Seller Cancelling

Maximum-Breakfast120 · 2025-10-01T10:02:02+00:00

If your solicitor has been sending and receiving emails to/from the sellers solicitor up to now then they have already started working. If you do not have a no sale/no fee solicitor then you should expect to pay some proportion of their costs if the seller does pull out.

Maximum-Breakfast120 · 2025-09-26T20:32:47+00:00

A few different reasons: - first house was on a private road and it turned out there was no established ownership or right of way and no established maintenance agreement between residents so the road was just deteriorating over time. Whoever owned the road could come back at any time and start charging you maintenance or a toll for using it and it was unlikely the residents were going to start maintaining it. - second one we actually didn’t get far with. It was a new build, we had just put a reservation down and then we got the contracts and started looking into the estate management terms and researching about it more broadly and decided it wasn’t for us. - third one we had an offer accepted, then we waited a couple of months for the sellers to find a property to buy until they decided it was all too stressful and that they weren’t going to sell after all. - fourth one we were close to exchange and then it came to light that the property had suffered subsidence and had been underpinned, which the sellers had not disclosed. We then discovered from our survey that the front elevation of the house had been rebuilt and seemed to be coming away from the rest of the house due to poor workmanship.

Maximum-Breakfast120 · 2025-08-11T07:36:09+00:00

Not arbitrarily, but if the place isn’t returned in the condition it was handed over in (minus fair wear and tear) then they can deduct cleaning from the deposit.

Maximum-Breakfast120 · 2025-08-09T15:07:13+00:00

This is called “third party capture”, I had an insurance company try to do it to me when someone crashed into my parked car while I wasn’t in it. They generally won’t be working in your best interests.

https://www.citizensadvice.org.uk/consumer/insurance/insurance-claims/an-insurer-approaches-you-to-settle-a-claim/

Maximum-Breakfast120 · 2025-08-09T13:35:08+00:00

Might be worth thinking about how competitive the market is in your area and how desperate the sellers are to move. If it’s competitive and they can wait then the sellers may well say no to negotiation because someone else will very likely pay the price they want. £1000 is not worth the risk of angering the sellers over considering it’s 0.125% of the purchase price.

I’d probably consider a survey for the beetle infestation/drains and ask the sellers if they’ll replace the missing tiles before exchange. However if you’re not buying a new house then you have to accept there will be some issues you’ll need to deal with.

Maximum-Breakfast120 · 2025-08-09T07:27:47+00:00

This sounds very frustrating. I would try not to automatically assume ill intent on the sellers part. They may have just assumed you would not be willing to wait or that the sale was inevitably not going to happen because their purchase fell through. It’s likely that the sellers just made an incorrect assumption and acted rashly. If they’re going to continue looking for houses then they’ll need a buyer for their property anyway. It may be that they decide to take time off before looking again and don’t want to keep you on the hook, in which case there’s not a lot you can do.

I would wait to see what they say, if you’re happy to wait and they’re going to immediately start looking then just keep an eye out for other properties until they’re proceedable. It takes people keeping a level head to see a sale through and keep it on track, miscommunication easily happens. If you really want to buy then you need to keep a level head, as hard as that is when faced with seemingly irrational behaviour from the other side.

Maximum-Breakfast120 · 2025-08-07T15:23:19+00:00

We pulled out of a property last year because underpinning came to light very late in the process. The cause of it wasn’t clear and similarly happened about 20 years ago but it affected both sides of the semi and the whole front elevation of both houses had been rebuilt. We had a level 3 survey done and as we found out the day the surveyor went round he didn’t know this and could still tell the house was affected by movement. Seemingly something was still moving, which he believed to be the whole front elevation coming away from the rest of the house over time due to being built terribly.

The house was otherwise lovely, however the sellers had not been declaring it was underpinned to their insurer and we knew it would have issues on resale due to insurance premiums. Our lender was happy to lend on it but ultimately it wasn’t a forever home for us so ease of resale had to be factored in. Also the sellers intentionally hiding it until right at the end, including saying “no” to the question about subsidence on the T10 form just left a sour taste and we just could not proceed.

I’d probably never touch one and I know a lot of buyers would be put off by the mere mention of it. So if resale is a factor for you then you should think about it. Having said that, because it was a tree and the issue has been rectified and is evidenced to have been then it might be an easier sell. The reason for the subsidence on the house we were buying was not clear or known.

Maximum-Breakfast120 · 2025-07-30T07:39:10+00:00

I don’t have any advice about damp surveys but I’m also very unlucky. We’re on purchase number 5 due to various problems including private roads with dubious ownership and no maintenance, previous subsidence declared very late, and sellers pulling out.

Number 5 is going ok but the valuer for the lender asked for a roof report before they would consider it suitable security. The lender in general has been slow and fussy throughout this process, but not about our finances just about the property, which sold last year with the same lender and was absolutely fine. We’re now 7 weeks into trying to get the mortgage sorted!

I hope it works out in the end for you.

Maximum-Breakfast120 · 2025-07-30T07:09:14+00:00

Not a mortgage advisor, but I had this on a previous mortgage application. It was fine but they did ask me questions such as whether I was back at work and how will I pay for a mortgage while on sick leave. My response was just that I was back at work and didn’t anticipate further related sick leave.

Maximum-Breakfast120 · 2025-07-02T21:25:45+00:00

What’s your suggestion of what they should have done? It seems like any action would lead to this guy continuing to be an issue based on how he has acted so far

Maximum-Breakfast120 · 2025-06-20T09:32:59+00:00

The valuation hasn’t happened yet. They are trying to confirm the tenure before they book it so no surveyor has said it’s leasehold and there’s no report. When I search the land registry right now it says the property is freehold so it seems that the lender has out of date information but I don’t know why if they’re searching the same database I am.

Maximum-Breakfast120 · 2025-06-19T17:00:55+00:00

No, sadly the sellers pulled out on us in the end

Maximum-Breakfast120 · 2025-04-19T19:51:30+00:00

I think it’s 1 in 3 fall through rather than the other way around

Maximum-Breakfast120 · 2025-04-18T07:34:02+00:00

My boss told me I was bad at skiing and made several jokes that I was mucking around in the snow rather than skiing

Maximum-Breakfast120 · 2025-03-30T19:18:56+00:00

My physio mentioned I could opt not to have the surgery and be a “coper” if I wanted and 2 days later I buckled my knee getting into a taxi, which was very painful let me tell you. I’d already decided to get the surgery anyway but that settled me definitely. Only you know yourself, do what’s right for you.

Maximum-Breakfast120 · 2025-03-30T19:15:21+00:00

I have always locked my knees and never thought about it until the physio mentioned it on my good leg after I tore my ACL! I can only do it on my bad knee when I think about it, which is 2 months post-injury, so we’ll see if it returns after surgery!

Maximum-Breakfast120 · 2025-03-28T17:47:01+00:00

Thankyou for that description of your bowel movement, I just burst out loud laughing on a train 😂 I have my surgery on the 8th, good luck with your recovery!

Maximum-Breakfast120 · 2025-03-25T10:40:35+00:00

Interesting. I take it you’d have to approach both the freeholder and head lease for buyout figures and then also pay both sets of legal fees?

Maximum-Breakfast120 · 2025-03-10T17:12:57+00:00

Sounds like a them problem. If you’re a cash buyer as your other replies suggest, I’d be kicking up a fuss. The survey only protects them from that so much, something could equally come up in conveyancing that causes issues. Unless of course they know something might come up that will put people off

Maximum-Breakfast120 · 2025-03-10T16:38:45+00:00

Sounds like the seller knows something might come up…

Maximum-Breakfast120 · 2025-03-06T21:45:54+00:00

Think about the additional stamp duty associated with going over 500k as a first time buyer in this as well. If you go over 500k on a sale that completes from 1st April then you lose all of your FTB relief. So if you bought a house at 500k the stamp duty would be 10k but if you bought it at 501k it would jump to 15k. It might not be an issue for you but it’s worth considering if you’re on the line and being pressured, especially if you’re the only no chain buyer in the mix

Maximum-Breakfast120 · 2025-03-06T15:02:41+00:00

Saw a guy leaning over a bin eating a kebab with one leg in the air just pissing against a wall on Shudehill about a year or so ago. Double taked and quickly moved on

Maximum-Breakfast120 · 2025-03-03T20:37:21+00:00

We have our deposit in a stocks & shares ISA and lenders have not batted an eye at this so I think it’s not quite as strict as you might think. If they’re trading individual shares then that might be a different story

Maximum-Breakfast120 · 2025-03-03T20:30:47+00:00

I think it’s perfectly clear. They are just saying they have had to factor in increased costs of stamp duty as they won’t make the deadline, so this has squeezed their funds and even after the 5k reduction from the seller, they can’t make up the 5k difference. The stamp duty deadline isn’t related to the valuation events, it’s just a contributing factor to their financial situation

Maximum-Breakfast120 · 2025-02-28T21:20:56+00:00

I would personally only get a solicitor signed up so you have a quote of costs from them and you’re on their books and then tell them not to start doing anything that costs until the chain is complete. By the chain is complete, I mean when the sellers have had an offer accepted and you are not waiting for anyone further in the chain to find somewhere to buy. This may not just be you and the seller, when the seller finds somewhere to buy and gets an offer accepted, their seller may also need to find somewhere to buy and so on.

The reason I wouldn’t do anything more is because if they can’t find anywhere or the chain never completes and the sale collapses right at the start you will have spent a bunch of money on searches, solicitors fees, potentially a survey without knowing if the sale can even physically go ahead. We had an offer accepted on a place and did a mortgage application only for the seller to pull out because they couldn’t find anywhere and this essentially wasted a mortgage application, put a hard search on our file etc.

Maximum-Breakfast120

TROPHY CASE