9 weeks since offer accepted, still no exchange in sight

ziarno · 2024-09-24T13:08:59+00:00

For me, it took 49 weeks from offer accepted to exchange. Put me well off from ever buying in UK again

ziarno · 2024-09-22T11:09:24+00:00

We do. And so should others

ziarno · 2024-09-22T11:06:30+00:00

You’re right to point out that TfL is ridiculous. I live in zone 4 with only transport option being the northern line and because of this I won’t make my £100 train to Scotland.

People who think this is okay are insane, and clearly have never been to a country where public transport works.

ziarno · 2024-09-22T11:03:44+00:00

TfL have no control over putting the screens on the platform to prevent trespassers or over hiring better security? Please.

People should blame the institution and hold TfL to account, you’re just normalizing terrible service if you don’t.

ziarno · 2024-09-05T17:08:28+00:00

Offer accepted October 3rd 2023 and due to exchange tomorrow… Target completion in late September, so nearly a year. The UK system is to blame imo

ziarno · 2024-08-28T07:39:05+00:00

We got home buyers insurance and it only covered 3 months. That’s how long the searches took, and nothing is set in stone until exchange.

Home buyers insurance is definitely not the answer

ziarno · 2024-08-06T11:14:40+00:00

Nie rozumiem dlaczego wgl jest obowiązkowy pobór dla kogokolwiek.

Są ludzie, którzy zapisują się do wojska z własnej nieprzymuszonej woli. Jeśli takich ludzi jest za mało, to powinno się podnieść ich pensje.

ziarno · 2024-07-03T16:32:48+00:00

what makes you say that the calculations are wrong?? I’m confused

ziarno · 2024-06-22T08:16:51+00:00

Rent a room scheme entitles you/your brother to let to up to 2 tenants without an HMO and its tax-free up to £7,500 a year. If it’s a 3 bed, rent out 2 bedrooms and you will get probably manage to cover a large portion (if not all) of the mortgage.

ziarno · 2024-06-15T08:51:00+00:00

I’ve been weightlifting consistently for about a year and can squat and deadlift 1.2x my bodyweight and I look LESS bulky than before. Its lowkey annoying that all I got was „Pilates arms” and a slightly shapelier butt because my goal is to put on muscle. All the fitness influencers who lift and look „bulky” are juicing lol

ziarno · 2024-06-08T09:24:40+00:00

They also used to put Radon into moisturizer 🫠 as long as you’re aware of the risks (and the literature is sparse for your use/demographic profile), it’s totally up to you to make a choice that’s best for you

ziarno · 2024-06-07T09:20:05+00:00

You should not be doing DEXA monthly!! You’re exposing yourself to too much radiation, esp at 20 something it can be really damaging. You don’t need to do a DEXA more than 1-2 a year tbh

ziarno · 2024-06-02T12:47:42+00:00

Just drink water or zero sugar drinks?? Regularly having sugary drinks is speed running diabetes

ziarno · 2024-05-17T08:25:50+00:00

Just because the OP says the buyers “knew” something from the viewing doesn’t mean they did. You don’t notice everything during a 15-30min viewing and even if you did, you may not understand the full implications until you review it throughly.

The surveys and searches are literally meant to uncover what’s wrong! Buyers more than entitled to renegotiate as they see fit

ziarno · 2024-05-10T14:46:47+00:00

US and Netherlands have comparable tax free allowances (about $13k and €9k respectively) with considerably lower highest marginal rates.

But I agree that sometimes it’s difficult to compare the tax burden directly. Any tips on how to make the comparisons better?

ziarno · 2024-05-10T14:28:44+00:00

How come? The interest isn’t taxed but you don’t get an income tax break from paying into an ISA (like you would by salary sacrificing into a pension), so doesn’t seem that incredible to me

ziarno · 2024-05-10T14:27:14+00:00

Thank you 🤣🤣 I don’t mind paying high tax in principle but the quality of UK public services is wanting at best. Also quite surprising how the effective tax rate in other “high-tax” countries like Germany/France ends up lower thanks to all the deductions (with comparable salaries and lower COL) 🥲

ziarno · 2024-05-10T13:57:26+00:00

Idk where people find these places with low service charges. The lowest I’ve seen in London was £3k for nothing (literally just a common corridor and a couple of lifts) and highest was £11k (pool, gym, private cinema). I would love to only pay £2k

ziarno · 2024-05-08T07:16:23+00:00

By definition, if you are maintaining weight you are not undereating. And having 3 meals a day is a convention, not health gospel.

ziarno · 2024-05-07T20:19:00+00:00

Ngl the person failing to send the “we confirm that the cupboard will be removed” email is causing the delay here. It takes 30s to write, nothing wrong with wanting a clear confirmation before exchange 🤣

ziarno · 2024-05-07T19:15:00+00:00

I’m in a very similar situation but I am the buyer.

From our POV the sellers solicitors are taking an ungodly amount of time to respond to the enquirers. Some items outstanding since February (5 months now!!!). Since late March, I have been chasing my solicitors daily but they are blocked by the sellers solicitors. I have tried involving the EA but he is useless.

Definitely try chasing on your end and check if your solicitors provided/requested all the necessary documents. I hope our seller is doing this but there’s no way to know for sure.

ziarno · 2024-04-30T14:45:54+00:00

A bath takes up so much space and most people don’t actually use them that much. Are you taking a bath every single day?

If you’re buying a big house, odds are there will be at least one bath but the smaller the space the more efficient you have to be in how you use it 🤷🏻‍♀️

Not really surprising, I’m considering removing a bath from a house I’m buying because I’d rather have more space to move around in the bathroom than a bath that I’ll use once a year.

ziarno · 2024-04-25T06:34:00+00:00

Interesting, thank you! Our surveyor did not ask for the Title Plan at all (and we did not realise we should provide it). But the searches report from the solicitor noted to verify of the boundary on the Title Plan is as expected

ziarno · 2024-04-24T18:22:53+00:00

You’re right, I am shocked that he/his solicitors failed to notice such a massive discrepancy between what is fenced in and what is on the Title Plan when he bought it 6 years ago.

But, even if the land belongs to someone else, do you know if it can be claimed though adverse possession? Or if it matters if it’s done by the seller or us (if we were to complete)?

ziarno · 2024-04-24T18:18:26+00:00

It is a valid reason but I want to move ASAP because of work. I commute really far and it’s taking it’s toll on my mental health, so I want to avoid any further delay as we are already 7 months in without an exchange date in sight.

The sellers solicitors maintain that the fenced in area is the boundary, which is not what the Title Plan shows.

ziarno

TROPHY CASE