My $%*@!! house has just fallen through

[Hardcoreruss]

As the title, the bastards have pulled out, some half assed excuse of not being able to get their dustbin into a new school however they are only moving 5 minutes down the road.

Cost me the best part of a bag, I am in the worst mood ever. Stuck with this shoe box of a flat. Off looking at 13 properties today, yep 13. Cause if we don't hurry we will lose our buyer aswell.

The process of buying houses in the UK has GOT to be changed.

[Will Hay]

Sorry to hear that pal, it was a nice house too
Will

[pacmania_2001]

Sad to hear that mate.

The same thing happened to a friend of mine and she had already entered a contract on a new house. She wasn't the happiest person for a few weeks.

Hope you find a new buyer.

[Craig Tucker]

Thats a bitch, I was going to post in the house moving thread this week to see how things were going, jesus this is a long drawn out process is'nt it.

Like you said the laws need to be changed, if you agree to purchase or to sell you should be bound to that agreement, at the moment it is far too easy to piss people about and cost them a shitload of money. They have been talking about bringing a sellers pack and the system they use in Scotland to England for years but nothing has happened about it.

Our sale and purchase is still goung through at the moment "fingers crossed" but it has also had its complications. Hell we are talking about three months here and I have still not got a moving date yet.

The biggest problem was the twat of a surveyor that came round to value our property for our buyers lenders. We put our place on the market for £125,000 and we got the asking price the very next day. The house is not in the best area but it is an excellent property. The valuer downvalued it saying that it was not worth any more than £120,000, so of course our buyer could not get a mortgage for the full amount which meant I would have to drop the sale price by 5 grand, I was not prepared to do that.

I managed to speak to the surveyor in question, and he just would not budge, I told him that at some point a house in a particular area has to set a precident and be the most expensive otherwise prices would stay stagnent and never increase, but he would not accept this. He said the only way he would reconsider was if I was to find something that had sold for this sort of price in a 1 mile radius. So basically I had to do his job for him - bastard. I knew my house was worth 125K, my buyer knew it, my estate agent knew it and my mortage advisor knew it but this dick head would not change his valuation.

Luckily I found a property that had sold in the next street, for 116K, just 4 thousand less than this suveyor said ours was worth. However this place was terraced (ours is a semi), it has no conservatory, no dining room, no en-suite, no side access for a vehicle, less parking, was on a much smaller plot, and our property was 35%, yes 35% bigger in floor area, and this tosser equated all this to an extra 4 grand. After I presented all this evidence to him (done his job basically) he had to concede defeat and revalue back up to 125k. This prat stalled the process by about 2 weeks because he could not do his job properly.

I was also refused a mortgage because of a bad credit rating, which I could not understand. I got my credit report and found that according to it, for the last 28 months I had been in arrears with my mortgage. It turns out that this was a clerical error on the part of my mortgage lender who set my payments for the 1st of every month, when they were due at the end of the previous month. So they set the date for my payments and then because they were late this affected my credit rating. This was all sorted out but again held things up by another couple of weeks.

I am hoping to be through the worst of it now and hope to get a date for exchange very soon. But house moving really is a major pain in the arse.

[Cobra]

Like you said the laws need to be changed, if you agree to purchase or to sell you should be bound to that agreement

Isn't this the case in Scotland? I know it is certainly a lot easier to move home up there, because the law is bang up-to-date. The English system is madness. In fact, housing in the UK is madness, full stop.

Cobra

[Will Hay]

The biggest problem was the twat of a surveyor

All surveyors are twats
But domestic ones are the worst, the ones that couldn't make it into real building, ie. construction
I had a smarmy arsed bastard once too who was a complte prick until he found out what I did for a living; wanker.
Will

[Craig Tucker]

Like you said the laws need to be changed, if you agree to purchase or to sell you should be bound to that agreement

Isn't this the case in Scotland? I know it is certainly a lot easier to move home up there, because the law is bang up-to-date. The English system is madness. In fact, housing in the UK is madness, full stop.

Cobra

Yes, I mentioned that in the second paragraph. I know its a pretty long post, but I thought you would have got that far

[flaninacupboard]

well it could be worse, with only GCSE's and no specific skills i'm limited to a not very well paid office job. the press is in crisis beause SIX TIMES a persons salary is being offered. well, when i earn ~10K and a house in this area is ~100K how the hell am i supposed to buy one? save up a £40K deposit?

[Hardcoreruss]

Happy Happy Happy days

Just got back, found a house much better than the previous, could be fate and all that.

The first house was £247k and we were going to spend £15k on new floors, decorating etc..

Just seen another house, 237.5k and everything inside is bang on, does not need a stroke except some adjustment to some questionable colour schemes. It's only a semi unlike the first that was detached but it has a larger en-suite and the bedrooms are larger. Also only 5 mins from the other and in a slightly better local.

We jumped in straight away with the full bifta and it was accepted. So now we have 30k to spunk on quality gadgets.

Right I am off to convince her that we need a 50inch plasma as opposed to a meagre 42inch. Wish me luck.

[Cobra]

I wish you luck!

Congratulations, Russ!

Cobra

[Guest]

Right I am off to convince her that we need a 50inch plasma as opposed to a meagre 42inch. Wish me luck.

Go with a 61 in dlp.

[Hardcoreruss]

dlp ?

61 thought thats about 15k I'd need some xtreme talent to convince her of that one

[Guest]

dlp ?

61 thought thats about 15k I'd need some xtreme talent to convince her of that one

My Samsung was 5k US$

DLP
http://www.dlp.com/Default.asp?DCMP=TIHomeTracking&HQS=Other+OT+home_dlp&bhcp=1#Scene_1

check out the demo

[flaninacupboard]

*Annihalates brain with screwdriver because i'll never EVER have that much money*

Don't get DLP, get CRT!

[Guest]

*Annihalates brain with screwdriver because i'll never EVER have that much money*

Don't get DLP, get CRT!

Youre probably right. I miss the ol black&white with the 2 minute warmup

[flaninacupboard]

No, serisously!

LCD - can't do black.
Plasma, can sort of do black - only lasts 10,000 hours.
LCD projector - can't do black, noisy, can sometimes see LCD structure.
DLP - nice pretty colours round white objects. don't know if it can do black.
CRT - expensive - big.


As ever the opinion disclaimer is attached - and things may be better now, i was looking for a display about 18 months ago and decided to just go for a normal tube. the qualityrice just wasn;t right on anything else.