marzipan
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Posts posted by marzipan
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I moved out of a property one month ago. The landlord is withholding part of my deposit to pay for cleaning the carpets through the property. He also tried to charge me for other things, until he was advised that they can be put down to normal wear and tear. There were already stains on the carpets before I moved in, which is noted in the original inventory report, so I can't understand why the landlord insists on charging me for it.
I have already explained that I will recover the money through the courts if he doesn't return it to me, but he doesn't seem to mind.
I wondered if anyone has had similar problems and what the outcome was? I have been trying to get my deposit for a month so far - what chances do I have of getting any interest or compensation for time and trouble?
Also, I wondered if there was any official organisation I could report him to for trying to rip me off and making the whole deposit return process much longer and more difficult than necessary, like a landlord 'blacklist'.
name and shame!!
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the hometrack report is compiled from information supplied by estate agents. During a boom they are more than happy to show how bouyant the market is, and probably have more time to submit the data because they don't have to work so hard.
during a depressed market they have to work a lot harder and are probably less likely to 'boast' about the sales figures.
there have also been reports that a lot of estate agents are closing down - this could cause problems for Hometrack if they need to find alternative estate agents in the same area.
I think they will also try to choose a busy news day to release the information, hoping it will get buried under other news.
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Used a calculator 60m divided by 400k % of = 15. So sorry never went on to higher education never had the opportunity but was brilliant at doing my company`s accounts according to my accountant.
wow the chairman of Enron makes a surprise appearance on HPC forums!!
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did you see those two women who have 900 properties on their books!! They seem to be having trouble selling any! They put it down to the fact that buyers come over from uk with 'high expectations' of what they can get for their money. Funny how ALL the buyers seem to have the same expectations! It must be all that sunshine making them a bit doolally.
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Not very good at maths, but would that work out to 15% of the total population.
Fifteen in every hundred?
well if thats the level of maths skills in the UK today i'm not surprised debt is increasing
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http://www.alpari-idc.com/en/analytics/cal.../20050927/info/
according to the above link it's at 11pm tonight
maybe they went for a curry after the pub and forgot.
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I checked nethouseprices recently for a road near me, a typical London road of Victorian houses, most of them split into flats. Check out some of the bought and sold figures from the last 5 years, some making £100,000s in a few months.
but that doesn't show you how much they spent doing the flats up.
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Nothing wrong with buying new build so long as 2 criteria are met:
1) Good location
2) Good quality
I bought new build in 1991 - best decision I made.
you say that now, but were you saying the same thing in 1995?
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On the train home last night, I heard some guys having a conversation about houses.
One guy said that he was going to try to save for a deposit once he has paid of his 0% credit card debts. He then said he was going to stop paying into his pension beacuse he didn't see the point! he would rather have the £120 a month in his pocket.
The reason I mention this is because I find it amazing that people can be so ignorant of financial matters. I don't know what funds his pension is invested in, but I assume it is mostly invested in the UK stock market, which has been consistently rising for the past two years and shows no sign of slowing down. The housing market on the other hand, is on the verge of either stagnation or a crash.
Now is probably the worst time to think about switching from stock market into property!
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a crash of only 19% over 5 years.
...on a house that is currently valued at £200000, would be £38000.
A lot of people who have bought in this boom are expecting their property to double (at least) in that time, and have taken out interest only mortgages, paying as much as they can afford. They hope that capital growth will pay off the repayment part of the mortgage, and also provide them with some capital gain.
So fast forward to 2010 and just think what will it will be like after 5 years of falling prices. The general public will look back on the past five years and see housing as a way of tying up your money for years without any benefit. YOu would make more money if you put the deposit in a bank account, and rent for 5 years. Thats why it takes years for the market to recover.
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This is probably a lucky ecape for you. Sounds like you are better off away from this t****er landlord and his sidekick agent. He would probably be reluctant to do any repairs in the property and then stitch you up on the deposit.
I would suggest that you publish the name of the landlord and agent on this or some other bulletin board, so that any other potential tenants out there are warned of this dodgy behaviour. In the unlikely event that he sees the post, he cannot take any legal action if the facts are true.
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Okay need some help here - just agreed with agent new rental starting October - went at the weekend and stumped up £250 holding deposit - get a call this morning saying landlord wants more money on reflection (i.e. he's had another offer over the w/e!). Anyone know whether he's allowed to back out now that I have got a holding deposit receipt - quite frightening cos this could have happened much closer to my move in time and left us homeless!! Bubble...
The holding deposit is just that - it is for the purpose of holding the property for you until you move in.
After the landlord or their agent accepts the holding deposit, they CAN NOT accept any more offers on the property. The only situation in which they can back out is if your references/credit checks are not satisfactory.
You should refuse to pay more. If the landlord backs out because of this, you should be able to claim expenses for any costs you incur in trying to arrange alternative accomodation.
http://www.adviceguide.org.uk/index/your_r...mall_claims.htm
It would be a good idea to walk away from this landlord as he sound like a right t***er, and will probably try to stitch you up on the deposit when you move out.
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one bedroom flat - £130,050 reduction to £179,950!
and the agents comments? "VERY DESIRABLE! VIEW NOW!"
can't be that desirable!
http://www.tmxhome.com/properties/details....es/newprice.asp
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Sat her down at the computer and went through some figures, after which she immediately rang the estate agents to sell her rental property
this is a good sign for the bears. one of the biggest bullish debates has been that the new BTL brigade are in it for the long term and aren't likely to sell up due to any short term price 'corrections'.
i think this proves that theory wrong. Most people don't pay attention to house prices as much as us hpc addicts. Once they start to hear the bearish message they will panic and send prices crashing!
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The flat has been on the market for 8 months or more and originally had an asking price of £172k. Current asking price was £134k.
it would be interesting to know how much the flat was worth four or five years ago? Was the original asking price about average for that area or was the seller being a bit greedy?
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just looked at the http://www.propertyhotspots.net website
this guy has put up two 'solicitors' letters to prove that he has been able to buy two properties, one for £3,000 and one for £9,000. The reason he is so excited about this is because the rental yields for such cheap properties are very high.
He has blanked out the postcode and towns of these properties but has left in the street name and number. A quick search on the house price search websites did not show any properties sold at either of these addresses, anywhere in scotland, england or wales, and not even any properties with the same road names selling for anywhere near the prices he claimed to have bought at. seems a bit of a scam to me.
even if he did make money during the housing boom, he must be very brave to believe that he can still make millions when the housing boom turns and his 'multi-million pound' property empire (financed by bank loans and mortgages) loses tens or even hundreds of thousands of pounds in value every month.
I don't think we'll hear much about him in 3-4 years time.
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Excellent programme last night!!
couldn't believe trev's opening statement - i think someone at ITV has been on this website! bearish views on national tv?! fantastic!
I have to say it was a bit shocking as well though, whilst we revel in the news of rising reposessions its easy to forget that some of these people are in real trouble and could end up on the streets.
anyway, lets hope this is the start of a wave of bearishness in the media!
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remember that the Halifax is owned by HBOS plc, a listed company - the house price index reports are in effect a trading statement sent out to shareholders reporting on the health of the business.
They will always be upbeat and optimistic, just like any other listed company. They will always find a way to talk up a decline in house prices. As with any plc company announcememtn, you have to read between the lines - what they don't say is far more informative then what they do say!
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is it just me or have they deliberately left out any mention of the fall/rise in london? do they normally release the london report at the same time?
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1. Fund Manager <NOT A REAL JOB, NO VALUE ADDED TO ECONOMY
2. Credit Trader <NOT A REAL JOB, NO VALUE ADDED TO ECONOMY
i think you'll find that the financial services sector is about the only economy we've got left. Manufacturing has gone to the far east and services sector is following, oil and gas is disappearing fast and we now import more than we export.
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its amazing what some so called professionals will put their name to
Just look at this headline from 1989, just when the last crash was beginning to take hold:
"The Times
TUE 03 JAN 1989
Agents optimistic about house prices
A leading national firm of estate agents believes a collapse in the property market in 1989 is highly unlikely. Strutt and Parker has completed a review of 1988 trends, dominated by panic buying in the summer, then a London-led slowdown in the last q..."
and just look how many times halifax appears with its optimistic forecast, even after prices have fallen for several years!
http://www.housepricecrash.co.uk/FAQ-1989-...papers-said.php
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"The City of Westminster also fell by a further 4.9%, £23,403 below last months average asking price."
this monthly fall is more than 2 years rent in leafy sw london where I am renting, only about 2-3 miles away.
and I don't have to put up with a 24 hour party (ie soho) outside my flat!
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There was always the option to use bomb(s) just off the coast of Japan on an unoccupied island within view of the mainland. This may well have had the same effect as Hiroshima and Nagasaki but was not chosen. They could have at least tried it.
apparently they only had two bombs available at the time. They didn't want to 'waste' either one, and anyway, the first bomb killed tens of thousands of civilians, but still the Japanese did not surrender until the second bomb fell.
how times change, if even just half a dozen civilians are killed in Iraq there is uproar, but in ww2 carpet bombing cities and killing thousands of innocent civilians was accepted as a necessary part of the war.
Debt Takes Over The Tv Schedules
in House prices and the economy
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"sensitive and intelligent documentary series on Channel 4 "
ha!