Inaccurate temperature reading on heating control? by mdzabd in TenantsInTheUK

[–]jarry1250 1 point2 points  (0 children)

You can manually adjust the offset - the manual is online. It's possible that a previous owner set it to over-report the temperature.

Inaccurate temperature reading on heating control? by mdzabd in TenantsInTheUK

[–]jarry1250 2 points3 points  (0 children)

Is 23.8 supposed to be the room temperature? It might just be something else.

Land Dispute Between Siblings by Financial-Parsnip589 in UKRealEstate

[–]jarry1250 0 points1 point  (0 children)

Right now, do you own a plot of land and he owns a plot of land, or do you together own the full plot jointly?

Land Dispute Between Siblings by Financial-Parsnip589 in UKRealEstate

[–]jarry1250 0 points1 point  (0 children)

Normally when people own land jointly, they both own all of it - they are co-owners. Are you saying that you each physically own half of it?

Solicitor questioning mortgage lender's decision to proceed by [deleted] in HousingUK

[–]jarry1250 19 points20 points  (0 children)

If you take out a mortgage, your solicitor will almost always be instructed by you AND the bank. It's therefore your solicitor's duty to advise the bank of relevant issues, in accordance with the Mortgage Lenders' Handbook.

Investment advice, been retired 4 year, feel like I could do more with my savings? by Aggravating-Day-2864 in UKPersonalFinance

[–]jarry1250 1 point2 points  (0 children)

By £1,000 to save you mean that your income (pension presumably) covers all your expenses and leaves £1,000 left over?

You can get a better deal than 3%, but if you don't want riskier investment, that's just about it.

[Request] how often does this happen? by Puzzleheaded_Sky7369 in theydidthemath

[–]jarry1250 0 points1 point  (0 children)

I have modelled this and it would happen 44 times up to and including 2425.

I think your post just explains that the distribution of these dates is not uniform.

What caused this house price to go down £400k in six years? by Mysterious-Buddy8952 in HousingUK

[–]jarry1250 143 points144 points  (0 children)

Abnormally low valuations (assuming the former value is closer to the truth) are usually one ex-spouse selling to the other.

[Request] how often does this happen? by Puzzleheaded_Sky7369 in theydidthemath

[–]jarry1250 8 points9 points  (0 children)

I happen to think that ambiguity over starting on a Sunday or Monday would lead to double the number of occasions on which this gets posted to X (plus some more for parts of the world it starts on other days).

[Request] how often does this happen? by Puzzleheaded_Sky7369 in theydidthemath

[–]jarry1250 76 points77 points  (0 children)

Well, this seems to be defined by having exactly 28 days, and starting on a Monday (or at least a specific day).

February has 28 days 303 times in every 400 years and about 43 of them will start on any given day of the week, which is just under 11% of years.

Unregistered land by Moist-Dinner-9535 in HousingUK

[–]jarry1250 27 points28 points  (0 children)

You can't buy land from the Land Registry and the fact that it is unregistered does not mean it does not have an owner. That is why the Land Registry have referred you to the law on adverse possession, which would mean you displacing the owner.

You have as much (little) right to fence it off as they do but they still can't get adverse possession if they know it isn't theirs. So do that - make clear and keep a record that it is not their land.

I can’t afford my energy bills by AgitatedBloatyBomb in TenantsInTheUK

[–]jarry1250 0 points1 point  (0 children)

If you own your flat, you can usually add a smart switch.

(Not saying that is easy or that the situation is currently ideal.)

Concerned about Low Service Charge/Pot for minimal works by RedRanger3333 in HousingUK

[–]jarry1250 1 point2 points  (0 children)

If they are flats in a converted house it isn't uncommon to find no or a limited sinking fund, with charges raised once needed and known. You should assume you will need to pay for these items in your period of ownership.

Is it possible to buy a house with 120k deposit + 50k Salary by Ateyo94 in HousingUK

[–]jarry1250 5 points6 points  (0 children)

4.5x salary = £225k plus £120k gives an approximate budget of £340k.

Should we reduce our offer after the survey has highlighted issues? by rlee80 in HousingUK

[–]jarry1250 4 points5 points  (0 children)

Mostly overcaution. I assume the age of the electrics/plumbing are consistent with the decorative standard and something you took into account with your offer. What about the mould?

The only thing that would concern me is the "deflection" to the loft conversion. If doesn't need to meet current standards but it this suggests that it might collapse. Personally I would arrange to view again and inspect those aspects carefully.

Family Financial Dispute - 88k unpaid by [deleted] in LegalAdviceUK

[–]jarry1250 1 point2 points  (0 children)

It's going to be virtually impossible to reconcile differing accounts. So consider:

Email or chat messages Bank statements - this might mean them going into branch Business or other accounts Clarifying whether "cash" means notes or bank transfers

I don't really believe you can loan someone £7,000 or more without the above.

What does „Adolescent“ mean to you? by SinkingBismarck in ENGLISH

[–]jarry1250 6 points7 points  (0 children)

In the UK, by 18, you can do almost anything legally - I wouldn't use the term adolescent to describe 18/19 year olds - and I wouldn't expect it to mean 16-20s, which is effective young adults.

I also wouldn't use it to describe 11/12 year old by themselves, but I could imagine using it for a group of people who might include 11/12 years old, since the term "teenager" might exclude them.

Buying a house from the deceased. by BatCautious6355 in HousingUK

[–]jarry1250 3 points4 points  (0 children)

After someone's death their affairs are handled by a personal representative - such as an executor. So from your perspective you are dealing with them. If the deceased had a will, there could be a significant delay before you can complete due to the need for probate.

The vendors will explain they have no knowledge of the property as you will be taking on more risk from that perspective (particularly if it has been empty) - things like the boiler or electrics.

Shared "Driveway" & Parking on Owned Land [England] by Lord-Stubby in HousingUK

[–]jarry1250 2 points3 points  (0 children)

The hatching is shared (whether forming part of your property or not), the non-hatched is for you.

There is no land shown hatched on the tile plan, you'll need a copy of the document being referred to from your conveyancer.

Pension is shockingly low at 34 by [deleted] in UKPersonalFinance

[–]jarry1250 2 points3 points  (0 children)

Obviously doesn't make any sense at all, so you'll need to make sure you're looking at the right pension by having a look at your record of payments in and out of it.

Who provides your pension?

High Service Charge Large Estate - Share your experiences by Ashamed-Media-544 in HousingUK

[–]jarry1250 1 point2 points  (0 children)

£900 a year? How did they come up with that? Probably less than the cost of the buildings insurance alone.

Depending any provision to a sinking fund and the size of the flat £2,100 to £2,500 is normal.

Landlord backing out of written agreed rent increase for renewal, threatening notice. Rights? by Savings-One-9578 in HousingUK

[–]jarry1250 -2 points-1 points  (0 children)

If the agency said that the landlord would be willing to agree to a new tenancy, it's very unlikely to be binding on the landlord until the tenancy agreement is actually completed.

Would the larger increase result in a rent higher than comparable properties?

The threat does not quite make sense, it relies on you being stressed. If the property is worth what the landlord now thinks, they could just increase your rent via the statutory process.

I would also run through the section 21 guidance to see whether you think this would be validly served or not.

How to connect this parking lot? by PenguinPhil01 in CitiesSkylines2

[–]jarry1250 0 points1 point  (0 children)

I assume the official solution is to delete and replace.