Owning your own home

Congrats. If not already done, instruct your solicitor to start the searches. They can take a few weeks.

I had a question about charges. I bought a house just over a year ago which had a number of charges against it at the Land registry. Part of the completion involved lawyers exchanging letters saying that these would be dealt with, and they should all have been removed after completion.

I just found out that one of them is still there. I'm not particularly worried about the presence of if it, but I imagine I need it to go before I remortgage and I'm about annoyed about how my old solicitor didn't sort it at the time - I feel like this they didn't fulfil part of their role.

Is there anybody (eg regulatory body) I could reasonably contact to focus their minds and speed them up on resolving it, or do I just have to chase them until they act in getting rid of it?

Congrats mate. Pint on me this evening.

Perfectly placed for evening hill reps on Fox Hill.

HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA

You saw me only yesterday, did I look like the naturally gifted climber type?

Not yet.

But with practice.

Congrats @ChainBreaker welcome to a lifetime of debt.

What charge remains?
Other than one from your mortgage lender.

@Soul @middleofnowhere @Ramsaye

Cheers boys :-)

Ill happily take a pint now that i know im going to be broke for a loooong time.

I dont even own a bed or a couch...

BUT i have been collecting all the wire coat-hangers from the dry-cleaners so ill have something to hang my sorrows on!

I'm not sure which one it is, but there were three or four the previous owner had on the place plus their own mortgage - they owed a lot of money I think. We had everything in place to remove them (I don't know the word for it, but some kind of letters that the chargees(?) signed) at the land registry after the sale.

They've all gone apart from one where there was some issue (don't know what) and I'd like something a little more persuasive than me ringing up everyday to get my conveyancing solicitor to treat it as more of a priority than he currently is...

The regulatory body for solicitors is the law society.

Have you tried complaining to the head partner at the firm?

Other than that it's the legal ombudsman but I imagine that's a slow process.

Actually, it's the Solicitors Regulation Authority. If you contact them, don't hold your breath for a reply. They're not exactly quick. Or competent.

If you want to put the wind up your conveyancing solicitor, just write to him asking for them to identify who provides their professional indemnity insurance.

So today I had an offer accepted on what will hopefully be my first house! It's the second house I've put an offer in on but the first turned out to be totally rotten.... If all goes to plan I'll be letting the second bedroom out to a friend. Does anyone have any advice for that sort of thing, any useful guides or anything?Or any advice for this whole buying and owing a home thing in general?

Yep - be patient, but remember to keep asking your agent and solicitor "when?"

Trust nobody - particularly agents. Does the agent use a "deal progressor" or do the agents themselves take care of their own deals? ALWAYS try to deal with the agent with whom you've already got a relationship with. When the agent hands everything over to a deal progressor they're effectively washing their hands of you and leaving you to someone who won't lift a finger unless they've got 10 of the same thing to do.

COMPLETED!!!!!!!!!!!!! Picking up the keys after lunch.

WOOP WOOP!!!

Thats amazing news dude!

Thanks - good idea on the Head Partner. I'll cc him on the next correspondence.

Winner! Now you just need to move.

Yes, that will not be fun. I've managed to cut short my Colorado trip by 1 day which will help.

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nice

Moar photos of your pad!