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Posts posted by YoungFTB

  1. So are you going to move out? I'd have words with the landlord ASAP!

    I'm looking at my options atm

    I'd be looking to get out asap. Since a 12 month AST has been signed I don't know what your options might be.. is it possible to cut that short somehow? Maybe worth a call to citizens advice and explain, see what your options are.

    I favour this solution since when you leave in 2 months+ time the work would have started making it a difficult property to let. They deserve a massive period of no income.

    Incidentally I would never sign up for an initial term more than 6 months in duration for reasons like this, until you're there you just don't know what it will be like.

    Yeah I should have signed a 6 month contract, I'll do my research first and see what my options are

  2. A similar thing happened to me courtesy of another reliable profession. Bought where I live off plan and agreed a particular garage with the EA. When I moved in the key they had given me did not fit. They asked me to look at the plan and they had allocated a different one in a block of 4. The one they agreed with me is one of 2. To this day it causes me problems. BTL here means the others let their garages rot and the garage I should have had was slightly bigger. I blame myself for taking someone's word.

    I feel for you I really do. Usually I don't take people at their word but in this instance I was shown around the property by the owner, this property wasn't a BTL it was the owner who was moving away for a few years and they seemed like lovely people. Still I guess this one is on me, I suppose in hindsight I could have went around all the neighbours and asked about the land

    Regrettably, if it ain't in writing, or else in the very rare circumstances you have some way to prove that a verbal contract was effectively agreed, you don't have much of a leg to stand on.

    I always record my telephone calls of things like this - it resulted in a full deposit refund plus a compo cheque when a letting agent tried to stick it up my lad and his mates on a Uni slum in Durham. If building work was an issue I'd also have done the planning search, but even in that case I might have found nothing - the plans could have gone in the day after signing up and they could be digging holes within a couple of months anyway.

    One to chalk up to experience perhaps, but if they are causing you noise outside reasonable hours at least you can take some action. Take heart that you are not a shift worker - they've been getting disturbed by the bin men and ice cream vendors for years.

    Thanks Sam, appreciate the kind words. If I could have recorded conversations I would have, I suppose next time I speak to my landlord I could bring up the subject and record the conversation but as I understand it that doesn't hold up in court.

    Have you used CallTrunk.com for recording phone calls? It's great, I've recorded entire conversations with EAs in the past through that website, it's excellent!

    I know it doesn't help in this case but all the local authorities I have come across have planning applications online. You just put a

    postcode in and up comes pdf files, decision dates etc. 10 minute job.

    If you want to get out of the contract without penalty and the LL won't agree, you need to get some evidence that he gave you duff info. He might

    just claim he didn't know or not to my knowledge. If you can get writing he said the panning app wasn't approved when it was and he holds his hands

    up to being a mistake, then you should be able to get him to pay for his mistake.

    See if you can get any hard evidence in writing before you do a his word against mine dance. Don't threaten to sue straight off, try

    and catch him off guard. :lol:


    Dear Mr Rigby,

    You told me that no planning permission had been granted and no building works were to commence before I signed the contract....


    I would be grateful to receive your comments on this matter.


    Thanks for the reply mate, atm I'm digging up info. I've spoken to the builder and asked for a letter of the date planning was approved etc I'm also going to see if I can get a copy of the letter that was sent to all the neighbours etc

    Stainless Sam sadly I know you're right, without solid proof I don't have much hope. Doesn't make it any easier to accept the situation though as IMO I've been legally conned, it's certainly changed my attitude about wanting to take good care of the property, I certainly won't be going out of my way to fix things that aren't my responsibility!

  3. One of the options is metres away from the property - I think it may be up to 100 metres away so it should have shown up. Why don't you try your postcode and see if it does show up the potential new build.

    I just get an error up when I try and search the info

    "A mapping error has occured. An error report has been logged with the site and we will resume the mapping functionality you attempted to use as soon as possible."

  4. Thanks for the link Willie.

    I have no idea how I'd be expected to know there was planning permission approved for a plot of land that has no post code or any information attached to it though to even do a public search on

  5. Dunno about your local council , but on ours a simple postcode search under the councils planning approval website will give you all current, pending, and approved applications within your area .

    I don't think we have that in NI

  6. So I viewed a detached property and the landlord showed me around the property, there was a plot of land directly opposite the property and I raised my concerns and asked if planning permission or if a house was going to be built on the land.

    I was told no planning permission had been approved and there was no immediate plans for a house to be built on the land, I made it very clear I wanted some peace and quite and if a house was being built on the land it would be a massive issue for me but was assured this was not the case.

    So I went ahead and signed a 12 month contract for this property.

    So I've been in the property for approximately 1 week, and today I notice a bunch of people around this plot of land so I go and speak to them. Turns out planning permission had been approved over 1 year ago for a 4 bedroom house and within the next month or 2 the building work is to commence for this new 4 bedroom house.

    I also found out that last year everyone i.e. All the neighbours where sent out a letter letting them know planning permission had been approved and it's going to take around 9 months to build the property (Pretty much my entire tenancy)

    What I want to know, what are my legal options?

    I've been blatantly lied to by the landlord and now I'm basically going be living beside a building site for my entire tenancy, what makes this worse is I work from home and I work late into the early hours of the morning so this is also going to effect my sleeping pattern as I usually don't wake up till 11am - 12am and I usually go to bed around 3am - 4am but a building site beside me will wreck my sleeping pattern

    Did the landlord have any legal responsibility to tell me about the impending house being built?

  7. Beware their motives. A fee for checks on a guarantor may feature somewhere!

    If you demonstrate sufficient funds, you're your own guarantor. I expect some agents just treat any young tenant as impecunious but having parents with assets.

    Oh yes a £40 fee or something like that.

    Well according to the EA, even though I had demonstrated I have enough money to pay for the entire years rent that doesn't protect the landlord/agent from having someone to sue if I decide to wreck the place (his words)

  8. Think twice before taking the legal route as you plan to sell your house. Legally, you are obliged to provide true/correct information regarding your neighbours to any potential buyers if they ask for it. If you take the legal route, then you are unable to lie (that they are nice, quiet lovely people etc etc) since your compliant will be registered at your local council/police station.

    Sorry for bumping an old thread, does this legal responsibility apply to renting accommodation? I.e. If there has been complaints made in the past about noise, is the landlord or EA legally bound to inform a potential new tenant about the noise complaints?

    I know there was a case a while ago about a guy who purchased a house and then finding out he had a neighbour from hell so he sued the previous home owner for failure to disclose any info about his neighbour from hell


  9. Sorry, HB = housing benefit, and yes, put yourself down as the employer, with a summary of your turnover and profits, plus any other income like housing benefit and tax credits etc. If at all possible, go and see them in person, armed with your business records so you can show them without leaving a copy. It all depends on the agent / landlord, and whether they favour the personal, or box ticking approach really.

    Thanks again for the advice, I'll do that!

  10. When I was in that position (and had absolutely no credit score after returning from several years abroad) I offered six months up front. Helped with gaining trust, and I think it's fairly usual amongst those without proof of earnings.

    Thanks for the advice, I'd have no problem providing this. The EA has said he and his vendor would prefer a guarantor which I can understand from their perspective

  11. All agents and most landlords will want a guarantor, just in case. Not just to cover the rent, but any damage or other liabilities. Also If you're renting and self employed, you may get HB depending on your profits which they might accept as adequate proof of income, though the landlord may specify "no DHS" of course.

    I'm wondering though, if you're self employed, why can't you provide proof under (1)? Are you trading properly yet? don't you have bank records or invoices / sales receipts?

    What is HB?

    Perhaps I've misunderstood, for the first option of current employer would I just put down my own info? Yes I have bank records etc That's no problem to provide!

  12. I'm in the process of sending out an application form for a property I'm interested in renting.

    In one of the sections I'm asked to check one of 4 options for proof of financial information 1) Current Employer (That's me) 2) Pension Advisor (Don't Have One) 3) Accountant (Again Don't have One, I do it myself 4) SA302/SA100

    Number 4 is the only option I can provide but there is nowhere to provide these details, just a couple of lines asking for Company Name, Address etc

    Do I just attach a copy of one or the other? Or both? Maybe it's just me but I don't see how a Self Assessment SA100 Tax Returns Form is gonna prove to an EA that I can fulfil the rent obligations, then again perhaps that's why they want a Guarantor for the property I wish to rent due to the fact I'm self employed.

    I'd appreciate some advice on what to do from anyone who is self employed, frustrating in a way because I've got enough money in my personal account to pay the rent for the entire year but they still want a Guarantor too

  13. Update for anyone interested.

    The house has been repossessed, her indoors contacted the bank who confirmed this.

    On explaining our situation (i.e. would have bought the house before repo) and requesting information on how to make an offer the bank stated "they had no current plans for marketing the house".

    Gonna chance a letter to the bank head office and see what comes out of that, show we have a mortgage in principle and make an offer.

    If you really want it just be persistent and try and many forms of communication as possible

  14. The ideal solution would fix the problem at its source — the price-setting mechanism itself. Keiser says this could be done by banning HFT and installing his VST computer program in its original design in all the exchanges. The true market price would then be established automatically, foreclosing both human and electronic manipulation. He notes that the shareholders of his former firm have a good claim for voiding out the sale to Cantor Fitzgerald and retrieving the program, since the deal was never consummated and the investors in HSX Holdings have never received a penny for the sale.

    There is just one problem with their legal claim: the paperwork proving it was shipped to Cantor Fitzgerald’s offices in the World Trade Center several months before September 2001. Like free market capitalism itself, it seems, the evidence has gone up in smoke.

    Things that make you go hmmmm

  15. I'd be careful about recommending recording a call.

    You need not tell the other person if it is for personal information and you never divulge the call to a 3rd party.

    If you do intend to use the information in a call for any reason then you have to inform the other caller by law.

    Good luck carrying on a meaningful conversation with an EA if you inform them you're recording the call.

    Lot of legislation which applies to recording phone conversations.

    Regulation of Investigatory Powers Act 2000 (”RIPA”)

    Telecommunications (Lawful Business Practice)(Interception of Communications) Regulations 2000 (”LBP Regulations”)

    Data Protection Act 1998

    Telecommunications (Data Protection and Privacy) Regulations 1999

    Human Rights Act 1998

    Cheers Ausdave, that's interesting I didn't know that. Out of curiosity could you inform them you are recording a conversation at the end of that conversation or does it have to be at the start of a conversation?

  16. I'd love to compile a list, PM me if you want to hear a cracker of an experience I had with an EA on the Lisburn Road!

    But yes very much so, since a lot of EAs have their own portfolios it's

    1) Their interests

    2) Their friends interests

    3) Buyer

    4) Seller (If you're lucky)

    If the property is with The Nationwide then their asset management company is http://www.lsl-ccd.co.uk - I have email addresses of the correct people if you would like them if you need to contact the right person

    Ulsterbank/RBS are a tricky customer, I had no joy finding out who their asset management company was and I phoned a LOT of people :) Kept on getting the reply bla bla bla "Data Protection"

    IMO with repossessions it's vital to know this information if you're serious about placing a bid because you're gonna need to contact them to make sure the EA has actually placed your offer with them.

    Another thing I would highly recommend is buying some credit on a website called https://www.calltrunk.com/uk/en and record EVERY conversation you have with an EA if you're placing an offer. That small investment could be worth it's weight in gold if you later find out the f$$kers didn't pass your offer on to the asset management company.

    Truth be told repossessions are a pain in the ass for EAs, if an offer has been accepted and then someone else comes along and places a higher offer they are back to square one i.e. it takes longer for them to get their commission. They know all this when taking on the property but it doesn't change the fact that if they have a buyer they'll try their best to stick with that buyer and prevent other buyers from placing an offer if they can.

  17. A LARGE house in one of Belfast’s most elegant terraces sold for £200,000 yesterday, a fraction of the price such properties achieved at the height of the boom.

    The College Gardens home was one of numerous properties across Northern Ireland that sold for far above their reserve price at the bustling sale in Belfast’s Europa Hotel.

    College Gardens is a collection of listed terraced houses in a prime location between Methodist College and Queen’s University.

    A number of the homes were bought at the height of the boom for prices in excess of £1 million and have since been repossessed.

    The College Gardens house that was sold at the BTW Shiells event yesterday, number 15, was in bad condition and in need of a complete overhaul. It had been previously used as hostel accommodation for students. There is planning permission to convert the premises into apartments.

    £200,000 that's shocking considering the state of the property, I suppose it's the planning permission to convert it to 7 apartments and location is what has given it that final price.

    I thought it would sell for £90,000 - £100,000, I was WELL off with that guess

    Two nearby terraced houses in College Gardens attracted little bidding last year at the equivalent BTW Shiells auction, and were agreed for £230,000 – a mere £115,000 per house.

    They had sold at the height of the market for a combined price of around £2.3 million. In the meantime, they became almost derelict.

    £2.3 million WTF! Dear god!

  18. I'd advise renting for the first 6 months, house prices are expected to continue to fall over the next 12 months so don't rush into buying as house prices won't be going up anytime soon.

    Read all the topics in the NI forum, you'll get a good feel for the market after a week of reading, auctions and repos may also be an option for you depending on if you're looking for a project.

    Do you know what your budget is? If you have a house in canada have you sold it yet?

  19. Hi guys, have been keeping an eye on here for a while now and agree with most people that prices will fall again in 2013 but do you think there is value at the bottom end? Would you consider 50% less than R.V and a 12% yeild as a buy to let as value? I'm beginning to think that there is some value out there especially with houses less than 50k.

    Most properties in this backet are in council estate areas, if you've been following the news recently some of the areas are not the most attractive places to live in atm nor will they ever be quite frankly.

    I think at any price you're taking a chance if you decide to BTL in these areas, you'd most likely have to look for a DHS tenant and if you've read anything about DHS tenants they can be a complete nightmare (potentially)

    I was speaking to an EA about houses in this price bracket a while ago and he was telling me that a lot of BTLers where avoiding the houses below the 50k price range as they tended to be really old properties, built in the 1930s etc in some areas and required quite a lot of immediate work compared to properties in the £50 - 70K bracket that tended to be in better areas i.e. not in council estates, that required less work due to being built at a later date.

  20. The housing executive did a pretty good job of providing good quality, affordable, well-maintained housing. I very much doubt that the private sector is going to somehow do better.

    Looks like for many who are unable to buy, the future is going to lie as being the tenant of some BTL landlord who may or may not (the overwhelming likelihood being 'may not' IMO) do a good job of providing accommodation.

    I'd expect the knock on effect will be a fall in the overall measured standard of living for NI.

    I can see how this'll end up working out, the people who actually pay rent for their housing executive homes will see big rises in the amount they pay for rent and that'll fund all these maintenances while the benefit scum (sorry, economically unactive) will continue to have their rents paid for them and contributing nothing as usual!

    Anyone know how this'll effect the right to buy?

  21. There can be several problems buying an apartment with no management in place. I would suggest you assess the condition of the communal areas and outside of the building as this can tell a lot about if the other leaseholders are pro active.

    It is difficult to get other leaseholders to agree to cough up money for maintenance that needs doing and even more so if other properties are BTl as many landlords are only interested in the income.

    On the plus side, if the residents manage the property themselves, this can save expensive managemnet company fees and being ripped off by them adding there cut to tradesmens costs. Check to see what the situation is with the lease. Is there a freeholder or have the apartment owners purchased the freehold collectively? do you get a percentage of the freehold on purchase? all the details should be available for your solicitor in advance of exchange. Check the terms carefully as there may be things like the external elevations must be painted every xx years.

    Best of luck ;)

    Thanks for the reply buddy!

    Thanks CHF! I just found this thread in that forum - http://www.housepricecrash.co.uk/forum/index.php?showtopic=183455

    Excellent thread and it's ended any ounce of interest I'd have in buying an apartment with no block management company! I was more curious than interested tbh

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