Buyers sellers roll call 17 - the one where everyone finally completes

[gingerninja1]

Last thread is now full so started another one so the mutual support can continue

@paranoidandroidmarvin
@takeyourfinalposition
@getyourassoffthatquattro
@shineysides
@blacklilypad

Oh god @Okigen @Jaggedbubble the stress 😩 we are a month away from our mortgage deadline with outstanding enquiries too and it's keeping me awake most nights. I really hope it works out for all of us.

It's so hard to get solicitors/conveyancers talking to each other isn't it? I feel like I'm playing a massive game of Chinese whispers most of the time. Except it's not a game obviously.

Thank you all! We’re in!!

It’s been a bit of an eventful move… we were up until 3am sorting things last night, then back up at 6:30 to load the van and make the move. My husband hurt himself quite badly packing; so it’s been really tough! And then our buyer turned up at 10:30. I told him nothing would happen before 1pm but he kept saying that was too late for him, and pacing around outside.

We got out 20 mins ahead of schedule; but had a two hour wait for completion to occur… and our new house is a bit of a mixed bag. It’s definitely been treated pretty poorly since we last saw it! Some of the sideboards have gone, the floor is more scratched. Our seller left champagne and flowers, but also left a long note about things that are currently broken, like the front door and sink; and he’s left a lot of bricks and things that he didn’t need anymore. It’s also quite dirty & it smells quite strongly.

But, with a bit of help from friends, we’ve got almost everything in. We’ve got some boxes in storage that we’ll sort slowly once I’ve had DH’s arm checked out… but I need a rest and the van needs returning.

I sobbed leaving my flat

Re mortgage offers; someone in our chains expires tomorrow; and it came off… we hadn’t even exchanged at this point last week. I hope the same happens for you!

@TakeYourFinalPosition
Sorry to hear about your DH, but you did it - you can nest/rest now! 🎉🍾

@TakeYourFinalPosition sounds like you have had A DAY. Hope your DH is okay. So sorry that the house wasn't such a great state but hopefully in a few days you can sort most of that.
At least you are rid of that bloody PITA buyer!
Thanks for the hope, I really need that right now!

@glastogal Oh gosh, I'm shocked at their level of attention to details. I had to correct their documents multiple times. I even told them exactly how much stamp duty I'll pay and they still managed to get it incorrectly. My solicitor used to train with a Magic Circle firm and I have no idea how she managed to qualify. I worked for an accounting practice and if I'm THAT dumb I would have been shot.

@TakeYourFinalPosition I'm sorry for your DH and the fact that the house isn't in a great condition. But plenty of time to fix it. The most important thing is you made it in now!!!

So glad you're in now @TakeYourFinalPosition, annoying the house wasn't as you remembered it but now you're there you can get it all fixed up (husband's back and new baby notwithstanding!)

@Okigen I feel that was about the "solicitors" on the other side of our purchase. They are completely incompetent. I'm definitely never dealing with them again. We need to sell our house next year and we will be pulling out if our buyers instruct these bozos!!

@glastogal I wonder whether someone compiles list of solicitors to avoid. The process in England is already as stupid as it is and then you have these incompetent lots to add to the bunch 🤦

Hoping for some mortgage news today.

Actually feeling a bit down and weird about leaving our house next Friday. There's no happy to go with it. Just feels negative having nowhere to go. I mean we are staying at my parents it's not horrific but still

Just praying for completion on our purchase before Christmas.

Still no news on our mortgage either, 17 days and counting.. apparently Barclays are having 'system issues' but our broker might be fobbing us off..

Argh. My solicitor has raised more bloody enquiries about a shed that definitely doesn't need the planning permission she wants proof for. It's so frustrating as we just know the other side won't answer and then everything will be delayed more. Just as you think you're getting somewhere..

Oh no @Summersdreaming that's rubbish.

Well we were supposed to exchange today. Email from solicitor at 1 after me chasing up saying she'd let me know, and nothing.

Email from estate agent saying buyer had asked if we'd emptied the garage?!
Just replied saying it would be empty on completion. Not sure what is going on now?

@Getyourarseofffthequattro oh it's so annoying when they just go quiet. I hope you get good news yet tonight, they seem to work late!!

@Summersdreaming hope you get good news on your mortgage soon. Every little part of this process has the potential to take ages, doesn't it?!

EA has been super quiet this week and hasn't replied my email yet. She normally is very keen to chase everyone, so either she is on holiday (finger crossed!) or the seller has problems.

I passed by my solicitor office to drop off some documents and requested to see my solicitor. Couldn't see her as she "is another meeting", but eventually received a nice long update email at the end of the day and a promise to handle my case with "urgency". I guess 1 hour sitting there chilling at reception must have set something off.

Haven’t posted on this thread before but really need a moan tonight about our sellers and thought this might be the place. They picked a completion date (literally: said they’d discussed it with their sellers and would we do it, no options offered). Not ideal for us but we said if our buyers could do it we would. Buyers very happy with date so we confirmed. Sellers then decide they want the following day to give more time for packing. Again, we line everyone up and say yes. Now they discover they can’t book a removal firm and are asking can we delay another week or two! Why the hell would you dictate a timetable to everyone else without checking you can bloody do it first? We were supposed to be in by the end of November but I can’t see that happening now. Urgh. Huge glass of wine time and hope all can be resolved next week. Wishing the same for everyone else too.

@EverybodyWants2BaCat for you! This thread has been eye opening for me, why are people so annoying.

Just here reading everyone’s posts and trying to find something that makes me feel better. I don’t know what but I have turned into a crazy anxious/overthinking loony ! This whole process has turned a level headed and sensible/reasonable person into a bloody anxious/nervous wreck having constant palpitations. Is this normal ??
😬. It’s getting worse by the day !

So there is a chain of 5. We are 3rd up. Things didn’t seem to do much at all having sold and offer accepted back at the end of July. But suddenly everything feels frantic. Top of the chain have been restless and demanding with dates. weeks ago I was passed a message via our seller which asked if we could move the following week. Crazy ! Surely people understand it doesn’t work like that.

At the beginning of the week the 19th was put forward and it seems we are aiming for that. However I spoke to our solicitor and he doesn’t think it will necessarily happen as someone survey has expired (HTB) and is being extended Monday. But this can take 3 days. We also have 2 enquires outstanding. But seem relatively simple stuff - but who knows really! It’s awful when you don’t know the process. We collected our report Friday and have contracts to sign and drop in Monday. But we are also still outstanding our mortgage redemption. This has been requested but can take 5 days. It was done Friday.

No date has been given for exchange but I guess that could vary. But it’s on the covering letter to complete on the 19th.

Mr question is, is it normal to do very little then make a mad scramble in the final week or two?

Are people exchanging and completing within a day or two apart?

Is anyone on eggshells that every time the email pings or the phone rings they expect a massive problem?

Myself and my husband are flexible regarding dates. If we can exchange I will relax totally. But I feel a sense of urgency above and I worry they will pull out. Surely not so late on for the sake of a week or so? I need to also stop googling problems !!! Arghh 😂😂

Glad to see happy endings on here despite the stress. It gives me hope x

Thank you @Summersdreaming. Feeling a bit better after lots of wine and I’m sure we’ll find a date eventually. We have a few weeks before it’s really crucial in terms of mortgages expiring etc, but just fed up of it dragging on and our two DC are longing to get into the new place and their new rooms.

@Mumsybud so sorry you are having a rough time with your chain too. I think something happens when selling houses and some people decide the entire chain (and world) revolves around them. I think the quiet for a long time and then all happening at once is quite normal unfortunately as it adds to the stress.

8 working days til mortgage expiry and still not signed any exchange paperwork due to one final issue solicitors arguing about panic intensifies

Email from solicitor today, apparently we will "try again on Monday" to exchange.

No word re mortgage amendment either

Lots of posts about mortgages nearing their expiry. Just shows how messy and long things seem to be.

Well we are packed and ready to go Friday (working through the week). It just seems crazy to be aiming for Friday when there are still outstanding issues.

Signed our contract with an instruction to ‘sign the plan’. No plan enclosed. I better give them a call tomorrow.

Same as everyone else. Sleepless night and swear I’m never moving again 😂.

Hope this week brings progress for everyone!

@Mumsybud we are also working towards Friday.... Eek! Only for our sale mind you.

Aiming for pre Xmas for our purchase. Basically waiting on Santander. Everything else in theory should be fine. We've had our mortgage offer ages, it's a small amendment, we want to borrow either the same or less (trying to avoid early repayment fees) the property is cheaper and we are earning more than we did when we applied the first time. It's like pulling teeth. It should be a simple "yes we can see nothings changed for the worse, we'll do a survey and re issue the offer" but they've pissed around for two weeks so far and have only managed to ask us how much our current mortgage is, our mortgage with them which we are porting morons.

This is why I get so worried. Because nothing is ever common sense is it.

As a condition of our Mortgage we need to a pay a debt off. We had asked for this and are more than happy to as we want to move debt free. Our Mortgage offer states to be pain ‘prior or on completion’. But our solicitor writes ‘ before draw down and completion’. I rung our broker who said it’s fine dont worry. We have it all accounted for in our sale. But I do worry because I don’t trust things will be common sense. Example above in your own experience.

I hope you get sorted. Good luck for Friday, your half way there then ☺️

Good luck @Mumsybud and @Getyourarseofffthequattro for getting it all done for Friday ! Got everything crossed for you.

We've got to send updated source of funds stuff today/tomorrow (just waiting for one bank statement - come on Barclays!) and are hoping to get our solicitors report tomorrow and then MAYBE we can get the contracts to sign 🤞🤞

@glastogal

Good luck *@Mumsybud and @Getyourarseofffthequattro* for getting it all done for Friday ! Got everything crossed for you.

We've got to send updated source of funds stuff today/tomorrow (just waiting for one bank statement - come on Barclays!) and are hoping to get our solicitors report tomorrow and then MAYBE we can get the contracts to sign 🤞🤞

Thanks @glastogal no news yet :(