Sale Agreed, Mortgage Drawn Down and No Keys! (Old thread)

MammaMurphy

Just wondering whether any1 knows how long it takes to get mortgage approval from KBC Banks these days.
We are 2nd time buyers and have a property rented out for the next 10 years to the council.
We have applied 4 weeks today and have been told over and over again that we will hear within the next few days.
The banks have asked all there questions and we are still getting no answer from them.
Getting very frustrated at this stage
Any advice would be really appreciated.

Many thanks

lyno9235

I applied for a mortgage recently from various providers and got approval back in less than a week. KBC included.

MammaMurphy

Are you a second time buyer??
What % Rate did KBC offer you, do u mind me asking??

lyno9235

Yes I am a second time buyer and I'm sorry but I don't have the KBC rate off the top of my head because I decided to go with AIB as their rates are cheaper.

MammaMurphy

No problem thank you for your speedy reply, myself and my husband are so frsutrated at this time and just want an answer, aparently our application is waiting on a senior underwriter to look at it to make a decision.

We have our savings to go off a property and we even lost out on a house as the banks were taking to long to decide on whether to give it to us or not, and are still deciding! Only looking for 155,000! Hopefully we will hear from them soon.

lyno9235

Your situation sounds exactly like mine, was only looking for 150,000 and had a lot of savings also.

I understand the banks are very careful nowadays but I really cannot understand the delay in your case if you meet the criteria, have passed all the stress tests etc.

While you are waiting you should try AIB, BOI etc (if you haven't already). Explain your situation to them them and I would imagine they would have a quicker response.
I had my approval back from AIB in three days!

Dortilolma

I heard there is a backlog in PTSB meaning you could be waiting 3 weeks for an answer. Any one else hear this?

MammaMurphy

Can anyone help?
We have sale agreed on a Negative Equity House sale 6 weeks ago. Our solicitor drew down our cheque as we were supposed to sign the middle of June and we still havent closed or have any time of when we will be signing. Vendor removed all furniture from house last week!

Vendors solicitor has been telling our solicitor that they have been waiting on the funds and it all came to a head last week when we kept asking for news and they sent us an email saying that he still hasnt go loan approved! Which kicked us right down! So we are paying a mortgage on a property we dont have keys for!!

His Loan application is apparently with the Underwriters of BOI, how long does it take to make a decision on a loan @ shortfall (personal loan to cover his negative equity on mortgage)??????

we are getting frustrated now to say the least and are hoping that this will go through but when we dont know.

Any comments/advice much appreciated!!

listermint

MammaMurphy wrote: »

Can anyone help?
We have sale agreed on a Negative Equity House sale 6 weeks ago. Our solicitor drew down our cheque as we were supposed to sign the middle of June and we still havent closed or have any time of when we will be signing. Vendor removed all furniture from house last week!

Vendors solicitor has been telling our solicitor that they have been waiting on the funds and it all came to a head last week when we kept asking for news and they sent us an email saying that he still hasnt go loan approved! Which kicked us right down! So we are paying a mortgage on a property we dont have keys for!!

His Loan application is apparently with the Underwriters of BOI, how long does it take to make a decision on a loan @ shortfall (personal loan to cover his negative equity on mortgage)??????

we are getting frustrated now to say the least and are hoping that this will go through but when we dont know.

Any comments/advice much appreciated!!

Your solicitor (if they are good) should be handling all of this for you, and promptly. Ideally you shouldnt have drawn down until his financial side was all resolved. Why did you draw down ? Your solicitor appears to be incompetent tbh.

MammaMurphy

Solicitor drew down as we were supposidly closing on the 24th June 2013! As per the instructions of vendors solicitor saying that they were aiming to close 24th June!

Then all of a sudden vendors loan application is with underwriters!
That is now with them 6 weeks now at this stage!

listermint

MammaMurphy wrote: »

Solicitor drew down as we were supposidly closing on the 24th June 2013! As per the instructions of vendors solicitor saying that they were aiming to close 24th June!

Then all of a sudden vendors loan application is with underwriters!
That is now with them 6 weeks now at this stage!

Your solicitor should not have done that until he had all financial documents in hand. Id be taking it up with them to press for results and find out whats going on. Your paying them enough for their service so get on to them directly. Not their secretary.

seamus

Your solicitor has drawn down the funds but presumably is still holding onto them.

Speak to your solicitor, it's time to give this other couple 4 weeks notice of your intention to withdraw from the sale and apply penalties for their failure to close.

MammaMurphy

Our solicitor has given the vendors solicitor an email yesterday stating that we are sending back our cheque to the bank at the end of the week is no movement!

But realistically if we do send back our cheque to the bank it will be harder for us to draw down again when needed! I presume they will ask for savings again in which we dont have as we have paid for a new kitchen, floors, tiles, paint etc!

roro2

Potentially a nice little interest earner for your solicitor, he mightn't be in any rush to close now if he has your mortgage funds. "Aiming to close" is not reason enough to drawdown your mortgage.

However, if the bank issued a cheque, the solicitor may only have the uncashed chequed and not your actual mortgage funds. Interest may not actually be accruing in this case and your mortgage hasn't really been drawn down. This is often the case with BOI mortgages.

EDIT: It appears that your solicitor did just have the cheque. It shouldn't be a big deal to have the cheque re-issued, once your letter of offer hasn't expired.

MammaMurphy

Heres hoping!

No word from the vendors side since last wed!

Surely it doesnt take this long for underwriters to make a decision??

Marcusm

MammaMurphy wrote: »

Heres hoping!

No word from the vendors side since last wed!

Surely it doesnt take this long for underwriters to make a decision??

You should have refreshed your prior thread so people had all the background. I'm shocked that your solicitor still holds the money. I suspect, if it's got to this stage, that the sale may fail and you may need to look to your solicitor for compensation and may have to engage another solicitor. A vendor who gets to exchange without having his shortfall covered is one who is not in control of his finances. Your solicitor should have inquired of the vendor's solicitor as to funding the shortfall as soon as it became apparent; I have been the purchaser in 2 short sales of this type.

You are the one who is being failed here and I feel sorry for you. However, the vendor should not have been allowed to proceed this far, his solicitor has allowed him to enter a contract without the means to fulfil it. Incompetence and potential misconduct.

MammaMurphy

TBH our mortgage has kicked into place and came out on the 1st of July and is due to come out on the 1st August too and so on for the duration of our mortgage the same with our life insurance/house insurance!

We are getting really peeved off now at this stage and the vendors solicitor is getting NO timeframe from the bank when they will release the funds to the vendors bank.

so we are stuck in limbo now with paying a mortgage if we want to continue with the sale which is totally unfair to us.

I would really love to get some word from the banks as to when they are going to release his funds because as soon as they release them we can get the keys.

Getting totally irritated now and stressed out to bits and no1(solr or banks) seem to care how we are feeling!!

ted1

MammaMurphy wrote: »

I presume they will ask for savings again in which we dont have as we have paid for a new kitchen, floors, tiles, paint etc!

Everthing screams premature about this, why would you have paid for a kitchen etc, when you don't even have a house?

Is there a penalty clause in the contract, for not closing on the specifed date?

valleyoftheunos

Seems to me its the Vendor's solicitor who is at fault here. Admittedly the detail is scant but the vendor shouldn't have signed contracts when he did. the Purchaser may be able to claim damages for the delay.

MammaMurphy

We have paid for a kitchen as we were told we were closing on the 24th June and we were told that the vendor has all the relevant documentation signed up.

Then when we went to close the deal we were then told a load of lies and then last week were then told his loan application is now with the underwriters.

Our solicitor has not received the one part of the contract from the vendors solicitor to bind us into a sale which is making us very very anxious now about the whole sale!

We asked our Solr can we get a penalty clause and we were told NO as he has not returned the binding part of the contract!

Dont know what to do now!!!!

roro2

MammaMurphy wrote: »

Our solicitor has not received the one part of the contract from the vendors solicitor to bind us into a sale which is making us very very anxious now about the whole sale!

We asked our Solr can we get a penalty clause and we were told NO as he has not returned the binding part of the contract!

Therefore, your solicitor should never have drawn down the mortgage.

valleyoftheunos

MammaMurphy wrote: »

We have paid for a kitchen as we were told we were closing on the 24th June and we were told that the vendor has all the relevant documentation signed up.

Then when we went to close the deal we were then told a load of lies and then last week were then told his loan application is now with the underwriters.

Our solicitor has not received the one part of the contract from the vendors solicitor to bind us into a sale which is making us very very anxious now about the whole sale!

We asked our Solr can we get a penalty clause and we were told NO as he has not returned the binding part of the contract!

Dont know what to do now!!!!

If the other side hasn't signed contracts the mortgage shouldn't have been drawn down. OP There has been a big mistake made here by one or both Solicitors (most likely you're own it seems now). Get some explanations, go to the Law Society if necessary.

Mrs OBumble

MammaMurphy wrote: »

We have paid for a kitchen as we were told we were closing on the 24th June and we were told that the vendor has all the relevant documentation signed up.

Who did you pay, and where is the kitchen now?

MammaMurphy

I paid the money to Kitchen place and the kitchen is now on hold for delivery until we get the keys.

I am getting really upset and anxious now today as i havent had any response from vendors solicitors since last wednesday.

Surely it doesnt take more than a week to get response from his bank re: his LOAN!

Im hoping that he gets word from the Underwriter today because as far as i have been told he has everything left into the banks that they requested!!

Going to pull my hair out now at this stage!!!!!!!!!!!!!

ABajaninCork

Get on to the Law Society. See what they have to say.

roro2

MammaMurphy wrote: »

Surely it doesnt take more than a week to get response from his bank re: his LOAN!

Im hoping that he gets word from the Underwriter today because as far as i have been told he has everything left into the banks that they requested!!

Going to pull my hair out now at this stage!!!!!!!!!!!!!

You shouldn't really be getting caught up with this aspect. Of course it could take more than a week - you don't know what his circumstances are. The bank could even decline his application, at which point the sale will fall through.

Which brings you back to the main issue - your solicitor has drawn down your mortgage when they don't even have a valid signed contract and there is a real risk that the vendor may not be able to complete the sale (requires bank permission). Without binding contracts, there is even nothing to stop the vendor simply changing his mind and pulling out. Therefore, your issue is with your solicitor not the vendor's bank.

MammaMurphy

This will be week 7 on Thursday that we have signed our contracts for our house.
The vendor is still waiting on his Negative Equity loan to be approved from BOI.
The last excuse i was given was that the Bank Official that was dealing with his application is on holidays. Surely it gets passed to some1 else while they are on holidays.

We are sick of being fobbed off at this stage.
Any recommendations from any1 will be grateful!!!!

We are getting unbelievably stressed out now about the whole situation, because as soon as he gets his loan we can get our keys and are praying everyday that we get word.
We just hope that he doesnt get refused as it would be soul destroying to us as it is our dream home.

What do we do? Do we keep haunting his solicitor to get word or should we leave it be and let it take its course???

:mad:

Marcusm

No offence but this is the third thread; it would be easier for you to update the original threads so the full history is there.

My advice remains the same; your solicitor is at fault for drawing down your mortgage and you need to impress this fact on him. You don't even have a signed contract and even if the vendor gets their NE loan, they could legally pull the putative sale. You have no other action than to agitate your solicitor, this is all of his making.

roro2

MammaMurphy wrote: »

What do we do? Do we keep haunting his solicitor to get word or should we leave it be and let it take its course???

:mad:

As Marcusm said. Plus I hope this is a typo and you mean your solicitor.

chris85

Your solicitor should be doing all the work here. You have thread on this already and mortgage was prematurely drawn down by sounds of it and your solicitor should be sorting this.

MammaMurphy

Am quite new to all of this Boards.ie only the last couple of weeks so im not entirely sure how to update my last status!! So sorry about that.

No roro2 it is not a typo, i have my solicitor haunting HIS solicitor every day of the week because we are stressed out over all this now at this stage.

the_syco

OP; maybe look into getting legal advice on how your current solicitor is handling things, as from your previous threads, it sounds like he has f**ked up.

banie01

the_syco wrote: »

OP; maybe look into getting legal advice on how your current solicitor is handling things, as from your previous threads, it sounds like he has f**ked up.

Agreed!
From reading the other threads the OP started and seeing all the same advice given and ignored!
I can't understand why the OP is going anywhere near the vendor's solicitor?
The F.up here is by their own solicitor in drawing down the mortgage when no enforceable contract exists?
The buck stops with their solicitor jumping the gun!
I hope at the very least your solicitor is reimbursing any interest portion of the mortgage payments you are making while you are without a house or indeed any legal interest in said house?
Wonder how the mortgage lender will view the fact that money has been drawn down on an undertaking only and with no mortgageable interest available to them yet?

Marcusm

MammaMurphy wrote: »

Am quite new to all of this Boards.ie only the last couple of weeks so im not entirely sure how to update my last status!! So sorry about that.

No roro2 it is not a typo, i have my solicitor haunting HIS solicitor every day of the week because we are stressed out over all this now at this stage.

All you have to do is post on your previous topics.

You are making a mistake by "haunting" the vendor's solicitor as he is unlikely to be involved in applying for the other loan. The estate agent who is counting on the commission might be a better bet.

Your solicitor has royally f*cked up and this has cost you at least one mortgage payment if not two at this stage. He is also 99% certainly in breach of the mortgage drawdown conditions and Law Soc conveyancing guidelines - drawdown must follow contract exchange not precede it. If you have not made this clear to your solicitor at this stage then you are allowing yourself to follow this road to hell. If the vendor has not gothis negative equity financing in place at this stage (a number of weeks after you became aware of the slow progress) then it is highly unlikely to be forthcoming. You need to notify your solicitor now that he has a professional indemnity claim coming down the pipe and see what result that gets you.

If on the other hand you're prepared to sit around making payments on a loan you haven't used, I'd like to sell you Aras an Uachtarain to live in.

spockety

OP just to clarify what everyone had said in case it is not sinking in:

Call your solicitor and say "can you tell me why you drew down the mortgage when there was no contract in place with the vendor please?"


Keep it as simple as that for the moment and let us know what he or she says to you.

MammaMurphy

Well our bank requested the funds back for the moment as we have no completion date so the cheque is going back 2moro.

We also rand EA and solicitor this morning to see if there is any sort of progress and basically we have made a decision to give them until the end of July to get it closed and if not we are walking away.

Our solicitor sent his solr a letter yesterday with a copy of the email from our bank requesting funds back and hopefully this will give them a kick and get it sorted by the end of the week and if not we are walking away.

We are within our rights to walk away as there is no binding contract signed by the vendor but then we are back to square one again now going through the whole process of viewing again!! Along with the valuations and surveyors AGAIN!!!

Fingers crossed that we just get some answer this week as we are pulling our hair out at this stage!!

ABajaninCork

Did you get on to the Law Society about your solicitor's conduct? I'd be looking to report him as soon as your business is concluded - either way.

the_syco

MammaMurphy wrote: »

We are within our rights to walk away as there is no binding contract signed by the vendor

Hrm... what did you sign, then, before you agreed to draw down the mortgage, in the way of buying the house?

I'd wonder what you'd stand to lose?

MammaMurphy

We signed our contracts but as far as we are aware the vendor hasnt signed the binding part!

We are for sure getting onto the Law library as soon as this is all over and reporting both solicitors and making complaints against each.

We have been told we are within our rights to walk away as he hasnt signed the binding contract.

listermint

MammaMurphy wrote: »

We signed our contracts but as far as we are aware the vendor hasnt signed the binding part!

We are for sure getting onto the Law library as soon as this is all over and reporting both solicitors and making complaints against each.

We have been told we are within our rights to walk away as he hasnt signed the binding contract.

Well its fairly simple your solicitor by rights shouldnt of had you sign anything until they were 100% sure that the financial side of the vendor was addressed. At that stage you would then sign and send it off.

That person is an incompetent idiot.

seamus

The whole process is effectively a system of checkpoints, and it works great, but it falls down because it assumes that the solicitors as guardians of the process, will never cut corners or tell lies. In order to draw down, the solicitor has to tell the bank that the contracts are signed.

This kind of cowboy behaviour went on a lot during the boom because it was practically unheard of for someone to have difficulty getting a mortgage and the solicitor had 20 transactions on the go and wanted this done and closed. I didn't think solicitors still thought it was OK to do this kind of crap.

Yeah, once the bank has their money back and you have your deposit back, I'd be cutting ties with the solicitor and making a complaint to the law society. Include a claim for any costs you may have lost as a result of this - e.g. mortgage interest, loss of earnings having to take days off, etc.

the_syco

MammaMurphy wrote: »

We signed our contracts but as far as we are aware the vendor hasnt signed the binding part!

So you effectively tried to draw down the mortgage on a house which the vendor didn't sign the contract to sell to you?

MammaMurphy wrote: »

We are for sure getting onto the Law library as soon as this is all over and reporting both solicitors and making complaints against each.

I'm not really getting what complaint you have with the other solicitor, as it seems your solicitor f**ked up, and is trying to pass the buck. I'd be of the opinion that the other solicitor knows this, and is ignoring you/him for that reason?

MammaMurphy wrote: »

We have been told we are within our rights to walk away as he hasnt signed the binding contract.

I'd get legal advice from a different solicitor about this, as
1) current solicitor doesn't seem to know how to do things
2) you may lose your deposit, and get sued for walking away for something you committed to (as you signed the contract).

I'd advise legal advise from another solicitor, as this could really sting you badly.

chris85

MammaMurphy wrote: »

We signed our contracts but as far as we are aware the vendor hasnt signed the binding part!

We are for sure getting onto the Law library as soon as this is all over and reporting both solicitors and making complaints against each.

We have been told we are within our rights to walk away as he hasnt signed the binding contract.

They havent signed as no mortgage agreed for them, thats fair enough, and their solicitor doesnt appear to have done anything wrong. Its your solicitor that messed up. No point in reporting the other solicitor for no wrong doing just because you want to blame as many people as possible when its your solicitor who has caused all this mess.

MammaMurphy

The reason i will be reporting his solr is for a simple reason they have lied to us since day one, they are not answering my solr calls and taking days to get back to us.

They simply are not pushing the issue with the vendors bank and tbh some1 has the answers and that person is not getting the answers from the bank.

Like how hard is it to contact the bank manager, explain the purchasers situation, basically push the banks to make a decision on the vendors loan application??? I dont think that is very hard to do! It only takes a couple of phone calls and stern questions to get an answer. Once we get the answer we can continue with the close of sale!!!

It is also the vendors problem too as him and his solr are VERY LAID BACK in getting answers from the bank!!!


We the purchasers should not have to suffer on this as they are the ones that asked us to close on the 31st May 13, and if they wanted this closed they should have had all the relevant documentation sorted!!

Do you all not agree on this??

whippet

while its a pain in the ass .. what the vendor does and what their solicitor does is really of no interest to you. Solicitors sit on paperwork and delay response for many reasons .. mainly to buy time and give them selves and their clients breathing space. As far as I can see you have no grounds to make a complaints against the vendors solicitor.

as for your assumption that a couple of stern words to the bank to move things along? This does not happen, I know from recent experience that getting paperwork through banks takes for ever and it is nigh on impossible to actually get to speak with someone who you need to speak with.

It took me the guts of 7 months to close my purchase last year and that was down to Banks, Co. Co. Councils, Vendors, our solicitor wanting to make sure on a number of points, planning office etc ... we had 4 different agreed closing dates etc .... While it was frustrating it didn't really bother us as we were not under pressure to move in (we planned to spend the first month doing the place up) ....

Your solicitor has plenty to answer for .....

ABajaninCork

MammaMurphy wrote: »

Do you all not agree on this??

No, I'm afraid not. OP - you're STILL not getting it. The vendor's solicitor works for the vendor NOT you the purchaser! He will take instructions from his client only. So anything you say to him is a waste of time. You're not the ones paying his bill.

Several people on this thread have told you over and under - The mistake is YOUR solicitor's! The mortgage should never have been drawn down with no signed contract in place. That was a fundamental mistake which has cost you 000's. And you might STILL not get the house!!

TBH - I'd just walk away now. This is looking too much like hard work. Tell the solicitor you'll be taking further legal advice and action to follow to recover your losses and damages.

Marcusm

MammaMurphy wrote: »

The reason i will be reporting his solr is for a simple reason they have lied to us since day one, they are not answering my solr calls and taking days to get back to us.

They simply are not pushing the issue with the vendors bank and tbh some1 has the answers and that person is not getting the answers from the bank.

Like how hard is it to contact the bank manager, explain the purchasers situation, basically push the banks to make a decision on the vendors loan application??? I dont think that is very hard to do! It only takes a couple of phone calls and stern questions to get an answer. Once we get the answer we can continue with the close of sale!!!

It is also the vendors problem too as him and his solr are VERY LAID BACK in getting answers from the bank!!!


We the purchasers should not have to suffer on this as they are the ones that asked us to close on the 31st May 13, and if they wanted this closed they should have had all the relevant documentation sorted!!

Do you all not agree on this??

I suspect this is the story you're hearing from your solicitor and in true Irish fashion you're accepting it as true?

Why would the other solicitor be involved in pushing a bank to provide finance to the vendor for the negative equity? Was this one of the tasks your solicitor sorted out for you? Applying for the mortgage? I think not. The soicitor's involvement with the funding is mechanically arranging for it travel through the change; it would be highly inappropriate for him to be arranging finance.

All you have with respect to the bona fides of the other solicitor is the guff which you're hearing from your solicitor to put you off REALISING that he is the one at fault. The mortgage cheque has gone back now so neither your nor his client has had the benefit of the use of the funding but you have had to make at least one mortgage payment. Has he explained to you how or if he's going to he it back for you.

Your solicitor seems to be a muppet in everything other than deflecting criticism of himself. I'm not a lone voice saying this, I don't think a single poster has suggested your guy is not at fault.

the_syco

MammaMurphy wrote: »

The reason i will be reporting his solr is for a simple reason they have lied to us since day one, they are not answering my solr calls and taking days to get back to us.

From reading other threads, banks meet every couple of weeks. The house has not yet been sold to you. Even in the boom times, the process can take a while.

MammaMurphy wrote: »

Like how hard is it to contact the bank manager, explain the purchasers situation, basically push the banks to make a decision on the vendors loan application???

The bank manager? How the funk would he know? The decision for this is taken by a group of people somewhere in head office.

MammaMurphy wrote: »

It only takes a couple of phone calls and stern questions to get an answer. Once we get the answer we can continue with the close of sale!!!

Stern questions? I'm sorry, but you must be having a laugh. This isn't some spoilt child that you're ringing, it's the principle with all the cards!

MammaMurphy wrote: »

It is also the vendors problem too as him and his solr are VERY LAID BACK in getting answers from the bank!!!

So far, your solicitor has been passing the buck. I'm thinking he has the answer, but is trying to buy himself some time.

MammaMurphy wrote: »

We the purchasers should not have to suffer on this as they are the ones that asked us to close on the 31st May 13, and if they wanted this closed they should have had all the relevant documentation sorted!!

31st May? Serious? These things can overspill by a few months. Your problem is the mortgage is already coming down.

Actually, where is it going to? Your solicitors bank account in the Cayman Islands?

MammaMurphy wrote: »

Do you all not agree on this??

GET ****ING LEGAL ADVICE. HOLY ****ING ****. HOW THE **** DO YOU NOT GET THIS???

AAAAAARRRRRGGGGHHH!!!

But no. You won't. Why? Because you keep asking the same questions, ignoring all advice.

MammaMurphy

TO ALL OF YOU WHO ARE SPEAKING TO ME LIKE IM A CHILD THAT IS THE REASON IM IGNORING YOU!

SERIOUSLY YOU HAVE NO IDEA OF WHAT MYSELF AND MY HUSBAND ARE GOING THROUGH, YOU HAVE NO IDEA OF HOW STRESSED OUT WE ARE LIVING IN SOME1 ELSES HOUSE THE PAST 9 MONTHS WAITING FOR ALL THIS PROCESS.

SO IF YOU HAVE NOTHING NICE TO SAY THE BASICALLY F**k OFF AND STOP IRRITATING ME.

NONE OF YOU KNOW THE PRESSURE WE ARE UNDER TRYING TO GET OUR DREAM HOUSE AND TBH EVERY1 HAS THERE OPINIONS AND IF I FEEL THAT I AM RIGHT THATS ALL THAT MATTERS.

the_syco

MammaMurphy wrote: »

IF I FEEL THAT I AM RIGHT THATS ALL THAT MATTERS.

Righto, I'll leave you to it, then.

witchgirl26

MammaMurphy wrote: »

TO ALL OF YOU WHO ARE SPEAKING TO ME LIKE IM A CHILD THAT IS THE REASON IM IGNORING YOU!

SERIOUSLY YOU HAVE NO IDEA OF WHAT MYSELF AND MY HUSBAND ARE GOING THROUGH, YOU HAVE NO IDEA OF HOW STRESSED OUT WE ARE LIVING IN SOME1 ELSES HOUSE THE PAST 9 MONTHS WAITING FOR ALL THIS PROCESS.

SO IF YOU HAVE NOTHING NICE TO SAY THE BASICALLY F**k OFF AND STOP IRRITATING ME.

NONE OF YOU KNOW THE PRESSURE WE ARE UNDER TRYING TO GET OUR DREAM HOUSE AND TBH EVERY1 HAS THERE OPINIONS AND IF I FEEL THAT I AM RIGHT THATS ALL THAT MATTERS.

I've been kinda keeping up with these threads OP as I felt for you in this situation. It's a terrible place to find yourself in but reacting like this to people who are trying to give you advice on what to do will not help. I get that you're stressed but it does not mean you react like that to people who are genuinely taking time out of their day to try to help you out with their well thought through advice.

If you feel you are right, then why did you come on here? To validate that or to get help?

Your solicitor is largely at fault here for drawing down the mortgage before things have gone through. There is nothing the vendors solicitor can do if the decision is with the banks for the vendors new mortgage. Nothing at all so constantly ringing them or getting your solicitor to ring them is not going to speed up the process at all.

Unfortunately things over run when purchasing a home. I saw it with my sister & she wasn't even part of a chain (she was buying a new build) - original move date was April & she got the keys in June. Just the way things went.

This is the internet - you put something out there & you do not get to say that only nice comments will be accepted by you. Does this mean that you'll only listen to people who are saying that they agree with you? It doesn't work like that. People are trying to give you good advice & it's not right that you're throwing that back in their faces with a post like the above.

Once again, I'm sorry for the stress that you're under with this but you need to think really who the blame lies with. There's enough to go around but I think you need to seriously question your own solicitor & sort that out first before you try to take on the vendor's solicitor right now. Good luck with it all.