Well the fiasco of the so called house sale/repossession continues.
The Estate Agents are being total twats, will not consider reducing their extortionate fee, but after speaking to my solicitor dealing with the sale yesterday it appears someone has been telling big porkies, either the agents to me or the buyer to the agents. The buyers solicitors tell my solicitors that they do NOT have a mortgage approval for the purchase. I was told right from the beginning of the offer that the buyer had a mortgage in place. I have the letter in which the agent told me 16th July the buyer could move quickly and the sale would be concluded in good time. I myself spoke to the agents over three weeks ago and was told the sale would be completed within three weeks! and where are we......zilch happening.
So as today is the date the bank can legally apply for possession what will happen?
It appears plank is panicking and has been talking to the bank. I had three letters arrive last week, the only communication from them since the repossession court hearing. One asking me for all my income and expenditure to be filled in on their forms. WTF?? Two others the next day regarding complaints made to them, by whom and what about?? I have no idea. I assume plank has made the complaints. No idea what for as the papers do not inform me.
But don't worry plank is still merrily carrying on as usual....
Last week a trip to Chessington for him and his "new family" - my daughter was very upset on hearing this as she has now been frozen out of any trips and holidays. Then his sister comes up for a few days to visit, so on Saturday they all go on a trip to Great Yarmouth, all these places are several hours away, so he can't be that skint can he?
oh and the best, this weekend they are having a BBQ to celebrate their 1st wedding anniversary, oh bless!! and OMG daughter and her boyfriend have been invited, but no they are not allowed to stay the night. Well it's only about 25 miles away so he is happy to do 100 miles in petrol to come and get them and take them home. Sunday he came down to visit said daughter to bring his sister to see her, but he was unable to loan her £3.50 to get to college the following day as he had no money.
Sister was taken to see other daughter on the way and her new baby. But said daughter was not allowed to go (baby is only a month old she still hasn't seen it) as he would have to come and get her and bring her "all the way back again" a total of an extra 25/30 miles - wow, he had done 100's last week taking his new family here there and everywhere but not his own daughter to meet her niece.
Is it any wonder he has alienated almost everyone!
Tuesday, 18 August 2009
Saturday, 8 August 2009
Another week gone by....
and still no further forward.
Have had no news regarding the sale of the house. Went to see the CAB on Wednesday there doesn't appear to be any way to get the fees reduced to enable to sale to go ahead. Strangely there is a news item this morning on mortgage lenders fees levied on people who have arrears, may be useful to follow that in the eventuality of claiming some money back in the future.
Spoke to the estate agent (extortioner) on my return, he will not lower the fee which works out at 3%. The solicitor says this is extortionate and to persist to try and get it lowered. I told the agent I have two choices either let the sale proceed and owe them money or withdraw and let the repossession go ahead. He was rather rattled and argued that I would still have to pay an estate agent via the lender to sell the house, maybe I said but not at your fees!!
Oh plank apparently spoke to the agent earlier and was happy with the fee!! My solicitor put him right on that and told him straight, if the fee is not reduced the sale will not complete. He replied he is on a debt management programme, well we all know he is in debt up to his eyeballs!!
Prefers to shower new wifey with expensive gifts and trips to the ballet (big laugh) rather than settle his responsibilities!!
All on credit of course!!! Way to go don't change now will you, we will all be so upset!! 30 years of this I've had with him, and it seems it will go to the wire before it all ends and I can at last have a fresh start.
Took my son to see his psychologist last week, she asked how things were with his feelings for his father - his reply- I just want him to die a slow and painful death.
I have so much to deal with because of plank and it looks like he will continue to drag me down as far as he possibly can, sodding twat!!
Have had no news regarding the sale of the house. Went to see the CAB on Wednesday there doesn't appear to be any way to get the fees reduced to enable to sale to go ahead. Strangely there is a news item this morning on mortgage lenders fees levied on people who have arrears, may be useful to follow that in the eventuality of claiming some money back in the future.
Spoke to the estate agent (extortioner) on my return, he will not lower the fee which works out at 3%. The solicitor says this is extortionate and to persist to try and get it lowered. I told the agent I have two choices either let the sale proceed and owe them money or withdraw and let the repossession go ahead. He was rather rattled and argued that I would still have to pay an estate agent via the lender to sell the house, maybe I said but not at your fees!!
Oh plank apparently spoke to the agent earlier and was happy with the fee!! My solicitor put him right on that and told him straight, if the fee is not reduced the sale will not complete. He replied he is on a debt management programme, well we all know he is in debt up to his eyeballs!!
Prefers to shower new wifey with expensive gifts and trips to the ballet (big laugh) rather than settle his responsibilities!!
All on credit of course!!! Way to go don't change now will you, we will all be so upset!! 30 years of this I've had with him, and it seems it will go to the wire before it all ends and I can at last have a fresh start.
Took my son to see his psychologist last week, she asked how things were with his feelings for his father - his reply- I just want him to die a slow and painful death.
I have so much to deal with because of plank and it looks like he will continue to drag me down as far as he possibly can, sodding twat!!
Sunday, 2 August 2009
When Will It Ever End.........
A month has gone since my last entry and still nothing has changed....
Plank being the twat he is has not paid the council tax owing on the "matrimonial" home. The council now want the full year paid and have added another £100 to the bill just to help things along. The property has been empty since I moved out last October, the council only allow a six month period of non payment before they start charging you again and seemingly the full amount!! Work that one out.
The council sent him a bill in April which he has ignored, they were then supposed to send a bill to me if he didn't pay, this they didn't and now I am tarred with the same brush as him. Why you may ask should he pay, well he has paid nowt since December 2007 on the house in any way shape or form, he is working, I am not.
The possession order on the house was granted last week even though a sale had been secured, adding another £750 onto the money coming out of the "proceeds" - the redemption charges the bank have added to pay up the mortgage have also added another £1000 to the final amount, meaning that I have now not enough out of the agreed sale price to let the sale proceed unless one of the tossers in the equation relent and reduce their fee.
The estate agents want £2600 for selling a house - that they valued at £130k when they took the sale on in September 2007 - they have eventually sold for £78000. A friend sold a property this week for £110k and has been charged over £1000 less than that, work that one out!!
Apparently these agents work on a fixed fee, not a percentage!! Well if I am having to take over £50k less than anticipated I expect a fee equivalent to that reduction to be charged.
So what do I do, allow the repossession to go ahead 18th August, bearing in mind it was a fixed fee mortgage they have been charging interest at over 5% all this time, now it seems the tide is turning and the property market is beginning to recover they decide to take it, so no doubt make more than the prices of the past 18 months, all at my expense - or fight on for a sale that's being eaten up with extortionate fess that no one appears to want to help in any way reduce!!
I am not coming out of this with debt!!!
Sick of it all, the banks, estate agents, plank being a twat, the council tax people who are stupid wanting to charge tax on an unoccupied house using NO services!!
Plank being the twat he is has not paid the council tax owing on the "matrimonial" home. The council now want the full year paid and have added another £100 to the bill just to help things along. The property has been empty since I moved out last October, the council only allow a six month period of non payment before they start charging you again and seemingly the full amount!! Work that one out.
The council sent him a bill in April which he has ignored, they were then supposed to send a bill to me if he didn't pay, this they didn't and now I am tarred with the same brush as him. Why you may ask should he pay, well he has paid nowt since December 2007 on the house in any way shape or form, he is working, I am not.
The possession order on the house was granted last week even though a sale had been secured, adding another £750 onto the money coming out of the "proceeds" - the redemption charges the bank have added to pay up the mortgage have also added another £1000 to the final amount, meaning that I have now not enough out of the agreed sale price to let the sale proceed unless one of the tossers in the equation relent and reduce their fee.
The estate agents want £2600 for selling a house - that they valued at £130k when they took the sale on in September 2007 - they have eventually sold for £78000. A friend sold a property this week for £110k and has been charged over £1000 less than that, work that one out!!
Apparently these agents work on a fixed fee, not a percentage!! Well if I am having to take over £50k less than anticipated I expect a fee equivalent to that reduction to be charged.
So what do I do, allow the repossession to go ahead 18th August, bearing in mind it was a fixed fee mortgage they have been charging interest at over 5% all this time, now it seems the tide is turning and the property market is beginning to recover they decide to take it, so no doubt make more than the prices of the past 18 months, all at my expense - or fight on for a sale that's being eaten up with extortionate fess that no one appears to want to help in any way reduce!!
I am not coming out of this with debt!!!
Sick of it all, the banks, estate agents, plank being a twat, the council tax people who are stupid wanting to charge tax on an unoccupied house using NO services!!
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