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paulina

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About paulina

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  1. http://www.gpss.tripoduk.com/nhscare/[/u] Sorry I dont know how to turn it into a link but the address above is of an independent site with good info re NHS funded continuing care. Best, Paulina
  2. you can pay iin up to £500 per month. paulina
  3. Hi there I posted this in main forum but it generated no discussion so perhaps it will be more relevant in this thread...Just searched website of Exeter EA Wilkinson Grant for two bed properties up to £500k. Search returned 161 props of which 31 are newbuilds and 34 are advertised as "no chain". I dont know what kind of percentage of properties would usually lie empty but this seems extraordinarily high to me. regards Paulina
  4. Hi there Just searched website of Exeter EA Wilkinson Grant for two bed properties up to £500k. Search returned 161 props of which 31 are newbuilds and 34 are advertised as "no chain". I dont know what kind of percentage of properties would usually lie empty but this seems extraordinarily high to me. regards Paulina
  5. It may seem hard to believe but gold became the object of a speculative bubble not unlike the current HP situation where properties are bought and "flipped". You could go into H Samuel, buy a load of crap jewelry then immediately take it down to a second hand jewelry shop and sell it for the gold "spot purchase" price which would be more than you had just paid. Suspect this could not happen again as computerised systems will allow retailers to adjust prices quickly if gold takes off. Paulina
  6. The house in Melbourne Street went for 186k. Paulina
  7. To throw in a regional perspective - there is definitely an increase in property for rent in Exeter. The local paper has published a property supplement every Thursday for years. About a month ago it pulled the properties for rent and created a brand new Tuesday supplement just for them. There is plenty of property available but I have not been watching long enough to tell if prices are falling.
  8. I dont know if it is the same house but there is a Georgian terrace in the same street as described above listed in Fulfords March auction with a guide price £175k. http://www.fulfords.co.uk/property-details...ype=&rps=fulrps Paulina
  9. "does anyone know why the %age rate between orders made and houses reposessed has reduced so dramatically? has there been some change in the legal protection offered to home owners? or are they being given the chance to mew to pay off their arrears? whatever the reason is it is cutting the number of actual reposessions massively. (i hope it is not mewing 'cos, whilst reposession is completely devastating, loading up more debt may well be worse.)" It could be something to do with central gov requirements on local gov to prevent homelessness. Local authorites who fail to prevent homelessness will get a roasting from ODPM and funding reductions. Reccommended ways to prevent homelessness include the following (note especially d and l). Holding off repossession for six months could be long enough to enable the owner to sell the house and pay off the mortgage rather than allow the property to be repossessed. a) Casework leading to reinstatement, where a household has been illegally evicted. Preventing homelessness through helping a household find and secure alternative private sector accommodation, including hostel accommodation, which has a reasonable prospect of being available for at least a 6-month period. c) Casework leading to resolution of any issues including Housing Benefit problems where a private or public sector landlord has issued a notice determining the household’s tenancy or licence. d) Negotiation and agreement with a mortgage company or creditor where title is held as security against any default, and legal action has commenced to gain possession of the property. e) Intervention to tackle disrepair or poor housing conditions where the household is at risk of homelessness as it may be unreasonable for them to continue to occupy that accommodation. f) Casework assistance in helping a household successfully access a social housing tenancy or shared ownership property, which removes the threat of homelessness. g) Cases where there is a household member at risk of homelessness through domestic violence and where housing advice casework intervention assisted the person to remain in their home. This could be through the provision of security measures, or through helping the household to instigate legal action to protect their right to remain safely within the home. h) Casework intervention where the control of the case and its outcome remains with the advice service even if the ultimate action to prevent homelessness were carried out by a third party such as CAB money and debt advice. In such cases the advice service would have carried out the checks, provided all casework and liaised directly with debt advice, followed up the advice and options provided by a third party to ensure that it did prevent homelessness from occurring. i) Casework intervention through negotiations with a landlord, agent, legal representative, friend or family member, benefits agency or other third party which resulted in homelessness being prevented. This may be by telephone or in writing. Excluded is general advice to the household on what they may or should do themselves. j) Home visits where the direct intervention has prevented the homelessness for a period of six months minimum and has not merely delayed it for a short period of time. It might also include casework interventions that ensure that a household can return to a home following a period of homelessness. k) Intervention where an applicant faces homelessness as they cannot afford to pay an increased rent. Casework intervention either helps the applicant to negotiate a lower rent or increases the applicant’s income through benefits or a discretionary housing payment, or charity payment, and removes the threat of homelessness. l) Court representation where the case is struck out, dismissed or adjourned and as a result the homelessness is prevented for at least six months. Cases where the housing advice service has done no more than signpost or refer to a third party, who are then responsible for the successful intervention should not be included. Although signposting or referral is important, it is not an indication of the effectiveness of the local authority’s statutory housing advice services. BVPI on Prevention Through Housing Advice (BV213) Paulina
  10. Dear HPCers Thanks for the replies. The debate has echoed my own uncertainty - this is a stressful and very inconvenient situation but I am not quite sure it is sufficiently extreme to proceed with boiler replacement without approval of the l/lady. Having taken all you have said into account I have decided to take the following approach. I will go in and see the agent tomorrow with the specific goal of agreeing an emergency plan to deal with boiler breakdown over the Christmas period. i will ask to be supplied with number for a plumber who will definitely attend on Xmas day if necessary. If I cannot get a plumber to attend I will book self and son into an hotel (if I can find one with a vacancy) and will deduct expenses from January rent. I am hoping the boiler will not in fact break down over this period. i will ask plumbers to put their views re the viability of the boiler in writing and will then again request replacment. if no joy I will seek intervention from environmental health officer in the hope this might lead to action. The next time the boiler does actually break down (rather than just requiring daily attention) I will make a final request for replacment within 3 days. If no joy I will then proceed with replacement and invoke the legal right to offset as specificed by Mr Shed. Please let me know what you think of this plan. Paulina
  11. I recently explored the possibility of converting a run down 3 bed terrace into a studio flat (downstairs) and two bed maisonette (upstairs). Central heating, electrics, kitchens and bathrooms would all be new and self-contained. I was planning to lease the property(s) to the local council. They would have given grants up to £10k per property in return for long leases so it looked like a good deal. I got planning permission which required all work to be done in accordance with building regs - in particular sound proofing and fire escape facilities. I went as far as to get quotes from 3 builders. After VAT they came in at over £50k. I decided not to bother. Probably it would be cheaper if the properties were not going to be completely self-contained (with separate meters etc). Or maybe I just picked the wrong builders? Paulina
  12. Hi there My first post after longtime lurking. I am renting @ £850pcm. Tenancy began Nov 1 and the boiler has broken down three times - twice at the w/end so no heat or hot water for 36hrs (it is a combi boiler). Agent has been Ok and sent plumbers each time but basically boiler is shot. Both plumbers have said it needs to be replaced or it will continue breaking down. One plumber has said he will not respond to any future call outs as he has given his professional opinion it needs to be replaced. I am never sure if the boiler will work and most days I have to let water in before it will fire. A week ago I wrote to agent asking for replacement or permanent repair within seven days. Deadline was yesterday and agent phoned to say owner cannot proceed with repair as she has no money. I decided to offer to pay for the new boiler myself (1.5k) and let the owner pay me back in installments over 10 months interest free on condition she did not give me notice till full repayment was made. She turned me down. She is clearly in breach of contract and in breach of Landlord and Tenant Act I am trying to decide how to proceed and currently thinking I will get the work done and then withold rent until I have recovered expenditure. I dont particularly want to move out as could do without the disruption and - apart from the problem - I do like it here. On the one hand I dread the thought of Xmas without heating; on the other hand the boiler is actually working (albeit only just) so how reasonable would it be for me to proceed with replacement? Any thoughts? Suggestions? Thanks Paulina
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