I’ve just had my TSH checked for the first time since starting LDN 3 weeks ago and it’s risen from 2.2 to 4.4! I thought LDN was meant to lower TSH, not increase it. Has this happened to anyone? I don’t want to stop it because 4.4 is not even that high and this might be temporary, but does this happen in some people? Thanks so much!
We are FTB almost at exchange. When we first met our estate agent, we liked her because she wasn’t pushy like the others we’d seen. She also didn’t dissuade us when we put in a lower offer that eventually got accepted.
During our second viewing, however, she was on her phone scrolling the entire time, but we just thought she was leaving us to it. We asked her a bunch of questions about the property, which she just didn’t answer. She then pushed us to get a survey before we instructed a solicitor, saying they’ll only take it off the market if we do that. After 2 weeks when the solicitor was doing their thing, she asked my partner and I for a review, citing that she and her colleagues were having a contest and they needed reviews in by that day. I was still blinded by my love of the property and just believed her and kinda wanted to keep her sweet.
Fast forward to a month in and we learn through our solicitor that the flat was underpinned back in 2004. The agent had known but didn’t tell us. This time I got vexed and told her outright that she should’ve told us. She said she didn’t want to get into a “he said, she said” exchange. I didn’t even know what this means considering she never told us.
This caused us to prolong things and get a structural survey, which came back as having moderately high subsidence risk if trees weren’t kept in check (they are - council is liable). Anyway, the solicitor wanted to tell the bank, so we did and told our agent.
She then replied with an obviously AI-written email saying this was “unnecessary concern” and that she “strongly urged us to rethink sending it to the bank, which could delay our purchase”. We basically replied and said we would heed our solicitor’s advice, thanks.
The bank is making an on-site visit to value it. We told her this, but she’s now not replied to our last two emails. I really want to reply and CC in her manager, but I know this is a bit of a d*** move. What can we do if we aren’t happy with the seller’s estate agent?
Okay, I’ve tried every single B vitamin under the sun in every single form and they ALL make my stomach five sizes bigger and make me RAVENOUS. It’s like my stomach is a black hole that can’t be filled. However, they make me energetic, make me calm and happy and make my skin glow. Why is there always a trade-off?!
I have Hashimoto’s, Rheumatoid Arthritis, Beta Thalassemia TRAIT, and high prolactin, so supplements help, especially B vitamins. Has anyone experienced the same?
We - FTB - received a structural engineer report with a “moderately high risk of subsidence if the trees aren’t kept in check by the council”. The flat was underpinned in 2004 and there’s no sign of movement now, which the report also noted. There’s also building insurance. However, even with no current risk, the report seemed to freak everyone out, including us and the solicitor, who sent it to the bank. They now want to make an in-person visit, as the initial one was desktop-only.
Since then, however, we have sent the report to an arborist, an insurer, and the company that originally did the underpinning 22 yrs ago and there’s been a backlash from all of them against the report with everyone saying the risk of future subsidence is actually low and the initial report was over-cautious.
Have we blown this by being over-anxious? We feel terrible for putting the sellers through this stress - do sellers at this stage (almost at exchange) pull out over this? Is it likely the bank will withdraw the offer? I know that no-one is a prophet or seer here, but any experiences welcome.
I’ve written a couple of posts on this because it’s basically all I can think about.
We’ve received our structural engineer report and it doesn’t look good. Would you still buy a flat you loved if this was in the report?
Context: previous historic (22 yrs ago) subsidence, partially underpinned. No current movement. Has building insurance.
Official report:
“We saw no evidence of any recent or continued subsidence to this property, but there was some racking to the front door frame indicating the distinct possibility that past subsidence has affected
this flat - not just the front wall and bay window areas.
We must conclude that the street trees still pose a moderate risk of subsidence to the non-underpinned parts of this building (i.e. including the top flat), particularly if the local authority were to allow the trees to grow excessively during a hot summer period. If they were to be strictly and regularly controlled at very low canopy area, then the risk might well remain low, but this cannot be guaranteed - budgets get cut and councils cannot sometimes afford to carry out all the maintenance they want to..
The assessment of risk of clay shrinkage subsidence to this property is considered to be
MODERATELY HIGH, based on the above. If an effective root barrier were to be introduced between the trees and the building, severing all the roots and preventing them re-growing.”
Private email between us:
When I asked if he’d recommend this purchase to a family member, he said he would advise against it.
We are FTB and put in an offer on a lovely flat in North West London. It was initially advertised as “in excess of £600k”. We went in at £590, which got accepted.
We then found out through the sellers’ form and our solicitor that it had been underpinned due to historic subsidence. There were no documents, just a certificate proving it was done 20 yrs ago. No movement since and an engineer said there’s no major risk of subsidence happening again soon.
Do we have grounds to revise our offer slightly? We don’t want to take advantage of the fact that we are far down the line with this and due to complete. The sellers seem like decent people and they accepted a lower offer in the first place, but everywhere online says underpinning reduces value of properties. We are worried about resale risk, not structural risk.
If we do revise, do we let the estate agent or solicitor know? We prefer the solicitor as we have more trust that he will relay our message verbatim.
Thanks so much.