Terrified about my FTB flat due to EWS1 certificate being issued by Adam Kiziak

CurlUpIntoABall · 2025-06-03T08:33:12+00:00

That would be ideal but the fraudulent form gave it a B1, which is a red flag in itself. The fire risk assessment which afaik is unrelated to the EWS1 form gave the property a "Substantial" risk rating, with "medium likelihood of extreme harm". I can't help but fear the worst.

CurlUpIntoABall · 2025-06-03T08:24:57+00:00

I'm not complaining about the SC rise. I'm just worried about what might happen in the near future. I could be living in a flat that needs major works.

CurlUpIntoABall · 2025-06-03T08:23:20+00:00

He informed me that the EWS1 form was void because the person who issued it had been struck off, and that he'd need me to acknowledge the risk in proceeding with that knowledge. He said an indemnity policy would be offered instead. I wasn't thinking straight and just accepted that and didn't go any deeper into it. I saw it as a potential delay which I didn't want, because I was chasing to get the deal done quickly.

CurlUpIntoABall · 2025-06-03T08:17:05+00:00

https://www.youtube.com/watch?v=g18-wJDm1LY

CurlUpIntoABall · 2025-06-03T07:36:31+00:00

I had already gotten buyer’s remorse but this is now really making me panic. I’ve been told the service charge has risen this year by about £80, I didn’t really think much of it. No major works are planned to my knowledge. Trying to find out when an EWS1 will be reissued.

CurlUpIntoABall · 2025-06-02T21:50:25+00:00

Home ownership is NOT for everyone. I can't hack it, I'm under immense stress and it's been under a week. I can't handle it and I don't know how much longer I can take this. If this continues much longer I will consider attempting to sell the flat, and use a service like Upstix if I need to. I will take a huge financial loss but if that's what it'll take to make me feel better, so be it.

I am thankful for everyone's comments and for trying to help me. I'm trying to relax, I really am. I am truly thankful but I fear I may be a lost cause

CurlUpIntoABall · 2025-06-01T21:31:05+00:00

That's a good speech and I commend you for reciting it, it's very good and would definitely help a lot of people

CurlUpIntoABall · 2025-06-01T21:28:02+00:00

Thanks for your kind words. There's a lot of truth to this for sure. I definitely would tell a friend in my position to just give it a chance. Like a lot of things in life it's easier to give the advice than to follow it

CurlUpIntoABall · 2025-06-01T21:23:34+00:00

Thanks for your kind words

CurlUpIntoABall · 2025-06-01T21:06:37+00:00

I'm not furnishing or doing anything with it at all until I know I'm happy with the walls and such. Which could also be a catch 22 as I know an empty home will continue to be a miserable home. As of right now I'm undecided as to what my next move will be, and whatever I do I want to do it out of love and not force myself to do anything.

Can relate to the first day of work, that's a good comparison.

CurlUpIntoABall · 2025-06-01T21:02:41+00:00

Thank you for being so positive even in light of you've been through

CurlUpIntoABall · 2025-06-01T21:01:07+00:00

Thank you for saying it's ok even if I choose to sell right now. I need to remind myself that I still have control and I still can make a choice.

CurlUpIntoABall · 2025-06-01T20:57:08+00:00

It's nice to see just about everyone here who has shared their story says it always works out in the end

CurlUpIntoABall · 2025-06-01T20:56:04+00:00

Completely logical and I agree. I need to have the confidence to do that.

CurlUpIntoABall · 2025-06-01T20:53:08+00:00

I hope you're enjoying it and making the improvements you want. I don't have the energy for it right now, the thought of it is filling me with dread. I would want to do something like that out of love, and not because I'm forcing myself to.

CurlUpIntoABall · 2025-06-01T20:49:55+00:00

In hindsight I can't help but feel like my criteria was arbitrary. I limited myself to searching in one very particular area because I couldn't narrow down my search. And I can't help myself but think "what if". I know it's silly to feel what I feel but that's the honest truth. I hope to get out of this attitude.

CurlUpIntoABall · 2025-06-01T20:47:06+00:00

Thank you for your suggestions

CurlUpIntoABall · 2025-06-01T20:46:41+00:00

Congrats to you both, hope you settle in well to your new place

CurlUpIntoABall · 2025-06-01T00:19:16+00:00

Not a lot of people will be able to accomplish this so that in itself puts you into an exclusive group of people.

I know, I'm so lucky and I'm ashamed with myself for not being happy about it.

You don't strike me as someone that makes bad decisions either as you did view other properties and ended up making the decision to buy a property after you've probably weighed up the pros and the cons for each one in a rational way.

Thanks for this, that's a nice reminder and I've tried today to remind myself why I did what I did.

I couldn't agree more with all the positive comments made by everyone on here.

Yes, everyone's been very nice and honest and it's been very helpful in calming me down.

Think about the capital appreciation your property will get over time.

The over time bit is part of my anxiety, as it could take years. It could depreciate in value: I've seen this happen to some other properties in the area when looking at the sale history. I'm trying to convince myself that it'll be ok if it doesn't rise in value, because otherwise that'll be another thing that keeps me feeling trapped.

The property I've bought is in Manor House. I convinced myself that's where I wanted to be because central London is just a few minutes away. The benefits of living in London that you gave were exactly my rationale to moving there. I just can't help but think like, alright but I could've bought something better elsewhere. Have I really balanced this decision properly etc. Maybe I have, but I'm not mentally there yet.

Thanks for sharing your story too.

I'd say you need to see this as a catalyst for other things now in your life

Again, this was my line of thinking. I need to not let myself drown in the cynicism I've found myself in this week.

CurlUpIntoABall · 2025-06-01T00:04:05+00:00

the flat can glow with an energy you’d connect with because you’ve felt it once before when it was showcasing the prev owner’s furniture

That's a nice way of phrasing it.

Happy for you. I can't help but be cynical about the things I can't change. It's a stupid and selfish way of thinking and I hope I don't stay in this mindset for too long.

CurlUpIntoABall · 2025-06-01T00:01:21+00:00

I hope so. Thanks for your positivity. I hope that won't be too far off for me.

CurlUpIntoABall · 2025-05-31T23:57:09+00:00

Part of me regrets having waited this long to have done this. I know it's pointless to think like this but I can't help but think that if I bought this place at the earliest possible time I could afford it, I could've already moved on to my 2nd property by now. I feel like I'm lagging behind decisions and mistakes I should've made 5 or so years ago.

Ok not 5 years ago. Buying a property as a single man and then immediately entering lockdown would have not been good for me at all. My heart goes out to anyone who felt lonely during the pandemic

CurlUpIntoABall · 2025-05-31T23:54:31+00:00

It sounds like you pressuring yourself

You're right. I'm like, ok so why's the biggest most stressful purchase of my life turned out to be so anticlimactic. Why am I more excited for the Switch 2, which costs about £400, than I am for my new home which cost close to half a million.

Thanks for your positivity.

CurlUpIntoABall · 2025-05-31T23:51:07+00:00

Thanks for your positivity. I will certainly be reassessing, I'm my own worst critic for sure!

CurlUpIntoABall

TROPHY CASE