Moving house ?

joxby

joxby

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John
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So are we, well, we were ??

Faced with the prospect of spending an 8th night on an air bed in our old house, I write this in a fit of utter frustration.
Date for the move was last Friday but solicitors acting for our lender were unable to process our paperwork, and on the rare occasions we were able to contact them, have been unable to say when they will even consider it, they didn't even tell us it wasn't happening till lunch time the day of the move, so that was removals up the spout.
So we have no bed, no washer, and no couch, everything we own is packed away in 500 boxes, we have no food and even if we did we'd have to trawl through boxes looking for something to cook it in.
All our mail is going to our new address, we've had to swap our insurance back from our new house to our old, I will be cancelling BT's installation day at the new house for the 3rd time and the seller is getting really twitchy.
I don't believe there is anything we can do, our solicitor is paid, stamp duty is paid and a **** load of other expenses, its an absolute nightmare.
Only now am I reading similar problems with this particular lender, the internet is awash with it, I wish I'd known before taking a mortgage with them.

god I'm ****ed off..:(
 
Fingers crossed for you it gets sorted soon. Our house is on the market currently. Care to share which lender so i know to avoid?
 
Oh dear John.....having not actually purchasing a home I cannot begin to understand the frustration like what you are experienceing with you mortgage lender.

Moving home (purchased or rented) is I believe one of the most stressful events one can experience ( I seem to recall it used to be only second to divorce!!)

Unbelievably the systems in place appear to ensure the processes involved in moving remain incredibly difficult.

I sincerely hope that all gets sorted rapidly for you and you all get to enjoy settling int your new home.

The fact that you are ****** off is no surprise and if by "voicing" your distress/anger etc on here helps, then fire away .....we have big ears!!!
 
chin up chicken!

it'll happen... just keep on at your solicitor, and don't take "he'll call you back" for an answer... I've worked at a solicitors, and fridays are always busy and stressful in the conveyancing department and they often react to whoever shouts the loudest... and normally whoever has the balls to arrive on the doorstep! They should be having a constant dialogue with the lenders solicitor and be able to kick them up the ar5s for you.

I really feel for you though... I vowed NEVER to move again after the last time (chain of 9, we were the top, all controlled by the freak at the very bottom and an estate agent who didn't know how to communicate)

Good luck, it WILL happen! :)
x
 
I can only feel your pain mate.

We had our flat on the market since September last year.
After Xmas we dropped 6k off the price which stimulated some interest.

Someone came along at the end of Feb to view, fell in love and made an offer.
Its only taken until Monday just passed for them to conclude missives.
Every time I pressed my solicitors for answers the other side would never get back in touch.

For every day that passed not concluded, the wife and I genuinely believed the buyer would pull out.
Into the bargain we were pending an offer on a new place, so trying to juggle 2 properties and 3 solicitors is not easy.

We got there in the end and I'm sure you will too!
Fingers crossed for you John :thumbs:
 
Moving is incredibly stressful, I did it 18 months ago. My lender made a fuss about some things, or at least their solicitors did, but my solicitor made sure it was all sorted before exchange (she also said the lender's solicitors were extremely pedantic and she had never had so much trouble) and the lender was definitely willing to release the funds by then. My chain was very short, the people buying my house had funds in place and ready as they were keeping their old house, the people I was buying from were moving into a mobile home so had no conveyancing on their purchase, in fact the property was already vacant by exchange. That was enough to deal with without a massive chain.
 
Thanks people...:)

I have to go to the bank tomorrow to cause some trouble.

onomatopoeia said:
Moving is incredibly stressful, I did it 18 months ago. My lender made a fuss about some things, or at least their solicitors did, but my solicitor made sure it was all sorted before exchange (she also said the lender's solicitors were extremely pedantic and she had never had so much trouble) and the lender was definitely willing to release the funds by then.
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I have no complaint with my solicitor, if the banks solicitor won't answer the phone or emails or letters, what can they do, I don't even think the bank can contact them most of the time.
We must be using the same lender, only this lender instructs its own conveyancer to check the work of your solicitor, an act that you have to pay for, yeah....I actually have to pay for this shabby *****.
I never imagined it would be like this, we have no chain at all, we px'd with a major developer, it is the simplest house buy possible apart from a straight cash buy.
My complaint will be not about the quality of the work carried out by their conveyancer but about their inability to actually do it, thus the bank are negligent in not managing their outsourcing thus they are not treating their customers fairly....I dunno how far I'll get with that though.
 
Thanks Gramps, the ombudsman is aware of the situation, I know it will only really count towards bringing about changes for people getting mortgages in future, but it had to be done.

Anyway, I know more stuff now I've lodged an official complaint with the bank, their solicitor requested additional information, information they should have requested 2weeks ago, yesterday.
The consensus is they are trying to body swerve some blame, or at least muddy the waters a bit.
I met my lender this morning and he was not impressed, I stayed with him on purpose while he made calls to their conveyancer and he had the same trouble making any kind of meaningful progress that our solicitor has.
Made a list as long as your arm detailing the **** that's been happening with his blessing, and I fully expect a call on Monday with a complaints ref number.
On a more optimistic note there appears to be a chink of light at the end of the tunnel in that he told me the bank released and sent money to their conveyancer yesterday, that means they requested it, thus they must have acted on the additional information they had requested and received, late yesterday.
So if nothing else cocks up, I may get a call Monday advising for a move Tuesday........but I ain't holding my breath....:|
 
http://www.legalombudsman.org.uk/ Might be worth talking to them about the bank's solicitor.

The conveyancing process is simple. It's usually slowed down by solicitors. It's just moving a few pieces of paper around and checking there is nothing awful on the searches. A monkey could do it.
 
i hate solicitors (no offence any solicitors on here). selling my flat its costing £800 in fees, yet we have to fill out a small rainforest of paperwork which is all info from the deeds. which the solicitors have..

:thinking:
 
joxby said:
We must be using the same lender, only this lender instructs its own conveyancer to check the work of your solicitor, an act that you have to pay for, yeah....I actually have to pay for this shabby *****.
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I think you will find that most or all lenders instruct solicitors to act for them, but normally it can be a different solicitor at the same firm doing your conveyancing and it's covered in the normal conveyancing fees that you pay to your solicitor. My lender (Hinkley & Rugby Building Society) decided that the firm I was using was too small so either they instructed their own and I paid the £125 or I used a conveyancing firm from their approved list that could act for them as well as me.

I went for the former as the solicitor I was using was 10 minutes walk from work so I could "doorstep" them to nudge things along when nothing seemed to be happening ;).
 
You have my full sympathy and support; having gone through this very recently, I share your pain!

It's always the solicitors that **** things up and all because they cba to get off their backsides and TALK to one another; they much prefer to hide from a phone and blame each other for their maladministration. Sorry and no offence but I honestly wouldn't pay that lot in washers. Three times I've moved now, this being the final one hopefully; different solicitors each time but each time they mesmerise me as to how they can seriously cock things up, stress you out and risk losing you your sale. This latest move, from sorting the mortgage out from scratch to survey done and dusted was 3 weeks (everyone involved there bent over backwards to do their bit and didn't need any chasing up whatsoever)..... it took us a further 10 weeks to get a date and a weeks notice to move in... and that was only because for the last 2 weeks of that we were on the phone almost hourly. We had a pencilled move date of 18th Dec, which got put back to 12th Jan, then when no paperwork for our new house turned up despite 3 weeks of 'where is it' to our solicitor, repeated 'we've not received it' and the estate agents assurring us the vendor had sent it on, we contacted the vendors solicitor direct to be told 'oh, all the paperwork is here, we'll send it to your solicitor today........ oh and in future, could you please ensure all communication goes through your solicitor'...... I was infuriated, not an ounce of a sorry in there at all. Their behaviour is disgusting and their role in the housebuying timeframe should be looked at and clamped down. They made over £1200 out of us and we did half the work for them! That is 3 months ago.... you can probably tell I am still seething.... grrrrrrr! Now then, that has reminded me; I didn't fill in their customer service questionnaire.

Sorry OP, got carried away on my soapbox there. Seriously wish you luck in a speedy outcome... just have belief in the karma and keep telling yourself it will all be worth it. May not feel like that at the moment but it will.
 
onomatopoeia said:
I think you will find that most or all lenders instruct solicitors to act for them, but normally it can be a different solicitor at the same firm doing your conveyancing and it's covered in the normal conveyancing fees that you pay to your solicitor. My lender (Hinkley & Rugby Building Society) decided that the firm I was using was too small so either they instructed their own and I paid the £125 or I used a conveyancing firm from their approved list that could act for them as well as me.
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That's quite true, unfortunately this particular bank has done deal with a very small panel of conveyancers, essentially they have all the banks business, whilst you can choose your own solicitor you cannot opt out of this panel, which would be fine if the panel could do the job, but they can't, there are only 40 of them for the entire country, and that is the problem.
RBS has a panel of 13,000 for comparison.
I'm almost certain that despite having our paperwork a week before we were due to complete (23.3.12) they didn't even look at it for 2 weeks because they only started asking questions on Friday 30th, and they advertise a 48 hour turnaround, I dunno how 2 days turns in to 2 weeks but that's the way it is right now.
There will be lots people that have lost houses/deposits/buyers/had to pay stamp duty, due to their inability to do the work, in that respect I feel lucky, and that's saying something considering the utter [PLEASE DON'T TRY TO BYPASS THE SWEAR FILTER] they are making of it all.
I of course didn't know any of this crap when I took the mortgage, a quick google might have saved me though..:bang:
 
sazzle said:
I was infuriated....
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I know that feeling..

Well, they aren't sleeping on an air bed are they, you are just a case number/voice on a phone line and obviously not actually human, therefore it'll keep till next week..
 
no I haven't moved, no I haven't got a date either, yes my back is ****ing killing me and yes I'm 2 stone heavier and considerably poorer but there's no washing up.

:|
 
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