Renting or buying, it’s time to get your house in order
I WAS taking part in a TV programme recently about dodgy builders and it got me thinking about how important our homes are to us – and our rights when things go wrong.
At Resolver, I’ve seen an increase in complaints about new-build properties, from cracks and mould to more serious structural issues.
Some of these problems can go on for years and have caused significant distress.
According to the Homeowners Alliance, more than a third of people who bought a new property reported more than 10 problems to the builder. That’s far too high a figure as far as I’m concerned.
I’m also hearing much more about service charges and dodgy freeholders.
Service charges – fees you pay collectively with other tenants or residents for services such as cleaning or gardening – can be a nightmare.
I’ve heard horror stories of some leaseholders or tenants being hit with huge increases in service charges by property companies. A few even moved because of them.
If you’ve got a problem with a service charge hike, have a meeting with all your neighbours – there’s strength in numbers.
With enough support you may be able to form a management association to take over the management of the property, even if you’re a council or housing association tenant.
A word of warning though – this can sometimes result in quite a bit of stress.
Neighbours don’t always agree or get on, so make sure you’ve got the time and temperament to deal with the work involved.
You can also get help with these issues by going to the Property Tribunal through HM Courts and Tribunals Service if you’re getting nowhere.
It goes without saying that homeowners should always invest in a comprehensive building insurance policy.
At this time of year, the impact of the cold weather can result in all sorts of damage to the structure of your property, from tiles on the roof to walls and fences falling down.
One of the biggest problems I see with building insurance claims involves ‘wear and tear’ – where insurers argue the damage is not weather related but as a result of maintenance.
You can avoid this problem by checking in with the insurer every year just to make sure you’re meeting the policy terms and conditions – it’ll save you a packet!
Landlord and tenant disputes are among the most common problems I’m asked to help with. To be honest, I could write a whole article around this subject.
In simple terms, if you’re unhappy, write a letter to your landlord setting out the dispute.
Speak to your local council if you’re not sure about your rights. If that doesn’t work, the council should have details of the next stage, after which there’s a free housing ombudsman service too.
Finally, there’s the mortgage itself. If you’re worried about affordability, it’s really important you talk to the mortgage company now.
They can talk through your options – and if they ignore you, Resolver can help you get some justice. From mortgages, to insurance and housing complaints, Resolver can help.
GET in touch at resolver.co.uk or talk to us at @resolver.co.uk and facebook/ resolvercouk