mullethunter Posted February 3, 2015 Share Posted February 3, 2015 As some of you know I am house buying (yes, still ongoing!). We, the seller and our solicitor were all ready to exchange last Friday (deposit, insurance etc all in place), when our solicitor received a load of petty enquiries from Countrywide on behalf of HSBC (our lender). HSBC had told me everything was in place and they are just waiting for a completion date, but apparently this is not the case! Is there anything I can do to hurry this along? Who do I need to badger? SOOO frustrating Quote Link to comment Share on other sites More sharing options...
newcountrygirl Posted February 3, 2015 Share Posted February 3, 2015 what sort of enquiries? Quote Link to comment Share on other sites More sharing options...
chickencam Posted February 4, 2015 Share Posted February 4, 2015 Is it a lease hold or freehold? Lease hold has way more paperwork as do shared ownership and anything old or converted. Properties that are joined onto others with some parts over the adjoining properties which is called a flying freehold also can cause issues. HSBC seem to getting something of a reputation for being very picky and slow. Quote Link to comment Share on other sites More sharing options...
mullethunter Posted February 4, 2015 Author Share Posted February 4, 2015 It's freehold. They're asking for documents that don't exist such as completion certificates for cavity wall insulation and boiler installation. And proof that no wind farms will be built near enough to affect value (it's a residential area with nowhere to put one!). Every day there seems to be a new query! Quote Link to comment Share on other sites More sharing options...
newcountrygirl Posted February 4, 2015 Share Posted February 4, 2015 Is it a fairly new property? If so - they will ask for certificates for the boiler and cavity wall insulation if it is stated as having it. The lenders are all getting more picky about these sort of things now. Same with any new electrical work or gas work and any new windows. I would be nagging my solicitor - to nag the vendors solicitors for these stating that they are holding up exchange and completion. (speaking as a former Estate Agent) Quote Link to comment Share on other sites More sharing options...
mullethunter Posted February 4, 2015 Author Share Posted February 4, 2015 Its a 1950s bungalow. The boiler was installed at least 15 years ago and probably didn't have a cert, our solicitor told us that cavity wall insulation never does... Now HSBC have managed to mess up our offer acceptance too... Quote Link to comment Share on other sites More sharing options...
Lavenders_Blue Posted February 4, 2015 Share Posted February 4, 2015 I share your frustration. I'm also in the process of buying a house and it's taking f-o-r-e-v-e-r. I made an offer on the house at the end of October and it's still all dawdling along although I'm hopeful that contracts are going to exchange soon. No helpful advice I'm afraid, but lots of sympathy! Quote Link to comment Share on other sites More sharing options...
Grandmashazzie Posted February 4, 2015 Share Posted February 4, 2015 Having just sold we had to produce a certificate for our boiler.I had to get plumber out to do inspection and service.He discovered it didn't have an earth so had to get electrician out.Thankfully they never queried cavity walls.Also we had had a bit of work done and the builder didn't get building control out,we knew nothing about this until other sides solicitor asked for it.Again this had to be got otherwise the buyers said they would pull out of sale.It is so stressful until the money changes hands and deal is done.We sold in 3 weeks and it was fine until about 2 weeks before completion then all these problems surfaced. Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted February 4, 2015 Share Posted February 4, 2015 Keep chivvying! With the exception of any Omleteers, convenyancing solicitors are like wheel barrows; if you stop pushing them, they will be in the same place when you go back Those requests are standard, they just don't know that they don't apply to your property. They should really get their act together and tender one request for all the information, not drip feed it to you; that is poor practice. Quote Link to comment Share on other sites More sharing options...
Redwing Posted February 5, 2015 Share Posted February 5, 2015 Its a 1950s bungalow. The boiler was installed at least 15 years ago and probably didn't have a cert, our solicitor told us that cavity wall insulation never does... We had the same thing happen with the windows and cavity wall certification The vendor did not have these so we pushed the solicitors ahead which they accepted providing we realised that when WE come to sell the house we may get the same problem and be asked to produce them Quote Link to comment Share on other sites More sharing options...
newcountrygirl Posted February 5, 2015 Share Posted February 5, 2015 it is so horrible. Lenders and Solicitors seem to have a pace of their own. I would keep the pressure on your solicitors and the vendors solicitors. I have always found when dealing with them that the ones who are relentless in the contact with them get the best results. Remember your solicitor is acting for you and you are paying him for the privilege.Good luck - hope it is all resolved soon. Quote Link to comment Share on other sites More sharing options...
mullethunter Posted February 5, 2015 Author Share Posted February 5, 2015 Thank you all. Sounds like the answer is just to keep ringing them up then. Hopefully we aren't actually too far away now - I know the vendor wants to move at the beginning of March. Good luck Lavenders_blue. Hope yours gets resolved too. Quote Link to comment Share on other sites More sharing options...
