commodity trading

I'm 5 weeks pregnant and I'm freaking out over our living situation. I don't know what to do?

Posted under Sell and Rent Back by admin on Friday 9 April 2010 at 2:20 pm

I’m 5 weeks pregnant and I should be over the moon. I’m 25 and I’ve been married over a year (together 10 years). We both have good jobs and a decent amount of savings in the bank. Although my husband doesn’t earn loads of money (about £28k) we could pay our bills if I chose not to go back to work for a couple of years or if I decided to work part time (which I probably will). However, we seem to be totally and utterly trapped in our one-bedroom flat. We’re in negative equity (about £30k). When we found out I was pregnant we got an estate agent round to value the flat because we thought there is no harm in putting it on the market to see what offers we could get. But he pretty much refused to sell it for us telling us it would be virtually impossible and it was a bad idea because of the shortfall! He advised us to rent the flat out for a few years but the rental value wouldn’t even cover the mortgage now, let alone if and when interest rates go up. There are also so many flats to rent in our area, I think we will struggle to even get a tenant and there is no way we could pay the mortgage and pay the rent on somewhere for us to live. Even if I went back to work full time in the job i do now, by the time I paid childcare costs and the rent, we would hav eno money left over and I couldn’t bare to put a baby into child care when it’s only a few months old. Short of raising our baby in a one bedroom flat and sleeping on a sofa bed for the foreseeable future, I don’t know what to do. I’m not sleeping or anything. I just feel like this should be the happiest time of my life but instead it is turning into a nightmare.

Landlord question about leaving the property?

Posted under Sell and Rent Back by admin on Wednesday 7 April 2010 at 9:31 am

My tenent has rented my house now for almost a year. I initially rented it as a 6 month tenancy agreement because I planned to sell it after repairing it after the previous tenents wrecked it.

I basically did it as a favour and rather it go empty I thought it easier to have someone in it basically paying the mortgage.

It is a 17 (now 18) year old single mum. A while ago I put it up for sale and she started looking for somewhere else to move to and asked for her bond money back (1 months rent) which I told her she would have to repair things that had been broken or damaged etc inside the house while she was living there to the standard when she moved in. Bearing in mind its had new carpets throughout and has been completely redecorated for her with no cash of hers. She then refused one of the repairs in particular which was the kitchen floor. When she moved in her washer broke and flooded the kitchen floor and I basically went out and called an (emergency) plumber out to fix it and she never paid him I had to. Now when she refused to go half cost on the repair of the floor (bearing in mind I volunteered to buy the flooring which I have and is currently paid for awaiting fitting) she on the other hand went to the citizens advice then threatened to take me to court. I suspect it was for non payment of bond (which I never refused to pay her in the first place) but no wanting the hassle and\or court costs over about £100 worth of repairs I told her to forget about it. I served her notice when she threatened to take me to court (which was back in October) and when I said I’d pay the flooring costs I also said that if she hasn’t found anywhere to move to she could stay on a monthly periodic tenancy month on month basis (bearing in mind I still wanted to sell). Which she agreed to and has now lived there up until yesterday.

So yesterday she called me and said she was moving out in the next 10 days. Which I replied and said I need a months notice (like I gave her). She then argued that because I’d served her notice she didn’t have to give any (obviously just because it suits her needs) and that because she didn’t have a current tenancy agreement that she didn’t need to abide by the notice period. She also asked (again) for her bond money before she moved out to which I replied no you get it after you move out. She then said she’s going to citizens advice (again) and she’d get back to me.

So my questions are, am I in the right here or what? I’ve been nothing but nice to this tenant and all she’s done is cost me money and harassed me on the phone (I initially had her aunty call me and start arguing and shouting at me down the phone when she couldn’t get her own way about the repairs then her mother started texting me swearing and threatening me with court etc) and now just this weekend I’ve had 2 calls off her yesterday and 1 today and also her dad calling me arguing her case!!!

Also my final questions is I can see whats coming next it’ll be the advice of a parent or relative who’ll say (yet again) to threaten me with court to get her own way.. Which I’m beginning to get annoyed with to the point where I feel like saying okay lets go to court and I’ll be filing for harassment at the same time.

NB: She also never pays her rent on time and is always late she owes me money from last month even now!

HELP!
It was an assured shorthold tenancy for 6 months originally yes. What do you mean squatter?
Also I was reading this article before I posted:

Fixed Term & Periodic Tenancies
Tenancies usually start with an agreed fixed-term, (for example 6 or 12 months) during which time both parties are contractually bound – the tenant to pay rent for the full term, and the landlord to allow the tenant exclusive possession and quiet enjoyment.

Once the fixed-term of a tenancy has expired, however, unless a new fixed-term is agreed, all tenancies automatically become periodic tenancies. These are based on the rent payment period – weekly or monthly etc. The periodic tenancy can thus continue on until one side, landlord or tenant, gives notice.

At the end of the fixed-term, the tenant can leave, but if he or she stays on there is no legal requirement for either party to do anything at all – the tenancy can continue on indefinitely on a periodic basis and on exactly the same terms as the original agreement, which still fully apply.

Is there a way to get on the council list?

Posted under Sell and Rent Back by admin on Monday 5 April 2010 at 9:30 am

My wife and i had to sell our house for financial reasons we came out with no debt and enough to put a deposit on a private rent we been here about a year. we both work ,i have my son 20 yrs old live with us my daughter and her 6 yr old also live with us although she has a housing assosiation house but does not go back often as her partner took his own life. the council say that as we have no dependants and we are working we are not entitled to a concil house and never will be.We are late fortiesworked hard all our lifes and instead of easier its getting harder can anyone sgest a way to get a council house please we live in the peterborough area east anglia uk thankyou

ex wife refused to sell house, lets rooms out without my permission, they wont leave?

Posted under Sell and Rent Back by admin on Saturday 3 April 2010 at 2:20 pm

My friend without the internet is in need of advice, This is also in the UK
he has been seperated from his wife 3 yrs, ( not lived in the house 3 yrs either ) nearly divorced, originally refused to sell the house they bought together when together, she then let some of the rooms to rent, but didnt seek his permission, or permission from the mortgage company, so they are there illegally, they have no contract and no rent books, He has always objected to this and been in touch with solicitors who didnt help him much, as she refused to answer her own solicitor, Now she is in Hospital with depression, and has agreed to sell the house once and for all. My friend has been to his house and gave the persons 4 weeks notice but they are refusing to acknowledge his request, His ex wife is fully backing his going round to ask them to leave as its a little part of why she ended up in hospital, She wants to sell the house as much as he does and move on.

baby father gives me nothing but grief?

Posted under Sell and Rent Back by admin on Thursday 1 April 2010 at 9:45 am

Hi my son is now 7 months old. I have not been with the father since I was 2 months pregnant. No matter how many times we have a discussion about our son. It ends up in arguments. It all started when I was preganant and I soon realised this man was not all he was cracked up to be. Firstly he told me he couldnt have children due to his epilepsy medication. Im pregnant 6 months into our relationship. We soon broke up but I thought I’d give it another go with him for the sake of the child. It didnt work out he was out with his friend all the time getting into fights, he didn’t pay his rent on 2 places, he was going from job to job, he was getting small loans and not paying them back he even sold a phone on ebay which didnt exist. once broken up i used to text him and he wouldnt answer my texts saying he didnt do text msg’s. He was saying he will support the baby, he wants to be a hands on father, he wants his child every weekend and will not miss seeing his child grow up. Once Jake was born, he would keep calling me and texting me saying he wants to take him for the weekend at this time he moved into his sisters place which is over an hours car journey away, (he doesn’t drive) I kept trying to explain that Jake is too small, i’m trying to get him in a routine. I stopped answering his phone calls and texts, cos it was hassling me all the time, I was trying to cope with being a new mum. I didnt put him on the birth certificate as It didnt feel right giving him parental responsibility looking at his past history. This really upset the dad, I had my reasons and its my legal right to not put him on the birth cert I tried to explain that I didnt know him well enough. He didnt pay any maintance for the first 8 weeks but the demands still kept coming. He also only used to come visit jake every 2-3 weeks. Eventually after 5 months bits of money here and there and him buying shopping now again and seeing Jake occasionally we both sat down I said to him to start coming over once a week and also set up a standing order for Jake. I was going on holiday for 3 weeks and wanted it sorted for when I come back. I get back and again no Standing order set up , but now dad was coming over once a week and still giving me a bit of cash here and there. 2 times he has asked me to go meet him with Jake. Now when I have to meet him, he keeps texting me where am I? what time will I be there?, even though I’ve already told him. On fathers day I was supposed to go to him but my batt broke on my car and time i got it fixed it was too late to drive over. he didnt believe me and i got a barrage of texts saying that I done it on purpose and come over even tho its a 2hr round trip to see Jake for half hour!!! the following week he wanted me to get on a train with Jake and just go off and do someting for a couple of hours while he was with our son , Jake. I said no, if he wants to see him he can come to my house. He has now moved but its still and hour and half train journey to get to him. As it happens my boss called a meeting with me so I said to the father that I can come meet him and he can take Jake for a couple of hours whilst at the meeting. this was on the Tuesday. So I said I wont know until Thursday what time I can meet you. I had 5 text msg saying the same thing what time, when you gona meet me between tues and thurs. Even to I said I wont know. It comes to Thursady there is a text from the father 7 am wher are you what time you meeting me grrrrrr!!!! the meeting was cancelled I eneded up getting a barrage of msgs again. the next day I had my meeting I was late getting to meet the father, he went mad at me he had text 5 times and called me 4 times. I was driving thats why I didnt answer, he didnt want to listen to any of my "excuses" and walked off with Jake. He has been late many a time and changed the days he is seeing Jake I have never said anything about it. I’m now thinking I should go see a solicitor as anything I say he wont listen, even though its what I believe is in Jakes interest. does anyone have some advice for me? he is wearing me down to the point i’m on the verge of tears everynite. I’m a single mum who lives with my mum. She doesnt want him to come round to the house anymore so this is getting even harder
No matter how many times we have come to an agreement it is always broken by him doing or saying someting stupid.
Everyting he does is to wind me up somehow, he says I just know it winds you up… so why do it then? he creates obstacles all the time especially when it comes to setting up this standing order. I think it shows commitment. He thinks that it should only be paid when he sees his son. He says he has done everything that he should be doing and that I’m the one that is being difficult. He thinks that he is the holier than thou person in all this. I’m sure he just enjoys the conflict to be fair. Why else would we be going back to square one all the time? It’s driving me mad and I want it nipped in

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