Help! Panic! Mortgage! - Page 3

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Help! Panic! Mortgage! - Page 3


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  #21 (permalink)  
Old 5th April 2019, 12:59 PM
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Is anybody else living there? Or is it vacant?
Vacant at the moment.

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  #22 (permalink)  
Old 5th April 2019, 02:26 PM
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Does it have utilities connected and running?

If not budget for that. Worse case is if it's off the electrical grid. But just turning on the various utilities will take some effort plus the deposits.

Of course with me Enel still hasn't sent me a bill since Oct. They keep telling me not to worry. I'll give them twenty years than I'll sell and more -)

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  #23 (permalink)  
Old 5th April 2019, 02:29 PM
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Does it have utilities connected and running?

If not budget for that. Worse case is if it's off the electrical grid. But just turning on the various utilities will take some effort plus the deposits.

Of course with me Enel still hasn't sent me a bill since Oct. They keep telling me not to worry. I'll give them twenty years than I'll sell and more -)
Hi Nick,

It is on the grid but its not up and running, the contract was removed from the house 5 years ago when the father of the owner died. So yes the switch on costs will be there... (Any idea what these would be on the off chance?)

Kenzo

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  #24 (permalink)  
Old 5th April 2019, 02:53 PM
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I don't think they charged me a thing. But I signed a contract with the money coming out of my bank account. I think. It's either that or being charged straight to my credit card. OTOH all they did was turn on the power from the office. It's not like they even came over.

If you have an old style account that they send you a bill to pay at the post office you'll have to pay the deposit. No idea what it is currently but I think €50 or so?

The new offers from Enel are worth signing up online. Just read the terms some of them are less advantageous than they make them out to be. For example the one they had on TV with the "free" night time offer. That was a bad deal for most people

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Old 5th April 2019, 10:44 PM
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Quite seriously, getting the utilities (including internet) sorted out at our place took longer and required more paperwork than anything else! Admittedly that was because we were changing suppliers for gas and electricity. Bought the place in August, first bill from new supplier in February. But at no stage were we cut off or overcharged.

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Old 12th April 2019, 10:03 AM
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Hello Troz, I has just posed a question here to look for a property lawyer in Puglia and then find this thread. May I know where is your lawyer? thank you.

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Old 12th April 2019, 11:51 AM
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Hello sxmhousewife. My lawyer was in Umbria so probably not able to help you. I hope another forum member can help.

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  #28 (permalink)  
Old 12th July 2019, 09:45 AM
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and the fun continues.....

So lets recap.. Signed a compromesso in February.. it expires the end of this month...

I am going for 100% mortgage plus a little extra to pay for fees...

The bank now have decided too much time has passed and we have to start the pratica again...

Now the Agency are saying this is the Banks mistake. The bank got all the guarantees necessary and decided at the last moment yesterday to say the documentation doesn't prove I have been resident for 3 years in Italy so I can't have the mortgage. This is simply because for 1 and a half years I was resident in one commune and for 2 years in another. I went to the bank yesterday with the relevant historical document to prove my residence but now too much time has passed and we start again....

The Bank are saying the issues have been caused by the Owner/Agency because they have taken too long to get the donation of the house removed and this is why the other issues were not found in time...

The Owners are now saying it is My fault because I should have given the document to the bank, the one the bank said I did not need because I gave a marriage certificate proving I had been married to my wife for 3+ years who is an Italian citizen....

Meanwhile I do not know who to blame and it seems like its a little bit of everyones fault for saying there is plenty of time when in fact there was not... My main concern is the owners will now see if they get a better offer when the compromesso expires and we will have nothing having spent a small fortune on perizia and computo metrico etc..

So I guess my question is if this does go up the swanny.... who do I sue?

Answers on a postcard

Kenzo

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  #29 (permalink)  
Old 12th July 2019, 10:38 AM
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Better offer? How long was it on the market before your offer? Years? Decades? Tell the owner you want a deduction for the costs. If he finds a better offer move on. You'll find other homes easier than he will find a new buyer
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  #30 (permalink)  
Old 12th July 2019, 10:43 AM
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Better offer? How long was it on the market before your offer? Years? Decades? Tell the owner you want a deduction for the costs. If he finds a better offer move on. You'll find other homes easier than he will find a new buyer
This is very true... Maybe I am panicking for no reason.

Kenzo

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