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No completion certificate

37 replies

WalkinginMemphis2 · 26/03/2021 10:26

Tearing my hair out!

We had small kitchen extension done 7yrs ago, all above board sought planning/building regs, ended up being a permitted development due to size. But we paid for the local authority inspection package, plans signed off etc. And used a very reputable local builder.

All fine no problems. V happy with end builder. DH dealt with all the council stuff and I dealt with builders and water company and electric provider.

Anyway coming to sell we have a raft of paper work from LA, gas safe for new boiler and NEIC for electrics but no 'completion certificate' this is the first I've ever heard of such a thing. Although reading through all the stuff we bought a package that was supposed to cover this.

Buyer's sol being difficult, we have set them everything we have and can both remember someone from local auth coming round at various points and have been back in touch with builder who has confirmed yes he would have arranged all this. Like I said v v reputable builder with big waiting list so I have no reason to think he wouldn't have booked in all the inspections. But we just don't have this damned bit of paper.

Here's the kicker tho, the remedial action if all parties amiable is insurance, which yes we know and would be quite happy to pay for but understand this doesn't solve the issue. However for that to be an option we're not allowed to check with the council to see if its all being done and it was merely a case if us not having ever requested the cert. As neither of us knew we needed one (well DH would have done if he'd have read the bustard letter properly). Or the inspection has never been done as this prejudices the propective insurance policy apparently. We've paid for it i know that bloody much as have the invoice and receipt!

Any one had anything similar either as a buyer or seller? I'm so upset we're just not normally the sort of people who don't do things properly.

Everything online comes at the position of the seller having done it on the QT and never having got planning/building control from the outset - but thats not the case here, we have absolutely loads of documentation from the LA regarding it and a full planning ref (which suspiciously isn't coming up on the planning portal but we've been told it should), just not this particular document. And if you want to get it checked retrospectively they would have to dismantle it and have it re-built.WTAH surely that's madness?!?

Like I said builder v reputable and popular and I just can't see him not having done this , he arranged for and counter signed the electectrical cert stuff and the gas safe one even though he sub contracted these bits so I can't imagine he would have ever not filled the building control process.

Surely there's got to be something we can do as we have followed the proper process so far as we knew have loads of documentation to prove that.

OP posts:
Lochroy · 26/03/2021 14:29

Not the crux of the matter, but my council only show planning permission cases on their website.

Cases for building regs only approval are not shown.

Something to do with planning cases legally have to be made available for public viewing and comment but building regs cases don't, therefore you have to pay to look up building regs cases which is a revenue steam for the council.

Mildura · 26/03/2021 14:52

It doesn't really protect the mortgage comapny, they are a total waste of money.

MrsSDK · 26/03/2021 14:54

You are right OP that if you request a completion certificate and it can't be issued for some reason, that the indemnity offer is then invalid..

WalkinginMemphis2 · 26/03/2021 14:55

@AnneElliott yes thats what everything im reading looks like the assumption is that you don't have any planning/building regs if you haven't had the cert and that's what the insurance is really protecting against but that's not the case with us. Its very confusing.

OP posts:
AvengingGerbil · 26/03/2021 14:58

Our council will not sign off on building works after a certain (unspecified) amount of time has passed. Our work was completed and signed off except for an extractor fan; we finally put one in ten years later and they said they had no interest or capacity to sign off after that amount of time.

WalkinginMemphis2 · 26/03/2021 19:16

@AvengingGerbil have you tried to sell at all what did they propose you did?

OP posts:
WalkinginMemphis2 · 26/03/2021 19:22

Our has a regularisation process which I keep see being mentioned, looked ot up on our LA website but they talk about it in relation to work undertaken without approval but thats not the case here, I just find it mad that there's not a more sensible solution other than the insurance. It seems a bit of leap that everything assumes if you've not got a single piece of paper that you're up to no good and have undertaken a load of work without planning.

The funny thing is the actual official planning approval note (this looked almost like an invoice and was on tracing style paper) had an accompanying letter saying how important it was and as such it should be kept with your house deeds, but no one's blinking mentioned this!

OP posts:
sarahc336 · 27/03/2021 04:47

You also know that due to the 4 year rule a council can't act on jack of building regs and make you remove work done etc. It's the same for lack of planning permission is null after 10 years do as long as the work is structurally fine the council couldn't act to make you remove it anyway so your vendors are covered anyway but I suspect a mortgage would need an indemnity policy to appease them xx

WalkinginMemphis2 · 27/03/2021 09:19

@sarahc336 yes it's all very confusing as the indemnity seems to protect from enforcement which seems to be the big potential issue, given it is 7 years old though, that's irrelevant as you've pointed out. Well here's the thing it's a cash buyer!

OP posts:
sarahc336 · 27/03/2021 11:59

Op maybe just suck it up and pay out for the indemity policy to maybe keep them happy? You can get them for a couple of hundred pounds, annoying I know but getting a sale through would be worth it I bet xx

WalkinginMemphis2 · 27/03/2021 12:58

@sarahc336 definitely happy to pay for it, but I’m just worried the buyer won’t accept this. Also I’m like a dog with a bone with stuff like this and would rather have the certificate and everything done properly. I’m just desperate to know what’s happened.

OP posts:
FiloPasty · 30/06/2021 09:31

@WalkinginMemphis2 apologies I know this an old thread but I wondered the outcome as we are having something similar. How much were you quoted for the indemnity insurance?

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