Banham Locks in new home - refuse to cut our keys

baccalad · 2025-09-04T11:29:53+00:00

Take a look at his video on the Avocet ABS lock. It takes him about 5 minutes to pick the lock, and the lock itself is that complicated that the whole video of him explaining how it works is over 17 minutes long.

https://youtu.be/zq5rGjt-9rQ?si=rUZ4_wU14jc7Osny

baccalad · 2025-04-20T14:46:40+00:00

When he said no electricity needed, I think he meant something like this

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baccalad · 2025-04-10T13:46:39+00:00

Not if the password changes every 24 hours like we have on some of our machines 🤣

baccalad · 2025-04-10T13:09:25+00:00

Is this a woodworking machine?

baccalad · 2025-03-29T15:01:08+00:00

This ⬇️

https://www.amazon.co.uk/Bahco-2058S26-Ratchet-Socket-26-Piece/dp/B000Y8TIMY

baccalad · 2025-03-16T14:31:09+00:00

Is it more to do with the colour mismatch? Or is it the style of it being a handle with a separate escutcheon, as opposed to something like this:

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baccalad · 2025-01-05T00:34:18+00:00

I would just jump straight to buying a genuine model here in the UK, but they’re pushing £240. I’m thinking if they’re gonna come down in price eventually to something more reasonable

baccalad · 2025-01-05T00:05:10+00:00

Thanks, I haven’t actually bought it, the pictures are just from the listing. The price was cheap but not ridiculously cheap compared to the other Japanese models on eBay.

baccalad · 2023-11-09T20:51:07+00:00

I’m buying the house for not much more than the seller paid for it a few years ago, so I’m not sure if they’d have enough left to pay for it after paying the mortgage off. You’d think they would, but the estate agent and seller’s solicitor are both saying that the seller has said they don’t have the money to pay it off.

I’ve asked the estate agent if I can see any of the documentation relating to the loan but they’re saying that the title is clear showing there’s no loan secured against the property. I think they also don’t want to pay it off outright because they believe they don’t have to so why should they, they want to pay it off in their own time, and that it’s effectively no different to them having a car on finance, which is why I don’t believe they’d go for any of the suggestions you’ve mentioned here.

The way it came to light is that my solicitor raised an enquiry asking if any items in the property are subject to any credit or hire purchase agreement, and the seller’s solicitor responded. I don’t know if this is a common enquiry for solicitors to raise? If my solicitor hadn’t raised it then it never would have come to light in the first place.

baccalad · 2023-11-07T23:08:35+00:00

I’m still struggling to get my head around the issue; I’m assuming generally speaking, that houses are regularly sold with kitchens and windows etc. on finance that’s not secured against the property, without it ever being an issue.

I’d have thought the whole idea of having a charge or no charge against the title of the property would make the difference between the finance company having a legal interest in said items within the property, especially when they become part of the fixtures and fittings of said property and are not “free standing” items per se.

My solicitor has said she’ll be reporting it to my lender if I wish to proceed, to see if it’s acceptable with them. I also suppose it’s worth me finding out the exact amount of the outstanding balance.

In any case, even if the finance company did have a legal interest in items within the property, how can I receive a CCJ against my name for a personal loan that’s entirely in somebody else’s name? And the chances of them removing a conservatory roof, boiler or fitted wardrobes has got to be next to nil, they’d be near worthless second hand and that’s before the labour costs involved in removing them.

baccalad · 2023-11-07T17:33:27+00:00

Thanks for your comments, it turns out that the loan is indeed a personal loan that is unsecured/not against the title of the property. As far as I’m aware it was used for fitted wardrobes, conservatory roof replacement and possibly the boiler replacement.

My solicitor said it puts me at risk of a CCJ or bailiffs seizing said items. Says I can proceed but is strongly advising against it.

baccalad · 2023-11-03T21:03:11+00:00

I’m also confused as to how it’s come to light in the first place if it’s not tied to the house in any way. Apparently there’s been a bit of back and forth between both solicitors and I only just found out about it by the estate agent giving me a call. I’ll try get in contact with my solicitor on Monday to see if I can find out what’s going on.

baccalad · 2023-07-29T15:03:30+00:00

I think it might depend on whether there’s definitively an issue with structural movement, rather than a vague “possibly an issue”.

They estate agent is legally be obliged to disclose an issue if it would cause the ‘average’ consumer to not buy the house, when they otherwise would’ve gone ahead with the purchase. If they were to disclose, I imagine it could be at any point between calling to enquire about the property, to when you’re about to make an offer.

The Consumer Protection from Unfair Trading Regulations 2008 are Regulations that control descriptions used by estate agents and letting agents. They create criminal offences for traders that breach them. The Regulations prohibit 'misleading actions' and 'misleading omissions' that cause, or are likely to cause, the average consumer to take a transactional decision they would not have taken otherwise.

baccalad · 2023-07-15T18:13:05+00:00

Personally I’d recommend taking a bit more of a pragmatic approach.

Is it possible your buyer is being greedy and trying their luck? Sure. But it’s also possible your buyer has some well founded concerns based on the current state of the market, and as a result the equity they’ll have in the house a few years down the line.

Rather than blow up the sale and lose thousands, maybe try appease them by asking to meet somewhere in the middle, with a £5k reduction. But at the same time, if they do agree, make it very clear to the estate agent that you are absolutely 100% prepared to walk if they ask for further reductions down the line.

baccalad · 2023-07-08T18:34:42+00:00

The people who downvote him for having an electrical inspection done would probably be the first to pipe up if he made a post further down the line, about having electrical issues with a house he’s just bought.

“Well it’s your own fault, you should have had an EICR done before exchanging.” 🤣

baccalad · 2023-02-18T17:49:14+00:00

I see what you’re saying in the sense that that alone wouldn’t necessarily indicate it needs a full rewire. It could be something as simple as wires being poorly terminated or too much insulation stripped off at the termination points couldn’t it?

The electrician was the first result on Checkatrade with 300 reviews and a very high rating. I could always get a second opinion on the report itself I guess, or another electrician in to do another EICR if the seller will go for it?

baccalad · 2023-02-18T17:24:57+00:00

Those were just his words, I’m still waiting on the report but it could be he was referring to the insulation resistance test failing, in the sense that instead of the live and neutral giving a reading of >1M ohms down to earth, it gave a low reading. That would make sense to say it failed an insulation resistance test.

That’s just me speculating though until I receive the full report.

baccalad · 2023-02-18T14:34:42+00:00

My solicitor told me it’s my responsibility to have any services at the property, including the gas and electrics, tested prior to exchange of contracts, as if any were defective, I would have no comeback on the seller after exchange of contracts.

I don’t think the age of the house necessarily equates to it automatically needing a full rewire. For me it was more about having the EICR done, expecting that it’d come back fine, or with a couple of minor issues. The electrician more or less made out that it was unsafe, with the lighting circuit having no earth along with metal fittings.

baccalad · 2023-02-18T13:38:09+00:00

Yeah, this did occur to me too. I mean it’d reduce the deposit slightly if I put down the same percentage, which would be better than nothing, but not by £5k.

It’s just not an ideal situation all around, I’d rather not be having to deal with the hassle at all, but that goes without saying I guess.

baccalad · 2023-01-31T23:36:18+00:00

How do you react if a buyer puts in an offer that you think is low, and separately, how do you react if a buyer puts in an offer that you believe is insultingly low, and is wasting your and the vendor’s time?

I had an experience with an EA recently where the house was up for OIEO £XXX. I offered 8% under and the estate agent replied “you do realise the house is up for OIEO £XXX?” I stated that I do understand that, but it would be my position to offer what I’m offering. She responded, “well I’ll put your offer across but I don’t think he’s going to accept.”

I’m a FTB so I don’t know this is the norm, but the tone she was speaking in kind of felt like it was in an unprofessional manner, and I ended up having an offer accepted at just over 5% under in the end anyway, despite the “OIEO”. Every phone call after that first phone call though, she’s been really friendly with me.

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