest of you to complete.

Pixie all of our decs are in storage so no tree for us either! In fact just about everything we have is in storage - we literally just kept a few clothes back because the move was imminent. I don't want to have to go to the storage place and start dragging boxes out (and the clothes are all in vacuum bags anyway, so it would be a nightmare). I am currently rotating two pairs of jeans, 3 t-shirts, 2 jumpers and one work outfit!!

YogaDrone · 05/12/2017 08:37

Wonderful news lubey - actually exchanged, awesome Grin Flowers

I hope the council see sense and allow your older DC to go to the younger one's school as an excepted child. Fingers crossed for you Raaraa

Congratulations Lazy, good news that you have found somewhere. I'm so pleased you are back in a chain - third time's a charm I believe Smile What is your chain like now?

We currently have a Yankee candle (Christmassy smelling apparently Hmm ) and a string of fairy lights Pixie because no way am I putting up decorations at the moment! As KitKat say, is there space for a small tree on a table somewhere?

Any more viewings lined up? Your buyer is out there somewhere Flowers

Maybe give them until the new year KitKat? More properties are likely to come on the market and your vendor may feel more energised. I hope the HA are progressing with the VSC so at least you have that moving.

Our solcs. sent her full report through last night plus the power of attorney to allow them to complete for us. The report says they are waiting for either the vendor to indemnify a things - these are where planning permission was either granted or not required but they don't have the listed building consent. One of these is the creation of a bathroom. However this was done well before the property was listed so I'm unclear why there would need to be listed building consent. Anyway, DP has a call with her later today so hopefully we'll understand more after that.

Also yesterday evening our EA called because our purchasers have noticed that our EPC expired at the end of Nov! So we need to get that done before completion too.

OP posts:
Frescoed · 05/12/2017 09:02

That’s great Lazy surely this must be your turn now for a smooth purchase!

Sorry it’s all so slow Pixie it’s very hard when you know you’re selling to be enthusiastic about the house you’re still in, but don’t want to be. Are you getting viewings?

LazyDailyMailJournos · 05/12/2017 15:19

Our chain is now: our buyer - us - our vendor!

DH told me off when we went for the viewing, because I'd barely got a foot in the door before I started interrogating asking them what their plans were and where they were going to go Blush

catspants · 05/12/2017 16:44

Yay@LazyDailyMailJournos - fingers crossed it's going to be a doddle this time!

So, we've accepted an offer £25k less than AP after a failed sale at the nth hour at full AP. We tried negotiating with the new buyers but they refused saying they had another property abroad and didn't want to pay the higher stamp duty rate of 3%. As a result of this, we've had to find an additional £8k to make the move above work for us. We'd like to charge the buyers for custom made blinds, etc. and have forwarded the details and amounts on our fixtures/fittings form. But, I have just been told by the EA that the buyers want to come over on Saturday to meet me and DH and go through what we'll be leaving/taking, etc. Is this normal? Especially since we've already made it clear to our solicitors to be passed onto theirs and then them? They're cash buyers in rented atm (which is why we accepted their offer) and have instructed their solicitors but no searches have been ordered as of yet. Is this normal? We accepted their offer mid November. Panicking this time in case things go wrong 😩😩😩😩😩😩😩

Hint · 05/12/2017 17:30

Where do I even start...

We first put out house up for sale in September 2016, (this now seems like a distant memory) and had an offer within a couple weeks for asking price (410k) from 2 sisters.
To summarise this first attempt I will simply say that they didn't have the necessary funds, and this was not properly vetted by the agents. We were assured that they could get the gap in funds for the deposit from their mum (they were 30k short), and after a 2nd viewing they asked for 10k off the asking price. As we had somewhere to go (new build) and we wanted to get things moving we agreed to take 10k less and told them to get their survey done asap. Lo and behold after their survey they claimed that the house had been downvalued by a further 17k. They also refused to show us evidence of this.
As you can imagine, we ditched these chancers (even though the agent was adamant that we were lucky to even be getting that much from them!). We also ditched these agents, and decided to start again, not going to the new build and just looking for a different property close to where we currently live. At the time we felt that maybe this was all meant to be.
We put our house back on the market with a different agent, sold again quickly, this time we put the house on for 400k and we accepted an offer for 392,500. We simultaneously found a house we loved who told us that they had found somewhere and needed this all done and wrapped up in 12 weeks max. We spoke to our buyer who was no chain and a FTB and he said no problem! Brill!
The following day we get a call from the agent, apparently the woman from the couple we were buyer from had walked into work that morning and been given a massive promotion, and therefore to their shock they could afford way more and were going to look for a different and bigger house. (Of course this had nothing to do with the fact they put their house up for 450 but because of a bidding war they ended up getting 470k.) So we said fine and waited to hear. We called every week to see how they were getting on, and meanwhile our buyer hadn't even booked a survey, so to us we felt that we were safe to just wait until there was some movement on either side of the chain. 3 Months passes!!! And we speak to the agent for the house were buying and ask if they are genuinely looking, to which he responded that they have such a specific criteria he really doesn't think so (they still haven't to this day) and that he would speak to them about our concerns. Long story short, they basically said unless we want to wait forever we might as well look elsewhere. So the hunt continued. A week later, end of July, we find a new house, put in an offer, it is accepted and we immediately instruct solicitors, and have a survey. We also speak to our buyer to see what's going on (as he's been very quiet, and he then gets a survey booked in - both go ahead no problems) solicitors on all sides get to work. Our buyer wants to complete end of Aug. We ask chain above if that works - they say yes fine, no problems. So we tell him should be fine, for end of Aug or failing that start of Sept. As we approach exchange all goes very quiet in chain above and turns out that there is a probate at the top of the chain that they had failed to mention, and it hadn't even been applied for. So, I tell my buyer and he is annoyed (yes fine, me too!!) and I say I will check up daily to see if anything comes back. From what I can tell he had a 3 month mortgage agreement so it was going to run out at start of Sept so we asked him if it could be extended if needed and he said yes. So, 2 weeks before exchange is due, is get the word "Probate is in, all systems go - just a few bits but exchange is imminent and all good to complete before Sept", my sol emails his and calls to find out if they are ready to go ahead, to no response. So we called him, no reply, emailed and no reply. Eventually he gets back to me and says he was tired of waiting and found somewhere else. I asked if he would change his mind because it would all be done by when he wanted, and the probate wasn't mine and my husbands fault. Our buyer says too little too late and pulls out.
So we go back to our vendor and ask for more time, they give us 2 weeks to sell. Which we do, for 390k but the people need to sell their house, we tell them to do so asap, and they sell in 2 weeks to a FTB. This was end of Oct.
All of our mortgage offers in the chain above expire just after xmas, and this has been stressed to the people in the chain below (even from the moment they stepped foot in my house, I told them face to face, and they also told their buyer).
All is running smoothly until 3 weeks ago when the buyer at the bottom suddenly says she can't move until Jan because of personal reasons. Well we try to get the message across that this can't happen because offers expire and our vendors can't get it extended or a new one because he is self employed and the bank have refused to re-do. So it really is now or never.
I personally had to get hold of everyone below, my buyer (who hadn't been given half the info from the agent) and then his buyer (who also hadn't been given any info) and turns out, SHE wants to move in Dec, but her sol refuses to do in in Dec unless she pays an extra fee.
I go back and forth between agents, buyers, solicitors, my god i've never been so stressed. None of them deserve a penny of their commission in my opinion!! Eventually it seems that if someone will front the cost (1000k plus VAT) as the buyer at the bottom can't afford it. Then MAYBE we can exchange in time. I said I would pay, but would apprentice some contribution from the chain above if possible as it is a large sum and even though they've been patient, it is also them that can't extend the mortgage (we will also have to get a new one as ours expires) so top of the chain and my vendor say they'll do 200 each. My sol tells me we shouldn't do this without conditions, i.e we must exchange and complete by the deadlines or we won't pay the extra money.
The deadline is Friday, I have a headache, and am exhausted. I have offered the money and the sol at the bottom hasn't responded to mine. They have until Friday to pull this off. I've told the agents that it is down to them now, I've spent over 20 hours on the phone in the last 2 weeks.... wish I earned commission. I also have a full time job which I have managed to keep despite being frazzled for so long.
Everyone else needs to pull their weight and make this happen now, I've done all I can. You know that point where you go beyond caring, and their attempts to manipulate your desperation don't even work anymore... yeah that is where I am. Pass me the wine, don't worry about a glass....... :(

jobergamot · 05/12/2017 18:07

Today, mostly, I'm trying to remind myself that house buying and selling is a high quality problem.... like, i'm not homeless....

LazyDailyMailJournos · 05/12/2017 18:26

Fuck me Hint I thought we'd had a hard time, but you definitely win the prize for shittiest experience to date!!

Cats not it's not normal for them to come round and size up the place for what you are leaving - it's not a furniture shop and that's what the property information form is for! I'd be pushing back to the EA on this one.

YogaDrone · 05/12/2017 19:18

Holy shit Hint what an epic saga Shock. I'm not surprised you've dumped the wine glass. I hope it happens for you by Friday Flowers

That's about the best sort of chain Lazy Grin. Really hope you can unpack those boxes at your new house soon.

Cats if you don't want to meet them, you don't have to. We haven't met our purchasers yet.

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Tiglet2 · 05/12/2017 20:08

Cats cash buyers don't have to have searches, it's up to them.

Frescoed · 05/12/2017 20:19

Jeez Hint you must be beyond frustrated with it all, your experience absolutely takes the biscuit - have all the Wine I hope it all comes good this week.

Cats that does all sound a bit odd, I don’t think I’d want to do that. I get you Jober I’m constantly trying to reach for perspective right now.

Well, after yesterday’s joy clearly we were due some farcical inaction, just to balance stuff out. Our sol seems confident the lender will play ball for completion on Thursday, but is waiting for confirmation of funds release (I don’t know if this means timescale is agreed, it’s just admin now; or if the lender could still say no). Meanwhile, our vendor’s EA rings because our sol has raised new queries and our vendor’s sol wants to know why. Several phonecalls later it transpires that they aren’t new queries - they’re things that were requested a (long) while ago. In one instance it’s a request for a proper answer to a question that we’ve already had three unacceptable answers to. Not because anyone disagrees on the principle of the response, but because the vendor’s sol seems incapable of writing a sentence which is both correct in general linguistic terms (e.g. without missing words) and which addresses the actual question. Our movers arrive tomorrow to pack; and will be here on Thursday to move us several hours north to a house we haven’t yet exchanged on. Will we make it over the finish line, or end up camping out at a service station on the M6? Who knows!

fromtheshires · 05/12/2017 22:13

Wowsers hint, that's a proper epic tale.

You need bloody big balls and nerves of steel to buy and sell a house and frescoed yours must be pretty big doing what you are doing. At least there are some nice service stations on the M6 you can live in. Just make sure it has a Starbucks and a Burger King and you will be champion.

No update on mine. Still waiting for the vendor / vendors sols to answer my solicitors queries that were sent three weeks ago. I am checking my inbox hourly and come home every day expecting there to be post but nothing. It's sending me neurotic as everyone else in the chain is waiting for the top of the chain to sort themselves oThis in before Christmas window is disappearing fast as there is really only a week and a half left for exchange and just over two weeks until completion deadlines before the Christmas shutdown begins.

PickAChew · 05/12/2017 23:04

Mollie, the never being called back has been the bane of our life. can finally read this thread again, without palpitations. After much dicking about by Mr vendor and their useless ppl "solicitors" we exchanged last Thursday and moved, yesterday (out of old house 11am, not into new house until 1pm, after much chasing of ppl and male vendor.

The place was filthy and more broken than when we viewed. Male vendor us a partner in the firm that administers dh' payslips and we found his own payslips and PIN in the wheelie bins we had to tip out and reorganise. Tempted to post them to him at his work. He's had no contact with us on purpose but is so stalkable it's ridiculous.

On the plus side, we've found legal documents for the house dating back to the 1930s. Compulsive reading once we've unpacked more and degunked more.

PickAChew · 05/12/2017 23:09

I've been an attractive sight this week, btw. Cold sores and impetigo all over my face. Doesn't help that milk has been very poorly and in hospital, so I've been doing the last rounds of packing whilst entertaining 2 kids with ASD, on my own.

KitKat1985 · 06/12/2017 08:59

I spoke to DH this morning Lazy and we're not going to do anything just yet. We're going to give the vendor to the end of next week (which will then have been 4 weeks since they accepted our offer) and then if we're still in the same boat and nothing has progressed at all go in to speak to her EA and start to say we're getting concerned. xx As for your end I really hope it's third time lucky for you. Hopefully the short chain will make everything a bit easier.

Sounds like there's a few niggles to sort Yoga but other than that I hope all is progressing well.

Catspants that does sound a bit odd. Defintely go through the solicitor I would say to discuss fixtures and fittings. And I'd maybe ask your EA to follow up on what progress their solicitor is making.

Hint what on earth to say. What an utter nightmare you've had. I really hope everything that needs to be done by Friday does get done.

Oh God Frescoed sounds like you are also having a very tense couple of days. I'm guessing you need to exchange today?

PickAChew congratulations on successfully moving in. Such a shame male vendor couldn't have at least done you the courtesy of leaving the place clean (and not stalking your DH)! But at least you're in!

LazyDailyMailJournos · 06/12/2017 09:08

Fresco IDK how far up the M6 you'll be but I have always had a soft spot for Forton services around J32-33. The old 'air traffic control' tower makes me smile every time I drive past it. Plus there's an M&S Simply Food there so you at least have the opportunity to buy vaguely nice food rather than the usual motorway services rubbish.

Shires I understand that neurosis very well - it's an awful feeling. FX something comes through for you ASAP.

PickAChew yay that you have finally moved! And hoping that you recover quickly.

Job IKWYM. I tried to tell myself that quite a lot, but it's so hard when you are in the middle of all the stress and awfulness. I know there are worse things going on in the world right now, but it's difficult to try and re-focus when it feels like your solicitor, chain and EA are all conspiring to make your life as miserable as possible!!

LazyDailyMailJournos · 06/12/2017 09:10

Sorry, missed you off Kit -

Sounds like a sensible plan to me. After 4 weeks I would be expecting some firm planning from them as to what they are going to do. I know that we were getting phone calls from our EA about 10 days after we'd accepted the offer, to ask how we were getting on (which was code for: You need to find somewhere now and bugger off!).

KitKat1985 · 06/12/2017 09:40

Yeah that was our thoughts as well Lazy. I would personally hope that in 4 weeks the vendor would either would have found somewhere, or have made alternative plans. And in the meanwhile the sale of our home is (slowly) progressing, and there's a very real danger in a few weeks that we're going to end up ready to exchange on our own home, with no progress at all on our purchase or even an onward chain formed. If we had to go into rented accommodation to avoid losing our buyers then we would, but I think if anyone needs to offer to go into rented it should really be our vendor, since she's the one who hasn't found anywhere to move to. Plus it's just her to move at her end, whereas if we had to move twice it would be really disruptive for our two DDs as well as us. But we'll see. Guess we're just back to thumb twiddling in the meanwhile which I hate! I just keep checking my phone / inbox / post for some sort of news.

YogaDrone · 06/12/2017 10:35

Goodness Frescoed, I think I'd be a quivering wreck in your shoes. I hope the lender comes through for you today and you can make definite plans for Thursday's completion. On the up side - the M6 is by and large a nicer motorway than the M1 Wink Fingers crossed for you Flowers

I think four weeks is ample time KitKat. I agree that if your sale progresses and the vendor hasn't found anywhere they should be looking to move out to rented to allow you and your buyer to move. Be prepared for a total lack of logical thought process from the chain above you though - it's been seen far too often on this thread already. Playing the waiting game is so difficult.

Congratulations PickAChew Wine male vendor is an arse of highest order but at least both female vendor and your family are now done with him forever. How have your children coped with the move? I hope the cold sores and impetigo clear up soon Flowers

We're waiting today - apparently vendor's solc has asked the council for the missing listed building consents. Vendor knows the conservation officer at the council well (not many listed buildings in our borough and vendor seems to be on first names terms with all of the planning dept. and half the local councillors) so hopefully they will pull out the stops for him. If the council can't find these missing consents our solc. has asked vendor's solc to provide an indemnity. we have offered to pay for this if that would be helpful. This seems to the only thing stopping exchange at the moment.

I'm not thinking about moving today though as my lovely dog is having an operation this morning and I'm worried about her. Not about the operation so much but because she's completely terrified of the vets and having to leave her alone there trembling and quivering has upset me a lot Sad. Also the insurance company have shafted me and despite paying them thousands in premiums they have told me they'll only cover £750 for this particular problem leaving us to find the other £2.5k - which, given that all our money has been sunk into the move, is a bitter pill.

OP posts:
MrsJW15 · 06/12/2017 11:10

Sorry, I keep reading these posts during middle of the night breastfeeding sessions and then losing my reply in a tired haze.

Congratulations to those who have moved! And to lubey for exchanging. chew so glad you are in, but that sounds like a lot of work. And how unimpressive of the vendor.

Great news on the subsidence Stormy

Raa that's so crap on schools! Any progress?

Great news that you've found somewhere lazy and that it's a short chain.

Frescoed what a headache. You'd assume solicitors could manage sentences.

Hugs for you and the dog yoga

We have received our mortgage offer and home buyer's survey. However, the mortgage offer was in my maiden name and the lawyer has advised me to purchase in my married name (as that's the name my passport is in) so now waiting for that to get sorted. Also waiting to hear back from vendors as the survey showed signs of a potential historic leak from an extension. On the plus side, I checked with our lawyer about progress on the sale, and it turns out it's just our EA being rubbish, our purchaser is very keen to get moving. They are hoping to sign contracts (?) before Christmas and exchange in January. So I guess that means we are still on for a possible January move date.