u/georgejk7

Hello.

I'm in the process of buying a second hand shared ownership property and one of the last enquiries before exchange is that we require a confirmation that the seller has followed the legal requirements in the lease and offered the property back to the shared owner before putting it on the open market.

The seller claims they did but I assume my solicitors needs evidence/confirmation from the housing association/shared ownership. Not directly from the seller. Right ?

I don't really know .

But we've been waiting a while for this confirmation now.

Is it the seller or the housing association/shared owners that needs to hurry up?

And what happens if they say the house was not offered back to them according to the lease agreement?

Sale fall through? Fees to pay? Who pays?

This sale is a no chain FTB shared ownership resale.

The offer was accepted at the end of April and we still haven't exchanged.

EDIT!!

I managed to find the contact details of the director of the housing association and emailed them about the enquiries (Sunday). The director replied Monday morning saying he's answered the enquiries in an email to my solicitor that morning.

I will phone my solicitor tomorrow to see what progress they have made.

Looking for a good LMS for my workplace.

A platform that can log competency, show training content, allow users to take tests to validate competency, something interactive and data driven.

Something by workplace can use to identify risks within teams, departments, processes. To support in driving down the cost of poor quality.

Also can you suggest me some ideas of "what success looks like"

When it comes to implementing a new LMS. Or other training platform.

Something measurable.

It's difficult to justify the business case without hard numbers.

But our current LMS is crap.

Feeling extremely proud. Took a solid 20 mins or so but got there in the end.

Was going to take it to the garage but ended up needing to go out when it was dark so thought it was best to get a new one in there just in case. Had a spare bulb in the boot.

Hyundai i10 2014. Struggled at first, and even some posh guy says to me "I had this happen to me the other day"

Thought the fella was going to help...

He continues:"the trick is to take it to Halfords, only cost a tenner".

FFS Thanks pal

Anyway, was struggling so i watched a YouTube video and the guy mentioned the trick was to pull the headlight to loosen it (when naturally you want to push it/lift it).

Worked finally.

Changed the bulb.

Was a bastard to reinstall.

Got there in the end.

Buzzing. Felt like a king.

Thanks for listening.

Rear brake lights are a lot easier on this car, which I tend to have to do often but this one was slightly more advanced.

Hi all,

About 2 years ago I bought brand new custom made TT paddle and used it for about a month.

Then I got a new job and didn't use it.

Recently some colleagues started playing and it got me back into it a little bit.

Any way to relife my TT paddle without having to buy a new one?

It's just not as sticky as it first was. There must be a way?

Thank you .

Hello all

First time buyer here, buying a shared ownership house from a reseller.

Offer accepted in May. I got a RICS survey carried out on the property, instructed my solicitors and got myself a DIP.

I'm ready.

The sale hit a hurdle when the sellers solicitors were drafting the contract pack - they spotted that the title deed had not been transferred to the seller when they bought the property 5 years ago. (Something along those lines anyway).

They put a request to have this amendment with land registry (expedite). 4 - 5 or so weeks ago.

Still no update.

I asked the estate agent what's going on and they said it's slowly progressing but it's still an admin issue with the land registry.

No update.

No idea what's going on.

The seller is desperate to sell (I've spoken to them) and they were afraid I was going to pull out.

I really like the place and want the property.

What can I do ?

My peers are telling me to put pressure on my solicitors and the estate agent. But in my opinion, it will happen when it happens, these parties can't speed up the sellers solicitors/ land registry. Especially if all parties have done their bit.(E. G. Just waiting for land registry).

Any advice or suggestions welcome.

I did email my solicitor this evening and ask for an update.

Hi everyone,

My house purchase has come to a standstill due to issues with sellers land reg. docs.

We have not even received memorandum of sale.

(The seller was only made aware of these issues once they accepted our offer and began legal proceedings).

I noticed my seller was selling their items privately on marketplace.

I was a bit annoyed as I told the EA that I was interested in some of the sellers items.

Anyway. I contacted the seller to buy the items in question and we have agreed to meet at the house tomorrow.

Any tips or advice very much welcome.

We know what we might want and what we might not want.

I want to try to get things like the blinds included in the sale price as I paid good price for the property.

I am a bit uneasy about buying items too early in the process and think I would rather do it via solicitors. Really I want the seller to hold fire on selling the items I actually want.

They can sell the items we do not want.

FTB, not too sure what the best course of action would /should be.

Also my mortgage offer being accepted depends on the land registry docs.

Is it too early to buy these items incase sale falls through?

Thank you. (ENGLAND)

Hi all,

I recently started my role in an office setting.

We are a specialized engineering team for a specific process in a manufacturing environment.

There is no dress code really, people wear all sorts.

Its supposed to be semi-smart casual as its a professional position but since its not customer facing its not really strict.

My manager wears a smart shirt and jeans, with sketchers.

The rest of my team wear mixed outfits.

(T-Shirts, polo shirts, trainers, smart shoes, crocs) depends how they feel 😂

Maybe i'm over thinking it, but I want to look professional, not sloppy.

I need to overhaul my wardrobe because I've worked in manufacturing for the last 10 years, work uniform provided so I haven't even had to think about it!

I've got branded polo t shirts from work (solid black), but I need to come up with the rest of the outfit (trousers + shoes).

I currently wear (black or denim) jeans and trainers (black mostly) . I have purchased some navy and black chinos but trainers don't really go with them (unless i'm over thinking it) - to me it looks like they clash.

I think i need some shoes to go with my chinos.

Any tips or advice?

I dont think loafers are right, no one else wears that. but idk. I've ALWAYS been bad with fashion.

I tend to prioritise practicality and comfort over style which I need to get out of the habit of doing.

From estate agent when I asked what's the latest:

As discussed, the current delay is due to the fact the solicitors who acted for Miss G. when she purchased the property, are yet to complete the registration.

Miss G. was only made aware of this when we queried why the Official Copies of the Register were not in her name when preparing the Draft Contract pack.

Please see below the email received from her solicitors when we queried the reason for the registration not being complete, received on 28th May:-

"I have looked into this matter and I can see that our initial application was rejected but was subsequently re-submitted shortly thereafter. We finally had a requisition 2 ½ years later and we have been chasing the developer since then.

We received a reply this morning which has now been sent to the Land Registry so we would expect them to complete the registration shortly."

Myself and my colleague, have since chased the solicitors asking for updates and for the registration to be expedited and await hearing.

An approved expedite request is usually responded to within 10 working days, but depending on the complexity of the application, depends on how long it will take for registration to complete.

We will continue to chase, as I imagine the seller will also.

Thanks for reading. What is best for me to do? I really like the place and I'm not rushing.

Thanks.

I have a challenge but I do not know what counts as a Fragment Clash Match

Thnks.

Hello, first time buyer here. England.

Found a property that we liked and jumped on it straight away, put an offer on and it was accepted, mortgage application started/being progressed, solicitors instructed on my end .

House is sold subject to conditions. RICS lvl 2 Survey completed.

A couple weeks have gone by and nothings happening.

Lender has now said they need more information about the leasehold before they can make a decision to lend.

I've already chased this up previously with no success, this time I chase it up again and included my mortgage brokers email about the lender needing this extra information otherwise they won't lend.

Also phoned the estate agent and they said they would get on it right away.

I also spoke to my solicitors and mentioned what was happening and they said they have not heard back from the sellers solicitors.

My solicitors are waiting for a "draft contract pack".

Normal or ?

The seller has had the house on the market for a couple of months so I would have thought they were ready to sell.

Hey, on the back of the post titled "To The Braindead ML Users:", what is the correct link to use to donate to Metrolist?

Is it best to sponsor the owners on GitHub? buy them a coffee link? patreon? (What is most cost effective for them?)

Hi all,

I am in the process of buying my first house and it has been suggested to look into Critical Illness, Life Insurance and Income Protection.

I will be living with my partner (not married) and I want her to benefit from the insurance if I die.

My work pays 4x salary death in service (That is £172k for me).

The mortgage (money we owe) is currently approx. £200k

No other debt currently.

My partner is disabled and has low income (just state benefits (PIP/ESA) which works out about £900/month). My take home is around £2,200/month.

Mortgage payment will be around £900/month. (plus other various bills).

I do not know what to do. I have never even considered these things but I guess now it will be different if we are buying a property.

Here is a quote I got from moneysupermarket/LifeSearch

• Life Cover – Pays a tax-free lump sum to YOUR FAMILY upon your death or terminal illness
• Insurer: Royal London
• Cover Type: Level Term
• Amount: £250,000
• Term: 25 Years
• Premium: £7.83 per month
• Critical Illness (or Life) – Pays a tax-free lump sum to YOU upon diagnosis of a serious illness, (or death)
• Insurer: Royal London
• Cover Type: Increasing
• Amount: £50,000
• Term: 25 Years
• Conditions Covered: 78 illnesses - attached
• Childrens Cover: Yes – included as standard
• Premium: £14.32 per month
• Income Protection – Pays YOU a tax-free income if you are signed off work due to health reasons
• Insurer: Royal London
• Cover Type: Level Term (can be changed to increasing)
• Amount: £1,300 per month
• Term: Until age 65
• Deferred Period: 13 weeks (initial waiting period)
• Claim Period: Unlimited
• Premium: £12.77 per month

 

Total Premium: £34.92 per month

Is this any good?

Do I increase the income protection £ to be closer to my take home ?

I am really confused.

My work pays 21 days full sick pay / 21 days half sick pay (if I recall correctly).

My savings after buying this house will be depleted (maybe around £5k), so I will need to ramp that back up again ASAP.

Any other information I should mention ?

Thank you for your help.

I am in England.

I've asked this in FirstTimeBuyerUK sub but I want to get more information from a wider group of people.

To add:

I'm 28 and I work in manufacturing environment but I am white collar.

I sit at a desk 50% and 50% on the shop floor.

Hey everyone, since looking into buying a property (offer accepted) and going through the hurdles, talking to all these people/businesses (solicitor, mortgage advisor, surveyors, Estate Agents) they are always trying to sell you something or connecting you to their partner for the next step in home buying.

Its crazy.

Now I've been pointed towards Income Protection/Life Insurance/Critical Illness cover and to be fair, its probably a good idea. Especially as a solo buyer - very much reliant on my salary.

If I was to become seriously injured or unwell / unable to work, how are the bills to be paid!!

My work does death in service payout 4x Salary = £172,000 which would cover the majority of the mortgage. Leaving around £70k remaining.

What do I do? Where do I start?

I used money supermarket to compare quotes but Idk what to go for (if any). And now I've got lifesearch hounding me to get me to sign up with their recommendation.

• ^(Life Cover –) ^(Pays a tax-free lump sum to YOUR FAMILY upon your death or terminal illness)
• ^(Insurer:) ^(Royal London)
• ^(Cover Type:) ^(Level Term)
• ^(Amount:) ^(£250,000)
• ^(Term:) ^(25 Years)
• ^(Premium: £7.83 per month)
• ^(Critical Illness) ^((or Life)) ^(–) ^(Pays a tax-free lump sum to YOU upon diagnosis of a serious illness, (or death))
• ^(Insurer:) ^(Royal London)
• ^(Cover Type:) ^(Increasing)
• ^(Amount:) ^(£50,000)
• ^(Term:) ^(25 Years)
• ^(Conditions Covered:) ^(78 illnesses - attached)
• ^(Childrens Cover:) ^(Yes – included as standard)
• ^(Premium: £14.32 per month)
• ^(Income Protection) ^(–) ^(Pays YOU a tax-free income if you are signed off work due to health reasons)
• ^(Insurer:) ^(Royal London)
• ^(Cover Type:) ^(Level Term)
• ^(Amount:) ^(£1,300 per month)
• ^(Term:) ^(Until age 65)
• ^(Deferred Period:) ^(13 weeks (initial waiting period))
• ^(Claim Period:) ^(Unlimited)
• ^(Premium: £12.77 per month)
• ^(Total Premium: £34.92 per month)

^(OR I do it all separately! E.g. in this quote, income protection doesn't protect against redundancy!!)

Hi all,

Just doing my mortgage application and the broker mentioned Mortgage Protection Insurance.

Wondering if you guys have this, what do you think of it.

My job pays death in service 4x my salary - which would cover my mortgage.

But I did not consider if I became injured / unwell that I had to leave my job or was made redundant.

Just gathering some second opinions.

Thanks.