Starting over after 25 years - Part Trois

[Lily007]

Time to start a new thread.

I’m hoping all you ‘regulars’ will continue the journey with me 😊

Hiya. Just thought I'd post an update. The people buying my house have pulled out! I'm absolutely gutted. I suspect I won't sell it quickly once the lockdown is over and I'll more than likely lose the lovely little terraced house I'd found.

KH has contacted the building society and agreed a 3 month mortgage payment break, this will mean that the balance outstanding on the mortgage will increase whilst payments are not being made but because I'm getting all the equity, he clearly doesn't give a toss whether it affects me.

It all seems so unfair, he's the one who's done wrong but I seem to be the one paying for it, even 2 years later, whilst he's just merrily carrying on with my replacement!

I'm on my 6th week of working from home now and I'm hating it, being on my own 24/7 with no end in sight is depressing. At least when I thought the house had sold and was thinking about the lovely little house I'd found, I had something to look forward to

Oh Lily no! Why have they pulled out?😡😡 I’m so sorry. Did KH discuss this mortgage break with you? I know exactly how you feel about being at home, I know it’s the right thing to do but I absolutely hate it. It’s driving me nuts, I’m such a sociable person it’s really getting to me now. You will find another buyer and find a home for yourself. I promise. stick with it Lily. He will get his comeuppance. 💝🌸

I would imagine they are worried about their mortgage offer. Martin Lewis was saying on the TV that many financial institutions are having to reassess what they are prepared to give borrowers after all of this, things are being put on hold as they don't know if the government will continue to pay for furlough after the initial few months etc.
Just hang on in there Lily, I'm sure it will work out eventually

Sorry to hear about this Lily. It's so frustrating but nothing to be done about it.
The positive is that you have a job, even one you're not keen on.
I don't know what else to say really.

Thank you for the responses.

No @Redland12 he only told me after the payment holiday had been approved not that he was applying for it. I could have dropped him in it with the building society but, to be honest, I haven’t got the energy for a fight at the moment.

I feel exactly like you, really fed up at being stuck in on my own. I know I’m lucky to be able to work from home but I’m really missing being with other people.

I’m just keeping everything crossed that, once the restrictions are relaxed, I’m lucky and someone will make an offer. I just want something that’s mine and not to be beholden to KH. As long as I’m in this house he’s still got a hold over me.

I know the skank’s market stall closed weeks ago so I suspect he’s having to prop her up financially now. He won’t be too pleased about that, probably why he requested the mortgage payment break. Let’s just hope it causes some friction between them

Onward and upward. Take care everyone and stay safe

Ah yes! I didn’t think about propping her up! TOUGH. I so am missing other people, going for breakfast with the girls, pub meals, drinks at each other’s house, girls holidays booked and now cancelled ☹️ I try to be upbeat but it’s getting harder every day! Keep us updated 🌸🌸

Just seen your update Lily, so sorry to hear about your buyer, here's hoping you'll find another one soon and you don't lose your house as a result. Although most people are in a similar position and you will be a cash buyer. Always a good position to be in.

How are you Lilly? Has there been any progress on the house move? It's such a difficult time for anyone trying to move, hopefully things will pick up soon.

Hello Lily, how are you? What’s happening with you? Hope you are ok.🌸

@Lily007 how are you doing? I keep thinking about you and whether you've managed to progress in your house move.
I hope you've managed to meet up with your son, too.

Hello Lily, you are in my thoughts also, how are you doing? What’s new? Have you moved yet? 🌸🌸

Hi everyone

I’ve just (yesterday) accepted an offer on my house but I’ve had to drop £10,000. I’m praying this sale proceeds smoothly. The man I’m buying from is getting really impatient now and when I messaged him yesterday to say I’ve accepted an offer he replied saying he’ll give me a little more time but only if my sale doesn’t take too long to complete!

I’ll be devastated if I lose the little house I’ve found, I absolutely love it 😍 and it’s in a really nice area.

I’m crossing everything I have some good luck at last.

Oh and I found out last week that KH has arranged his stag do for May 2021 🤬.

I’ve been so down in the dumps lately because I feel nothing’s gone right for me and yet he’s living his best life clearly, it seems so unfair.

I’ll keep you all updated about the house situation 🙏

Thank you so much for keeping in touch 😘

Hiya! So great to hear from you. All will go well Lily I’m sure. So, he’s marrying her!! OMG! Don’t worry you will pick yourself up and come out of this even better! She’s welcome to him! Once you get in that little house and put your mark on it things will feel so different. I guarantee it. Keep us posted 🌸🌸🌸🌸🌸

Thank you so much @Redland12.

I was a bit shocked when I first heard he was marrying her but I’m not bothered now. As you say, they’re welcome to one another.

I really hope everything goes smoothly with the sale of the house, I’m sure being in my own house will make such a difference.

I hope all’s well with you 😘

I’m sure everything will Lily, it always works out in the end and it’s always for the better, I am sooooo happy in my little house, I do see my Ex maybe once a fortnight and we are amicable and actually laugh! He totally funds my life, he pays me a wage every week as he doesn’t want me to work, he says after everything he’s put me through it’s the least he can do. He pays for everything! Now I have a great life and you will too. I promise you. I’ll check in you soon. Good luck with the house. 💋💋

Hello Lily. I hope everything goes smoothly and you'll soon be in a new place.
It might sound like your exh is living the high life, I expect you're still mourning the "what could have beens". Time will show you that his life is not so rosey.
It's a shame about the £10k reduced offer though. 😟

It's good to hear from you Lily. I don't thing a £10k reduction is too bad in the current situation, does your buyer have anything to sell? Your seller is being daft, frankly he should be thanking his lucky stars that he still has a buyer and that you haven't reduced your offer, which is seems to be par for the course right now. If he puts the house back on the market he will be back at square one and it's almost certain he would get less in today's market. I'm sure his EA will be trying to get him to see his best option is to stick with you. I'm keeping my fingers crossed for you.
With regard to KH - I think they deserve each other, but 2021 is a while away, who knows what could happen in the meantime 😉.

Everything's crossed for the move to go smoothly OP

Of course you're bound to be down in the dumps. Being isolated due to Covid, the stress of the move and of course hearing about kh. It's bound to knock you a bit. I had a major dislike for my ex, but still got upset when someone told me he was getting remarried. I know it feels like he's living his best life, but trust me, he won't be, he's strapped himself to Madge, he's already told friends he regrets what he did, so he'll be seeing her as a consolation prize.

Once you've moved and have your own house it'll be so much better. You can put your stamp on it and make it a home. Plus with lockdown easing you can see more of your family and friends

Plus, I'm surprised kh has anyone to go on his stag do. I expect it's all her friends partners and husbands, so they'll have a right royal time drinking in Wetherspoons with the market sellers

How are you doing Lily any movement on the house?

Hi

The house sale/purchase is progressing although I’m waiting for the results of a damp/timber survey for the house I’m buying so yet another thing for me to stress about 🙄.

My house is only 12 years old so nothing major cropped up following the survey so fingers crossed the sale will proceed fairly smoothly.

I can’t wait to move as I feel I’m in limbo at the moment. The whole process is really stressful. I’m anxious all the time and worry about everything. My kitchen appliances are all integrated and I worry my dishwasher or washing machine will pack up and I’ll have to replace it because it’s included in the sale.

The whole lockdown situation is so frustrating too. I’ve worked from home since 23 March and living on my own gets quite lonely. I suppose I shouldn’t complain as I’m better off than lots of people but I’m getting fed up now.

I’m sure once I’ve moved I’ll feel loads better. I’ve recently discovered Frenchic paint and have joined it’s FB group. I’ll be painting anything and everything which should keep me busy.

I’ll keep you posted about the house, just crossing everything the damp and timber survey doesn’t reveal anything too serious 🤞

Take care everyone 😊

Hi Lily, fantastic to hear from you, I do think about you. It’s so easy for me to say don’t worry but you are doing so well. Your house is still there waiting for you, perfect. Also the added bonus of no stamp duty!👏👏 I hated lockdown Lily, as I too am on my own as you know. But I’ve kept busy with online dating, it’s been a godsend. Met some fabulous guys. 😂😂Just keep focusing on your new house, it will amazing once you are in. Brilliant you’ve joined a FB group, get lots of tips.i too will keep everything crossed. Please keep updating, stay strong Lily,💐

Hi All

House sale still hasn’t completed 🤬. It’s a leasehold property and there are all sorts of issues and hurdles to overcome!

As you can imagine, KH isn’t happy at still having to pay towards the mortgage 🙄.

I’m really fed up as the whole process is so stressful and I just want to get out of this house now but it’s probably going to be a few more weeks yet!

I’ll keep you update. Hope you’re all okay 😊

Good that's its still on , abet a tad delayed. Ignore KH , it will take as long as it does !
Remember he is shacked up in his perfect life ( hopefully not ) and yours is yet to come.

Good to hear your update Lily, albeit progress is slow just think soon you'll be in your own house choosing things for you to enjoy.

Poor KH not still having to pay out😁

Great to have an update Lily. As the others say takes as long as it does!! It’s his doing! Keep going, it will all work out, I promise. All ok here thanks. 🥰