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Thread | I know it's still early days...
at 13:58 27 Jun 2025
...but this summer has been a bit meh for an ITFC fan, so far!
I hope things pick up soon. I'm bored, and could do with a signing to perk up my mood a bit. Come on Ashton, pull ya finger out! |
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Thread | More house buying woes - Any advice would be appreicaited!
at 14:31 16 Jun 2025
Sorry, this is going to be a long read! I posted on her previously concerning getting outbid on a property as FTBs, and the pain it had caused. We since found somewhere else theat we really liked (we haven't allowed ourselves to fall in love after our previous experience though!)
We're pretty far down the line with our purchase. Exchange could well be on the horizon soon as the vendor has messaged me to see how we're doing (not confirmed, but I suspect they're ready to plan exchange on their purchase), and we now need to make the decision on whether to go ahead or not.
Things started off nice and smoothly but survey results and local authority search came back at the beginning of last week, and we started to panic. No planning or building regs for a porch rear extension and structural wall removal in the kitchen. I asked our surveyor to pay attention to these, as even before we had received the search results, we had already asked our solicitor to raise enquiries regarding the works because they had filled in that there were no alterations on the TA6! These enquiries were not answered straight away compared to most of the other initial enquiries. This is where we first started to feel a little skittish.Our solicitor stated it probably the case that they didn't get planning/regs and that they were probably going to offer an indemnity, which is not totally unusual.
Survey time - The vendors told our surveyor that the work on the extension (now starting to be referred to as a lean to!) in 2000 and the porch in 2002. There was no date given for the removal of the kitchen wall. The surveyor obviously wouldn't commit too much on the works as he can't see the buried work, but he was otherwise positive about the standard of what he could see. He even stating that the lack of paperwork probably wouldn't put him off if he was purchasing it himself, and commented along the same line as our solicitor, that this is more common than most people think.
We got the local authority search back about a day later, which showed no planning has been applied for for anything and that nothing was showing building regs-wise, since a boiler replacement in 2014, when it was still a council owned property. All this started to raise my Spidey senses, and I decided to go back through paperwork and do some more investigating. I then spotted something else in the TA6 that didn't occur to me, as at the point of recieving the TA6 we'd only had our initial viewing with the EA. We went for a second viewing and the vendor and her partner facilitated this viewing. The TA6 stated she was alone in the property but the partner told us he's been living there with her for 20+ years. Our solicitor said that they'd raise an enquiry for confirmation that all tenants would leave the property at completion but more distrust starting to form!
I started to ponder more and thought, I could possibly believe the extension had been in place since 2000, but the porch looked too modern to be 23 years old. So I then thought I'd take to Google Earth to study when these structures became apparent. The extension appears on Google Earth sometimes around 2017-18 and the porch is seemingly built in 2021! Jeez, distrust level is now defcon 5! After speaking with the surveyor and solicitor they calmed us down and kept pushing the line that this is common and the solicitor didn't seem to be too fussed about the lies, stating that work is "set to structure after 10 years" meaning the authorities are extremely unlikely to chase any retrospective planning/regs. Solicitor said they'd understand if we'd lost trust in the vendor and wanted to pull out but that they didn't feel it added much more risk to us. We started to think that it must just be FTB nervousness kicking in and we should just carry on as we really like the house.
Fast forward to today. Vendor messages to inform their solicitor has replied to all enquiries raised and that they're just waiting on our end. Our solicitor then sent us through the answers they'd been provided with. They' ve claimed again that work was done in 2000 and 2002, and that planning was not required, no answer to building regs sign off. Our solicitor has gone back again asking for evidence that planning/building regs are not required. Not only that , the last straw that's kind of pushed us back into complete distrust and on the verge of pulling the pin again. The vendor has pushed back and refused to even get an indemnity policy to cover their failings.
We also requested our broker to check for rates with our lender this weekend, which are now a bit better, so our broker has said he'll ask the lender to sort this. I have told the vendor this and informed them that it could be a couple of weeks for this to be sorted. That means we have a bit of thinking time at least.
We're really unsure where to go with this now. Our solicitor provided a quote for the indemnity and has asked if we want to buy the cover. It's £115, so nothing in the grand scheme of things but it's more the principle of it than the cost. They fcked up, they lied and now they want us to pay to cover that fck up.
Are we being FTB faries again and do we need to wind our necks in? Or should we run for the hills? As I previously mentioned we really like the property, there hasn't been anything come to market since that is as suitable, and the properties we bid on before this we were priced out of the bidding rather quickly. Head is thinking there are too many reg flags here, but heart is saying the advice so far has been that they're nothing to be too flustered by and that we like the place so binning it off for lies that would likely not effect us too much and a fairly cheap indemnity.
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Thread | Davis
at 12:14 22 May 2025
Despite how phenomenal he was last time in the Championship and how sad I'd be to see him go, I can't help but think that it may be better on the whole for the team if he moves on. His defensive qualities are just not good enough for us in the Premier League. I'm not saying he is not good enough for the Prem, just that the midfield/defence around him needs to be of much better quality than we have.
I think the balance of having someone slightly better defensively and not looking to try and move too far up the pitch, leaving gaping holes for the forward machines/steam trains to exploit, will be much better for the team.
Of course, this would also all depend on us finding a decent replacement for him. [Post edited 22 May 12:15]
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Thread | W*nkety w*nk
at 16:26 18 May 2025
Chequebook and pen |
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Thread | Bah
at 16:56 10 May 2025
Yet another game ends with me just wishing the season would end already! |
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Thread | Where is VAR for a clear dangerous overhead!
at 16:32 10 May 2025
Not saying I agree that it should be a straight red but every single challenge we make in the box seems to have been looked at by VAR today, but a clearly dangerous challenge? Na mate, as you were! [Post edited 10 May 16:35]
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Thread | Same old same old
at 15:58 10 May 2025
Largely competitive, without creating anything definitive. Then conceding softly from a set piece.
Ensico and Hutchinson have been impressive, but the support from midfield has not been good enough. Sam has been combative and played okay on the whole but Taylor has been poor. I'm not entirely sure what the question is, but I definitely know the answer is not Taylor! I really hope we're not relying on him next season. Last season was probably his rightful place in the squad. He is nothing other than a Championship level back up, for me. I don't want to come off as digging him out, it's really not his fault we're down to the bare bones and mainly just highlights how crap our luck with injuries has been this season.
Anyway, let's hope for a good response 2nd half. Give the fantastic support in the ground something to cheer about. COYB! |
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Thread | Xabi Alonso
at 13:17 9 May 2025
I see he's leaving Bayer Leverkusen. I take it he's leaving them to join the scum. |
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Thread | Well done boys
at 17:03 3 May 2025
Tore up the season script today to fight back for a deserved result! |
| | tonybied
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