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Need some housing advice.
My current situation is as follows..
I share a house with my uncle and father My uncle and I pay the mortgage, my father put down a 60k deposit on the house (thus, he doesn't pay the mortgage) As mentioned in another thread, here - http://www.cableforum.co.uk/board/22...ncle-fire.html My uncle is nothing short of a nightmare to live with, so, we want to change things. We've tried speaking to the guy calmly about the problems we have with him (there are many, many problems) and each time, he flips out and starts cussing at us and generally throws a tantrum befitting a 10 year old. My father has recently met a lady friend who he's now dating, so to speak and he would like to sell the house, him and I move out and all three of us would hopefully buy a place. So my question is, is there anyway we can get my uncle to move out? And if he refuses to do so, would we be able to put the house up for sale, if he didn't want to move out? I know this might come across as a little unfair on my uncles part, but trust me, his past actions and problems, warrant something as drastic as this. Any advice is appreciated. |
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Who is named as owner on the mortagage docs?
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If he can show he has been contributing to the mortgage you may have trouble on your hands if he takes legal advice.
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The important thing is not to make it difficult for the buyer - their transaction is much easier if it is with one seller. I may be wrong on the details, but consult a solicitor to find out ... |
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Thanks Gazfan, we're hoping he'll just move out, when asked and transfer the mortgage to our names.
If not, well I guess we'll have to sell up. |
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Pay some time to find out who might represent you best... as in do I know anyone who has had this kind of experience with legal dealings. |
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Well apart from getting your uncle sectioned I think you just have to bite the bullet and pay for legal advice.:erm:
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It doesn't rally matter what your uncle has or has not done, or what he is like as a person, he as much right to the property as you do. He has paid his share of the mortgage and his name is on the deeds (I presume it is held in tenancy-in-common, rather than joint tenancy).
Your options are (from what I see), is that you could either ask your uncle to buy your shares of the property, or try to sell your shares to someone else. It is unlikely that he would agree the former, but if you take the action of the latter it may prompt him to do something about the situation. Saying that though, it is not easy selling a tenancy-in-common share, very few buyers would be interested in such an arrangement and you may be forced to sell below market value. |
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I would assume it's a joint tenancy? Not sure. But, in other news, we got a letter through the post today to say our mortgage hasn't been paid for the last 2 months and the matter has been sent to a collection agency (The letter was from the collections branch of "Santander") He claims the bank "lost" his shares and it messed up his direct debits, but the letter can be tossed out, as they are aware of the situation and the reason we got the letter is just "Procedure"? I don't believe him, for several reasons, namely he's been waiting outside everyday for the postman/girl for the past 3 months and the one day he isn't here to intercept the post, is the day we get the letters. This guy is completely useless, and that's putting it mildly. |
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You need to get in contact with the bank yourself if you can, things don't go to collections agents unless letters / contact has been ignored continuously.
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Re: Need some housing advice.
If the bank has sent letters warning of non payment of the mortgage you need to act now to clarify the situation. Whilst banks don't take reposession lightly your credit ratings will already be affected, and if they do have to go down that route because nobody is dealing with the issue on your side, you won't be worrying about how to sell, you'll be worrying about whether you will one day have any money or an ability to put a roof over your head.
Ownership with joint mortgages is complex, and you will need to see a solicitor. Given the mortgage non payment confusion you need to do this pronto, even if it is costing you. The Citizens Advice Bureau may be able to point you in the right direction. Realistically you will not be able to sell the property easily while there are issues with the mortgage as you'd need to get the mortgagor's consent. You'll also have problems unless all owners are agreeing to sell. Each party has a stake in the property, at least equal to their financial contribution. |
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You need to consult a solicitor..
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Yea, we plan to
Had four letters in the post today, all for him, one was definatly a final demand letter, as you could see the big bold red print through the envelope. Looks to be from a credit card. |
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Luckily credit ratings are assigned to the person now..and not the address..or the "big red letters" letters (you know what I mean) might have been a worry.
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---------- Post added at 16:14 ---------- Previous post was at 16:13 ---------- Quote:
---------- Post added at 16:14 ---------- Previous post was at 16:14 ---------- AdamD, do you have seprate mortgages, or is it just the one mortgage? |
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It's just one mortgage, all our names were put down on said mortgage when we took it out.
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So, why is the mortgage in arrears? Whose account does the payments come out of.
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My credit score/rating has dropped by a couple of hundred points and there's a note on my report/score that there's 1 months of arrears on the mortgage. So it does affect all of us, it seems. |
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That's because, if it is a joint mortgage, you are jointly and severally liable for any defaults on the loan.
Who is responsible for making sure the mortgage is paid? |
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That is easily changed. Write to the mortgage company and ask them to set up a new direct debit in your name, at least then you can keep control of the payments. They will be happy that someone else is taking responsibility. However, at this stage, you have no legal recourse to force him to pay anything towards the mortgage. You really need to consult a solicitor to help with your attempt to buy him out.
This is perhaps a salutary tale (if not a pointless observation), about sharing property and not setting it up as tenancy-in-common and ignoring the possibility that someone won't stand up to their end of the bargain. |
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We can't buy him out, we don't have the money for it
And even if either my dad or I took over the payments, there's no telling if he'll "accidently" forget to pay US, then we'd be in debt. The only option I can think of right now is to sell up, I think we're both at the point of not caring what happens to our credit, or the house itself, we just don't want to live with him, he's....well there are no words to describe what a waste of space he is. |
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---------- Post added at 13:56 ---------- Previous post was at 13:53 ---------- Quote:
It is time for you to consult a solicitor Adam, I don't think anyone on here will be able help any further, other than give you lots of empathy and support. |
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Thanks all for the advice.
My credit report now shows two late payments, not sure if there's any late ones this month so far. But we've had numerous debt collection companies calling for my uncle of late, Amex, Albion, Risk Management Alternatives, Lloyds Gym and another who's name I forget. Everytime they call here, he rushes to the phone and says "No David isn't here at the moment". We had a call 10 minutes ago and the conversation went like this. David: Hello? David: No, who's calling? David: Oh, no he's not here at the moment David: I'm his brother...no, he hasn't told me about that.....really? No I had no idea David: How did you get this number? Well he hasn't had email in years, so that can't be right, does he know what this is about?....well I had no idea, but he's not here, so you'll have to call back later. He hangs up and usually repeats that type of conversation the next day when they call. We've confronted him about it and he always has an excuse and it's usually someone elses' fault, be it his partners, the banks, or some "miscommunication". So, I have a question When we bought this house, the mortgage was 138k and my dad put down a 40k deposit. If the debt collectors come calling, could they take (A) the house and (B) the original deposit my dad put down? |
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At least 5 people told you to get a solicitor when you started this thread. I presume you haven't done this, otherwise you wouldn't be asking this question. You really need to see a solicitor ASAP, or you could find yourself in serious trouble. |
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Yea I know, but when you're on benefits, it's not easy to afford a solicitors fees.
My dad's also retired on a limited pension. |
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* There's no doubt some people here will be fairly well informed, but you've only got their word for it. CAB exists for matters like this. |
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being on benefits doesnt matter in this, you can get legal aid or at least go to your nearest Citizens Advice Bureau for their advice.
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Heh yea, good idea
Didn't think of the CAB for some reason. Thanks..again. |
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Why not make an appointment to see a local solicitor?
The first half hour is free. |
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Keep an eye on the clock though |
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We don't have many options unfortunatly, as we're all on the same contract/mortgage.
The only options that Citizens advice were able to offer, were... 1) Sell the house, before it's to late 2) See #1 They didn't seem to be able to offer much in the way of options, but they did sympathise with our plight, but as we already knew, we took the risk when he moved in with us. Today we had a confrontation, as the mortgage company informed me they'd sent us three letters for each month there was a late payment, we only got one. We also requested statements, twice, which were sent by registered/signed for post, neither showed up. Why? Because my uncle is the one who rushes to the door when the mail arrives, we suspect he's been taking the mail and has been since September. |
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You need to make sure you get to the postman before he does. It's 2 against 1 so you should be able to get to the postman before he does.
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The first is Mail Collect. Quote:
Have you thought about setting up a PO BOX with the Post Office which costs from £60 for six months. |
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If (and it sounds like it is) it's a joint mortgage, then any correspondence would be addressed jointly to all mortgage holders, recorded delivery, PO box or whatever. Thus he'd be as entitled to get it as any other party.
If your in debt, your not going to fork out for a PO box to compound stuff. |
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Yea the mortgage stuff comes through with all three of our names on, so it wouldn't make any difference. :(
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Does your Mortgage Company have an on-line facility with which you could register in order to view the payments being made? I know that some banks that can be used on-line include any mortgage you hold with them so that it can be checked in the same way as you would do with your other bank accounts.
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Maggy's suggestion is the best to consider.
The most important thing to do is pay the mortgage if you can, as this will keep things in your control. The mortgage lenders will help you stay where you are, as they would rather have regular payments than a property to sell with all the bad publicity it brings. If as you suspect he has other debts, these will be his sole responsibility. As far as these are concerned the companies involved may well refer the debts to a collection agency who may apply for a CCJ. Once this has been done if payments are not acceptable or not regularly made they may ask for a "charging order" against his share of the property. This would only come into effect once the property is sold. Provided the mortgage is paid they cannot force you to sell, as these debts are not secured against the property. |
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We didn't know anything about it till October, because all prior mail about it, had gone "missing" We only found out because he happened to be out that one day, when the mail arrived, which had the letter about the prior two missing/late payments. Gonna upload a floor plan of our home, so I can explain what's been going on prior to September of last year. My uncle spends all morning (8am till the post arrives) in the Lounge at the front of the house During August to November time, he would actually stand in the bay window waiting for the post man/girl to come down our street and when they were 2-3 doors away, he would wait in the porch way for the post. Sometimes, I would say, 50% of the time, he would take random items out to his car parked outside, just so he could intercept the post before it even reached the house. We had no idea what was going on, he's always been odd (see other thread here about that) I spend most of my time in the rear bedroom (largest room), so, I can't see when the post is coming My dad is in the 2nd largest bedroom, so up until now, we hadn't made a point of getting the mail first, especially considering it could arrive anywhere between 9am and 1pm. My dad's repositioned his computer desk so he can see who's coming down the road, so he now gets the post. I spoke twice to the mortgage company on the phone and they assured me, by law, every month the mortgage payment is in arrears, a letter is sent out, we only received one (The one when my uncle was out at the time) We also should've received two updated statements, at my request, but again, they dissapeared to. Uncle was confronted, he claims he has no idea what happened to them, nor has he seen any statements or mortgage related items. So, with that said, I'm going to call them first thing on Monday as you suggested Maggy to make an appointment at our local branch. |
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Santander are absolutely useless.
Called them up, explained that we didn't have any mortgage reference numbers/details, as we'd had a fire in our office/garage, so we were told to go to our local branch, with proof of ID, to get details from there Went to the Goring branch today, was told, sorry, we can't give you any details here, you need to call this number. So we go home, call the number (different to the original one) and was told exactly the same thing (Go back to the branch) |
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This doesn't make any sense at all. I can never remember what my mortgage account number is, they just ask me a few security questions and Bob's your uncle (no pun intended ;)).
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Heh yea, they're useless, we've always had problems with them.
The woman we saw today couldn't have been more uninterested in helping us if she tried. |
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I always liked dealing with Abbey but since they were taken over by Santander they have become the absolute pits in money grabbing attitudes that I never observed when they were Abbey.Sandander want to spend less on those stupid Lego ads.
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They haven't been to bad with us, I mean, the mortgage hasn't been paid properly since August of last year, because of my uncle.
We had a letter yesterday with our current arrears, he's failed to pay the last two months as well, so it's now upto £3000 House is going on the market next week. |
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Did you make provision for the distribution of the sale proceeds in the original purchase agreement as it may be that the equity now may have to be split equally between the three of you on sale of the property Does Santander have a Head Office Arrears Department as nowadays the bulk of mortgage arrears administration is carried out in an admin/head office. location. Speak to them immediately, the branches are no more than shops so the staff get no credit for helping hence the total disinterest. |
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Worth posting your situation on Money Saving Expert. There are many people who would be able to advise on your situation - even solicitors pop in from time to time.
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Cheers, I might do just that.
I Still don't understand how he isn't able to pay the mortgage, he gets a pension of over £1000 a month from Lloyds and a private pension which is over £400 from another company. Plus he works "cash in hand" with take away delivery companies, sometimes as much as 40 hours a week, all untaxed (Half tempted to report him, to be honest). |
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Heh yea, I may do so, especially considering he's claiming benefits (disability/ESA) now, since his "angina attack" and claims he can't work.
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Quite right
I probably wouldn't have cared if he were still paying the mortgage, but considering he hasn't in 6 months and has ruined all our credit ratings, I've decided to report him for tax evasion and benefit fraud, so we'll see how that goes. |
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This thread has reappeared three months on from your last update. Where have you got to with the mortgage arrears now? Is everything back up to date?
I don't know how these things work, but if you dob your useless uncle in to the authorities, it might be worth going to Experian or whoever and asking them to reconsider your credit score, using uncle's inevitable kicking at the hands of the authorities as evidence? ---------- Post added at 12:20 ---------- Previous post was at 12:19 ---------- /sudden thought Might your garage fire have been a dim-witted attempt at burning evidence? |
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This thread has the potential of Smicer-like proportions :erm: |
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The Saga of Smicer's House ... crumbs, there's an epic blast from the past. :spin:
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Not sure about the garage, but he did claim almost £4000 from the insurance company for the damaged goods inside.
I wouldn't be surprised if he started it then went out to do his take away deliveries. The mortgage arrears are higher than they were, because he hasn't been paying the mortgage at all, let alone the agreed £50 a month to lower the arrears. Which is why we have no option but to sell, there's enough equity in the house to pay off said arrears, as the mortgage was for £140,000 and the house cost £180,000 (40k deposit) |
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Some of you may remember I mentioned letters going missing at the end of 2010, I just found an unopened mortgage letter addressed to all three of us in the garage, stashed in his book case about the failed direct debit payments and the arrears going up.
And yet, when we confronted him in December about the three letters they sent out, never arriving, he said he knew nothing about them. Isn't it wonderful how some family members treat others? |
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Have you confronted him again yet?
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Heh, not yet, he's out doing take away stuff right now.
Only just found it. |
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Would make sure he cannot snatch the letter off you.
Now you will be able to visit Santander to get the details as you have the account number etc. |
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I scan all letters into digital format just incase.
But in all honesty, what the heck can you say? You can yell and scream at him for lying, but it won't change anything. |
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Typical royal mail, I redirected my mail to my mother's house, but Royal mail isn't checking the names properly, so 3 letters for my uncle, also went to her house.
That'll be interesting to explain. |
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How about:
"Yes. I'm redirecting my mail to my mum's house because I don't trust you to leave it alone. If that means some of your stuff ends up down there as well, that's just tough. At least you know I'll give it to you when I pick it up, rather than hiding it in the garage." ;) |
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If you don't want to let him know the post is going to your mums (as he may undo the redirection) just say it was delivered to a neighbour and they have only just dropped it round.
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LOL Chris, thanks for that.
That's exactly what I was thinking of saying. By the way, does anyone here know much about health and safety? namely, to do with dust/dirt? My uncle has a cat, which he keeps in his bedroom, which comes and goes as it pleases through his window. The uncle has never cleaned his room since moving here, so, 4-5 years of dirt/grime is in his room, so you can imagine how disgusting it is Additionally, the cat has urinated on his bed at least 20 times during the last 4 years and each time, he's never changed the duvet or mattress. Interestingly, myself and my dad always seem to be ill, mostly cold like symtoms and skin issues, so I'm wondering if there's something in his room, probably festering in the urine drenched mattress, that's making us ill? A week ago for instance, his cat did it again, he came home, noticed the wet duvet/mattress, threw the cat out of the window and slept in said duvet/mattress, he didn't even wash or clean either. A couple of days later, the same thing happened again, this time, he put the duvet cover and all four pillows outside in the sun, to dry (Without cleaning them) Surely that can't be healthy? for any of us? heh |
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He sounds disgusting!!! https://www.cableforum.co.uk/images/...2011/04/10.gif
I wouldn't be surprised if the dust and dirt that he must spread about the house every time he ventures from his room didn't trigger some form of allergic reaction which could certainly cause some of your symptoms, I know that my husband's asthma would certainly be triggered if he lived in a house under those conditions. Maybe it would be as well to keep an eye open for fleas and bed bugs considering how he lives. I would also be very wary of preparing food in any location that he uses as he doesn't seem to have even a basic concept of hygiene. Off to have a wash. |
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Adam ... sorry if this is too personal, but is your uncle ok? I mean, are there learning issues or anything like that? I'm just wondering where he's going to live after you and your dad manage to break free and whether he's going to get any support ... this may be furthest from your mind just now, but it does begin to sound as if he may need some sort of assistance.
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Heh, yea it is disgusting
I took pictures of his room a couple of months ago, as he left the door open because my dad wanted to paint it. http://dresch.co.uk/resized/ In the first picture you can see all that white gravel stuff on the floor, that's cat litter, it's been there for about 6 months now. I wish I'd have taken a picture of the carpet along side his bed, you can see the carpet colour/pattern in the first picture, but along side his bed, it's black, that's how dirty/disgusting it is. |
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Surely you should be able to get a court order to kick him out of the property due to his behaviour.
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I'm gonna write out a long post here, so bare with me, mostly because I need to, as this situation is pushing me over the edge.
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I'm no doctor, but I believe he has Asperger syndrome. Some of the main clues for it include Quote:
Brighton and hove football club/football in general. I wouldn't like to guess, but he has probably in excess of 500 books on football He has about 200+ large file folders stuffed with news paper clippings about brighton and hove football club He has, or HAD (before the garage mysteriously caught fire) hundreds of brighton/hove football club memorabilia items (Badges, flags, posters, photos, news paper clippings) He has (we believe) two secure storage containers in the town centre full of junk, most of it burnt, or water damaged and they're both full of rubbish like what's in our garage. one-sided verbosity (It means that a person's conversations tend to be more like monologues (often about obsessive interests) instead of dialogues.) When he talks to people, it's always the same type of conversation, it's always about his take away job, his "partner's" family or an accident he's witnessed while on the road. He's like an old war veteran who keeps reliving the past, I can't tell you how many times I've heard the same stories from him in 5 years. physical clumsiness There's so many examples of this, I don't even know where to start. He decides to spray the small shed in our garden with preservative When he's finished, there's more preservative on the ground and surrounding buildings than there is on the shed. He breaks and/or loses pretty much anything he touches He's broken two internal door handles, he's lost three sets of backdoor keys, three garage keys, four shed keys and two front door keys. He's broken his brand new LCD TV because he's so clumsy, but claims "someone broke my TV". He broke my microwave, my digital camera, lost my ADSL2 router He steals people's tolietries (Three of my dad's soaps went "missing" in four weeks) He's spilt or splashed printer ink in the garage at least 10 times (No, I'm not kidding) He moved his computer into the lounge once, as the roof was leaking in the garage, he spilt ink on both door mats and on the lounge carpet. Honestly the list just goes on and on, heh. |
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Oh yea, he does 5 full loads of washing a week. (But I'd hazard a guess, 90% of those clothes, he hasn't worn that week)
The oxi action pot doesn't have powder in it, there's about 10 or more of those pots in the garage and shed, they all contain either pencils, or pens. |
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Hi Adam
as much as i have every sympathy for u and ur dad, there a ways and means to get the support all 3 of u need at this difficult time. The first is a try to obtain a gp referral to psych services to assess if and wat is actually goin on with ur uncle, if mental health issues are found the report can and will suspend any action the morgage company will take giving u time to sort out the arrears on the morgage. It will also provide support either medical or social/environmental for ur uncle. I also dont think its appropriate for u to post pictures of ur uncles bedroom onto the internet, this is his private domain, yes i agree that u seem to be in a no win situation, but u have to go through the right channels to get a resolution to the problem and while i can understand ur frustration and now the horror of loosing ur home, but it is wrong to post the pictures of his personal domain. Yes u need to vent ur frustration i understand that, but not to post pictures of his bedroom. Have u thought about approaching this from another angle, go to the gp urself, state how this is effecting u and ur dad, tell him that u are to become homeless , get as many professional ppl on ur side as possible, it all goes for u at the end of the day, if all are singing from the same song sheet then the morgage company cant ignore, in these bad financial times, the morgage company want their money, they dont want u to sell ur house as they will loose money, they want u to stay put. How about a transfer of ownership where u and ur dad are responsible for the payments with an extra monthly sum to pay off the arrears, if they go for reposession, the courts will look at ur case indepth, and if u have evidence of ur uncles behaviour, logged records, and reports from say ur gp, that will go in ur favour. U need to gather as much evidence as possible as a turn around is possible at the 11th hour, but u need facts, not his said this, he done that, keep a log, write how many letters u recieve, write about his bizzare behaviour daily etc and also state how its effecting u and ur dad, this will also support u in the application for social housing should the need arise as u have not made urself intentionally homeless. Sorry for the long post, i just think this is a very sad situation to be in and i cant even comprehend wat u all must be going through, but u must go down every avenue possible, the legal route will only work if u have enough evidence, ie, social work reports, mental health/gp reports to back up wat u are saying about ur uncle, and if indeed u do get a diagnosis to support ur uncles behaviour then again this will go in ur favour. Juliex |
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I did say the house is going up for sale, thus, there would've been A picture of his room on the internet anyways, with ALOT more viewers than if I posted it here.;) Quote:
I appreciate the reply though. |
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House is now on the market, they didn't include the photo of my uncle's room, due to how bad it looked, heh
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Serious point to consider: The state of his room is likely to have a material impact on your ability to sell, and the price you get for it. Especially if it smells as bad as it looks. Consider throwing him out for a weekend and fumigating the place.
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I agree, but how?
I can't just say, please leave, you and your room stink! hehe |
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Heh, wish I could.
Doesn't help that he's managed to rip the door handle fascia off his door today, either. :( |
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If you can afford to take the hit on the likely sale value, that's all well and good. But it's possible that room, if it's bad enough, might render the place unsaleable, especially in the current buyer's market.
You need to fix things like broken handles and tidy up any other similar damage. These can all amount to offers being £1,000s lower than you would like. |
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My dad will be the one taking the hit, if it doesn't sell for 205k or more, because he's the one who put the deposit down.
I dread to think what his room is really like, given that we can see two large snails in his bedroom window. |
Re: Need some housing advice.
Well, confronting the uncle turned very hostile, very quickly
My dad confronted him about a phone call he got from Vodafone saying my uncle's account would be suspended, because he had a large debt. Also told him the estate agent said his room was filthy and couldn't be photographed. I walked into the conversation when he said "I clean, it's the cat's fault, it's not my fault", so I TRIED to say, you've only cleaned three times in 5 years, but I couldn't even say that, as he shouted over me with "I DONT TALK TO YOU, BECAUSE YOU DONT TALK TO ME!" Then stormed outside and hid in the garage He came back in and started talking to my dad again, saying he doesn't care that he broke my camera or my microwave, because "someone" had knocked over his TV and broken it (He claims someone came round to investigate the TV) So again I tried to confront him, as he was in my dad's bedroom, he couldn't escape so easily He kept on about his TV being broken by someone and them not having the "balls" to own up to it. Said he didn't know he broke the microwave, but didn't care Went on about the loan he gave me 5 years ago, which he claims was £6000 (It was £3600) and how he's going to check with Lloyds (his bank) for records. When I pointed out that I don't talk to him because he ruined my credit without an apology and lied about the letters, he brought up the above loan saying I would've had a ruined credit anyways if I didn't get that loan from him (ehhh?) At which point he repeated the loud shouting of "I DONT TALK TO YOU, BECAUSE YOU'RE AN ASSHOLE!", then pushed me aside, almost broke my arm and he stormed out and drove off. (I Stand corrected, he's sitting in his car outside, hehe) |
Re: Need some housing advice.
Quick, lock the front door and attack his room with a hoover and a bottle of something highly corrosive ...
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Re: Need some housing advice.
Heh, I wish
Well his "partner" has shown up, he got out of the car, clutching his right arm and was hobbling. Which probably means he's having angina related pain, or so he claims. They've driven off, probably to the hospital. |
Re: Need some housing advice.
Have you tried going to your local Citizens Advice centre?
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Re: Need some housing advice.
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Re: Need some housing advice.
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Re: Need some housing advice.
Well he was obviously very ill, because he came back, unaided and has gone off to do his take away deliveries for 6 hours.
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Re: Need some housing advice.
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My dad is going to ask him to move out, tomorrow We're going to say to him, if you agree to move out, we'll remortgage the house (or try to) in our two names and my dad's new girlfriend will pick up his share of the mortgage and move in. He'll have 2 months to move out and 6 months of free storage in our garage. We'll handle the arrears he's racked up. Hopefully that'll be enough incentive for him to leave, as it seems more than generous (perhaps to generous) IF he is here after 2 months is up, I assume we can have him removed forcibly? (Sure hope so, because I will be the first one calling the police if he doesn't leave!) Oh and I took a look at his TV he claims "we" knocked over, see the link below: http://dresch.co.uk/resized/PICT0052.jpg He claims we knocked the TV over and it hit the clock you see in front of it. At the top left you can see two white marks, those feel/look like scratches. If that were true, wouldn't the clock have damaged the centre/bottom part of the tv? heh It's not the first time he's broken something of his, or ours, then claimed ignorance or that someone else has done it. |
Re: Need some housing advice.
Uncle has agreed to move out
All we need to do now is remortgage. |
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Re: Need some housing advice.
Quite, we're going to the mortgage company Tuesday, if they approve of the plan, then to the solicitor.
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Re: Need some housing advice.
This is better than Eastenders :)
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Re: Need some housing advice.
I was to optimistic it seems.
They won't let us remortgage and it's highly unlikely that they'll allow us to switch to an interest only mortgage. I must admit, sometimes I wish I didn't wake up in the mornings with how things are going right now. |
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