Buying a house (and renting)

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Curls
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PostRe: Buying a house (and renting)
by Curls » Thu Sep 17, 2020 10:56 pm

Well I won't overpay more than the 10 % due to the charges as you say, which is why I have to wait until after the 2 years, so yes maybe if I agree to move it to new provider about four or 5 days after this period ends, and squeeze that overpayment in when I won't get hit by charges. All depends how much money I save I guess. I'm being optimistic.

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Victor Mildew
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PostRe: Buying a house (and renting)
by Victor Mildew » Fri Sep 18, 2020 7:20 am

Kezzer wrote:Lets start the campaign for Moggy's Legal Aid!


Moggy Aid. Let's record a single and all turn up for the video pretending to be scruffy, in brand new clothes.

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Moggy
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PostRe: Buying a house (and renting)
by Moggy » Fri Sep 18, 2020 10:52 am

I've drafted a letter for the landlord, which will be sent via the property manangement company. I am giving them a chance of settling it before I proceed to the tribunal option and have given them scope to make an offer to settle. I fully expect them to either reject it or come back with an insulting offer, but at least then I can show a tribunal that I have tried to be reasonable.

I refer to my previous correspondence with TwatCompany and the recent decision by the Property Ombudsman.

As you will be aware, the Property Ombudsman has supported my complaint and has awarded me £250 in compensation from TwatCompany. The Property Ombudsman has stated that this will need to be paid directly to me and not credited to the service charge account. I have therefore listed my bank details below for TwatCompany to arrange payment:

Account Name: xxx
Sort Code: xxx
Account Number: xxx

While the Property Ombudsman has ruled on TwatCompany’s misleading communication and the aggravation caused, they have been unable to rule on the main complaint that I have. They have stated that this is a matter for a court or tribunal, however they have also made clear that they believe TwatCompany’s correspondence gave a clear impression that the 50% was accepted as full and final settlement of the total balance of arrears.

My position remains absolutely clear, the matter was settled when my 50% offer was accepted, the subsequent demands for payment and the adding of interest to the balance constitute a breaking of the full and final settlement agreement we had made.

After speaking to my solicitor, he has advised that as a goodwill gesture I should write one final time to allow you the chance to make things right. My solicitor states that the decision by the Property Ombudsman gives a clear indication of the way a court or tribunal will rule on this matter but that it is only fair to give notice to the landlord of the actions we will be forced to take if the matter is not fully settled to my satisfaction.

On TwatCompany’s latest invoice, the balance is showing as £xxx (I have removed the latest £xxx service charge that will be paid on its due date). There have been various charges added and removed since I settled the account, but the disputed balance amount appears to be made up as follows:

Breakdown of figures

I believe that the agreement that was made should stand and the above amount should be cleared from my account balance. The interest charges have been added to a balance that was never due (as they were added following the agreed full and final settlement) and so should also be removed.

Please be aware that I will not hesitate to proceed with formal legal action if the agreement we made is not honoured, this is my final attempt at resolving matters before I proceed down the formal legal route.

I believe I have acted reasonably throughout this whole matter and I am prepared to continue to act in a reasonable manner, if you have a solution that will satisfy both of us then I am prepared to listen but you should be aware that I am unwilling to once again enter into a protracted negotiation regarding costs that I do not believe are due.

This whole matter has been ongoing for over 6 years now and has caused me considerable stress and worry over that entire time period, this matter needs to be put to a swift end.

I would be grateful for your most urgent reply.


Like I said, it will end up being a waste of time, but it's worth one final go.

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Tomous
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PostRe: Buying a house (and renting)
by Tomous » Fri Sep 18, 2020 10:55 am

I hope you sent it with TwatCompany

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Moggy
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PostRe: Buying a house (and renting)
by Moggy » Fri Sep 18, 2020 10:57 am

Tomous wrote:I hope you sent it with TwatCompany


That's actually their real name.

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Victor Mildew
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PostRe: Buying a house (and renting)
by Victor Mildew » Fri Sep 18, 2020 11:09 am

I'll be honest Moggy, I'm going to struggle to find a good chord sequence to fit that

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Tomous
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PostRe: Buying a house (and renting)
by Tomous » Fri Sep 18, 2020 11:13 am

Just put it to C–G–Am–F.

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OrangeRKN
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PostRe: Buying a house (and renting)
by OrangeRKN » Fri Sep 18, 2020 11:14 am

Victor Mildew wrote:I'll be honest Moggy, I'm going to struggle to find a good chord sequence to fit that


Just go with the lyrics "Do they know it's holiday time at all?"

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Moggy
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PostRe: Buying a house (and renting)
by Moggy » Fri Sep 18, 2020 11:49 am

The lyrics of the song just need to be "banana splits banana splits banana splits".

I've not sent the letter yet, going to continue working on it over the weekend. I hope they settle (they won't) but the letter really needs to be aimed at the judge of the tribunal, to show I've been reasonable, am stressed etc. I'm not sure that letter does the full job, but it's an ok first draft.

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OrangeRKN
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PostRe: Buying a house (and renting)
by OrangeRKN » Fri Sep 18, 2020 7:06 pm

Offer accepted on our first house o:

You know when you've finished an exam but there are two months until you get the results? I feel like that

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Drumstick
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PostRe: Buying a house (and renting)
by Drumstick » Fri Sep 18, 2020 7:08 pm

Nice one Orange.

Now prepare to get buttfucked in fees.

One man should not have this much power in this game. Luckily I'm not an ordinary man.
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OrangeRKN
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PostRe: Buying a house (and renting)
by OrangeRKN » Fri Sep 18, 2020 7:15 pm

Yeah, we need to find a solicitors now. Luckily my girlfriend's dad is an estate agent so we've got good advice!

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andretmzt
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PostRe: Buying a house (and renting)
by andretmzt » Mon Sep 21, 2020 3:27 pm

I don't think I have ever heard someone describe having an estate agent in the family as being lucky. :shifty:

Estate agent for the house I am trying to buy sent me an email earlier asking for an update. The same strawberry float who ignored my calls and emails for updates the six weeks prior. :simper:

If the vendor pulls out now I swear to god...

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No new exclusive PS4 games.
No longer free MP for PS4.

Microsoft win E3.
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Tomous
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PostRe: Buying a house (and renting)
by Tomous » Mon Sep 21, 2020 3:30 pm

OrangeRKN wrote:Yeah, we need to find a solicitors now. Luckily my girlfriend's dad is an estate agent so we've got good advice!



Good advice from an estate agent is a bold assumption.

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OrangeRKN
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PostRe: Buying a house (and renting)
by OrangeRKN » Mon Sep 21, 2020 4:20 pm

:lol:

Well one assumes they must know how everything works in order to exploit the situation as much as possible ;)

Looking for a solicitor right now... I had assumed there would be a need to have them based locally, hence a relatively small pool it'd be easy to get quotes from and compare. Turns out your solicitors can be based anywhere which means there is far too much choice and I have no idea where to start! I've asked both the estate agents and mortgage broker for their recommendations and I also have asked a couple of friends who moved in the last few years.

I wish this sort of stuff was taught at school, I am very lost

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Tomous
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PostRe: Buying a house (and renting)
by Tomous » Mon Sep 21, 2020 4:27 pm

OrangeRKN wrote::lol:

Well one assumes they must know how everything works in order to exploit the situation as much as possible ;)

Looking for a solicitor right now... I had assumed there would be a need to have them based locally, hence a relatively small pool it'd be easy to get quotes from and compare. Turns out your solicitors can be based anywhere which means there is far too much choice and I have no idea where to start! I've asked both the estate agents and mortgage broker for their recommendations and I also have asked a couple of friends who moved in the last few years.

I wish this sort of stuff was taught at school, I am very lost



Another bold assumption.

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Dual
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PostRe: Buying a house (and renting)
by Dual » Mon Sep 21, 2020 9:47 pm

OrangeRKN wrote::lol:

Well one assumes they must know how everything works in order to exploit the situation as much as possible ;)

Looking for a solicitor right now... I had assumed there would be a need to have them based locally, hence a relatively small pool it'd be easy to get quotes from and compare. Turns out your solicitors can be based anywhere which means there is far too much choice and I have no idea where to start! I've asked both the estate agents and mortgage broker for their recommendations and I also have asked a couple of friends who moved in the last few years.

I wish this sort of stuff was taught at school, I am very lost


Go online and get a few quotes. There's loads out there.

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Grumpy David
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PostRe: Buying a house (and renting)
by Grumpy David » Mon Sep 21, 2020 9:58 pm

OrangeRKN wrote::lol:

Well one assumes they must know how everything works in order to exploit the situation as much as possible ;)

Looking for a solicitor right now... I had assumed there would be a need to have them based locally, hence a relatively small pool it'd be easy to get quotes from and compare. Turns out your solicitors can be based anywhere which means there is far too much choice and I have no idea where to start! I've asked both the estate agents and mortgage broker for their recommendations and I also have asked a couple of friends who moved in the last few years.

I wish this sort of stuff was taught at school, I am very lost



https://www.reallymoving.com/

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Moggy
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PostRe: Buying a house (and renting)
by Moggy » Wed Sep 30, 2020 1:23 pm

The banana splits are still strawberry floating around.

The ombudsman has emailed me to say that they've asked that the £250 compensation be taken off of the "debt" rather than them paying directly.

I've emailed back to say it's completely unacceptable to pay the compensation that way, as as far as I'm concerned there is no debt. I also pointed out that the ombudsman's decision specifically stated they shouldn't pay it this way, as my "debt" is with the landlord not the property. The ombudsman had said they would be critical if they tried to settle it this way.

Useless strawberry floating con artist banana splits.

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Cuttooth
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PostRe: Buying a house (and renting)
by Cuttooth » Wed Sep 30, 2020 1:40 pm

Sounds like they know they don't have a leg to stand on.


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