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Does anyone have legal advice about a house sale and inspection issues?

Question by Ellen: Does anyone have legal advice about a house sale and inspection issues?
Upon sale of my house, we agreed to have flashing fixed on the roof because of an inspection flaw. We had it fixed by a neighbor who’s a roofer, and submiited the receipt of work that was done to the realtor. Now a year after the sale, they contacted their lawyer with threats to sue us for $ 6000 because they are not happy with the work done. We had did what was asked us, hired a competent roofer and and had no idea “they weren’t happy”. Are we still liable?
They forwarded us a long list of repairs, way beyond anything presented to us before the sale of the house. We can’t afford to hire a lawyer, let alone pay $ 6000. Thank you so much for your help.

Best answer:

Answer by Leogirl0804
If they are not happy with the work that should have been brought out at time of closing with a final walk through. Check with your Realtor to see if they signed one. There should be one on file. If your realtor doesn’t have one, the buyers Realtor should have one. The buyers are trying to see what they can get out of you. If these items were missed by THEIR inspector, then they need to take issue with THEIR inspector. You can relax.

What do you think? Answer below!

Property/legal advice on buying a house that’s about to go into repossession?

Question by –x: Property/legal advice on buying a house that’s about to go into repossession?
Looking for a bit of advice as bank holiday weekend and cant contact anyone until tuesday. I have recently heard of a flat that is about to be repossessed any day now. Its my friend’s neighbour and she is still in contact with her. I was wondering if there is anyway i can buy the house before it gets repossessed, would suit me much better and stop the owner being black listed. i also have a mortgage at the moment, would i need to sell that before i could make an offer? And am i allowed to take my same mortgage deal with me? I am really desparate for this flat but dont want to get my hopes up incase its just not possible. Im from Scotland if that makes any difference regarding laws. Would be really grateful if anyone has any experience of this. Thanks

Best answer:

Answer by sizzles1024
Whatever bank holds the mortgage on the place that’s about to be repossessed would rather sell to you than repossess and have to deal with selling it themselves. Properties like that aren’t valuable to banks like the mortgages themselves. If you’ve got a mortgage already, what you need to do with it depends on how much you’ve paid, how much you owe, etc. Do you want to maintain two properties? As far as the laws go, it makes big differences what country you’re in. I’m in the US, but the stuff I’ve said pertains to anywhere.

Give your answer to this question below!

question about a house repossession?

Question by thinkbig: question about a house repossession?
I put my house up for sale a couple of weeks ago but with the current market I aint expecting a quick sale. The thing is that we have seen a repossessed property for sale that has been up 6 months and it would be ideal for our family. My question is would it be possible for the mortgage company to do a house swap the same as many buyers/sellers are doing these days? do they do that? we would be willing to pay legal/survey fee’s etc and maybe reduce asking price of our house. any anwers shedding light much appreciated.
I learnt about house swapping via the internet and of course it would all have to be signed over legally etc.

Best answer:

Answer by JR M
Buy prepaid legal plan for then you can ask all those questions from their attorneys (real legal answers), they will even prepare your deed for free. Check out www.backofficecrew.us .

Give your answer to this question below!

Thinking About Remortgaging?

The Mortgage Shop could help you to save money too! If you are switching we may be able to negotiate a new mortgage deal to reduce your monthly mortgage payments. You may be eligible for a much lower interest rate with another lender; however, this will depend on your circumstances. You may have to pay an early repayment charge to your existing lender if you switch but we will take this into consideration when helping you make the decision. Warning: Your home may be repossessed if you do not keep up repayments on your mortgage. You Talk. We Listen. Ltd trading as The Mortgage Shop is regulated by The Financial Regulator.

White County Fire Committee seeks legal opinion about funding

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Question about a voluntary vehicle repossession?

Question by ~life sucks~: Question about a voluntary vehicle repossession?
I want to volentarily turn my vehicle into the bank. From what I understand, the car will be auctioned off and the bank will send me the bill for the balance. So, say I owe 16k on it and the bank sells it for 10k, then I get a bill for 6k? Right? How relentless are banks in pursuing the balance? I know they probably reserve the right to pursue legal action to get the bill paid, but do they often do this? How likely is the bank to eventually stop collections and just write the balance off as a loss? I dont want the car anymore, I cant afford the monthly payment anymore and I am so upside down it, I cant privately sell it and hope to ever get close to what I owe on it. I know this will ruin my credit, but my credit is already trashed, I don’t really care at this point.

Best answer:

Answer by caldrich36
Your right. The bank will tell you that they got alot less than what you owed. Ask to see the bill of sale. They have to show you this. Also try selling it back to where you purchased the vehichle or to some other dealer. This may work for you better. Good luck.

Add your own answer in the comments!

Iron rules about renting a car

Iron rules about renting a car

Iron rules about renting a car


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Iron rules about renting a car

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Iron rules about renting a car

By: yair bar zohar

About the Author

Look & See

http://www.tiulim.net – for israelies travelers

http://all4free.co.il – for Israelies entertainment

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Iron rules about renting a car

Wrote and edited: Yair Bar-Zohar

Date: 01.07.2004

Recently updated: 02.02.2009

A rented car abroad – Advantages: comfort, transportation from one place to another, freedom to travel independently, the option to stop at any time of the day, the option to reach places where public transportation doesn’t, cheaper (sometimes) than organized trip and public transportation. The profitability of renting a car rises when the number of passengers rises.

It’s very recommended (yet not mandatory) to work with international rental cars companies because they can solve any problem around the clock and they have a large variety of new cars. The only disadvantage is the high price. The price in local companies is quite cheap, but their downsize is that their service is not always available, so you’ll need to check if the renting point is open at the time and day reserved.

The advantages of the big/international (and known) renting companies:

Deploying branches: when you’re driving with the rented car and everything is fine, then there’s no problem and you are satisfied. But in life, everything doesn’t always go according to plan, and sometimes there are car failures, and then the problem begins: Where is the nearest branch, whether the workers come to you or you come to them. I had a serious failure with the car when I was in the Niagara Falls. I rented at a known company, and even then,   I had to wait for about 12 hours for an alternative car, it took from me a lot of nerves, and the other car was malfunctioning as well. I have lost 2 days of my trip ( don’t forget that wasted time is wasted money). What do I want to say? That you need to choose the company with the best deployment.

You need to check when the place is open. It is better to take the car keys from the workers and not counting on the luck that others put them in a box (though most of the time there are no problems with that). Not every company (especially the small ones) open their branches for a long period of time and they don’t always have an airport branch. In cases like this, you have to wait several hours for the opening (mostly in the early morning hours). Again don’t forget that wasted time is wasted money.

It is very important to choose your renting company directly and not trough a travelling agent because they usually offer sales that others cannot compete with, and if you belong to any big organization like “hever” or the teachers association, you might get a discount up to 15%.

Favorite client in big companies: when you reserve a car, you usually get the car you asked for and only rarely get upgraded. Why not be a favorite client without payment by signing up for it in the company’s website (not every company has one): pay for class B (for example), and get a class C free. As a favorite client you wait for the car no longer then 10 minutes, and you don’t wait in line. In case you do need to wait longer, most places will give you a refund, from my experience.

The count of the rental days begins when your lease form gets stamped at the car receiving station. A delay of an hour and above is being considered an additional renting day. The reserve and the following computerized reports allow a delay of up to 59 minutes in the return. A delay above 59 minutes, even if it’s because you waited in line, means another renting day. Day=24 hours.

It’s important to be precise in the reservation form with the driver’s name, the location where you take and give the car back, when you take the car, and most important the flight’s number (since you’ve made your reservation in advance, the renting company is expecting you at the time you have written. if there is a delay in the flight, they have your flight’s details and can track it accordingly. Your car will be saved for you 2 hours after the ordered time, in case you haven’t given away your flight’s details. You cannot change those details abroad. Changing the time of the takeoff requires changing the approximate time of taking the car and You’ll need to verify that the information is known to the renting company (if you won’t inform them, there’s a big change you will have to wait for a long time).

A big part of the insurances offered to the renter of the car when he gets the car is only a suggestion and not really mandatory.Pay attention and don’t sign any form without checking it’s content before you receive the car, in order to prevent unnecessary payments in the future.

When you rent a car, take in account that it’s not recommended to rent one in crowded cities (like: New-York, London, Barcelona, Paris, Las-Vega, etc) unless you plan to drive outside the city.

In the summer (for example Italy), order a car with air conditioning, and at ski areas in the winter, order a 4X4 car (better grip of the road) with snow tires + chains, and with enough trunk for the ski equipment.

A 2 doors car is cheaper than a 4 doors car (same size and car, just less doors). It will be abuse and lack of consideration to the other passengers in the back if you drive a 2 doors car with 3 or 4 people.

Special vehicles (Jeep, Van, Sport, etc) need to be ordered far in advance. Otherwise, you won’t have that kind of car to rent.

Days count: sometimes it is cheaper to rent a car for a week and return it after 5 days then to rent a car for 5 days. There is no refund in unused days.

In most cases, ordering a car from your home country is much cheaper than ordering in the USA or Europe.

Compare renting prices between big airports (or nearby airports) and cities. Renting a car at Kennedy airport is almost double the price of renting the same car, at the same company in New-Ark airport, New-Jersey. Its important to know that at airports there have port taxes.

Young drivers, below the age of 24-25: at the USA, most of the renting companies don’t rent to those under the age of 24 or 25. Those who does, rent for drivers at the age of 21 and above, but charge for extra daily (between 10-40 dollars a day. The sum of money depends on the renting place). Few are the companies who rent for drivers at the age of 19 and above (and charge from them 20 dollars additionally).

We advocate you plow the market, check, compare and only then order. It’s recommended to start the trip at the country that has the lowest renting prices compared to the others.

It’s always good to order the car from a company that is known in your country, its cheaper.

When you order a car, the company undertakes to the ordered car’s category and not to the type of the car.

It is important to make sure what are the unique add-ons, that you must pay when you order.

Ask for a diesel car (check diesel prices at the destination country – it’s not always cheaper than regular fuel, but in most cases, they are). In some areas, the price of the diesel is significantly lower than regular fuel (the gaps between the prices can come in some countries to 50%). Also consider the fact that you can drive much more (almost double) kilometers in a diesel tank instead of regular fuel.

Payment at home- it is cheaper to order at your home country than abroad. The place where it’s cheapest to rent: Europe – Germany,  USA – Florida.

It’s a must to compare the kinds of insurances and benefits (full tank, sunroof, etc). You should ask how much you must  add, if you return the car in a different country from where you rented it, find out how much is the extra insurance with you move to eastern Europe countries, what is the Deductible in case of an accident, etc. You need to make sure there are no safety limitations: traveling on ferries, entering certain countries, especially in the east, entering Italy, Mexico, age limitation, etc.

Its very recommended to make an extended insurance against accidents with a third side insurance, as well as an included Deductible insurance, in addition to the mandatory ones(theft for example). Other than then, there is no need to pay for any insurance program.

Insurance Codes:

CDW – Collision Damage Waiver: insurance for the rented car and for the other car. There is Deductible.

Many Companies don’t give you the Deductible included in the rent itself, charge you about 5-6 Euros per day, and if god forbid there is any damage to the car, you begin a tiring journey: You pay a fine about 400 Euros Deductible without any right to appeal, When you get back to your home country, you start negotiating with the company, fill out forms and eventually, they pay you back the money, but a lot of time pass till you reach there and along the way, you get very annoyed. There are some companies that do include the Deductible and save you a lot of money.

PAI – Personal Accidents Insurance.

TP – Third Person Liability Protection: insurance against all kinds of third person faults (theft for example).

STP – Deductible Included – not mandatory but recommended.

SLI – expended third person insurance (recommended only in the USA).

You can cancel the add-ons within 24 hours.

CDW TP – all the offers are included (there is a deductible – different in each country).

It’s recommended to order the add-ons in your home country.

The insurance company is exempted from paying you any compensation if the car keys were left somewhere by you and thus allowing or making the stealing of the car an easy job.

The insurance companies won’t pay the full value of the content of the cargo inside the car if the keys were left inside or if you didn’t lock the car properly.

None of the insurances above cover for damages to the panes, tires and to the lower part of the vehicle.

International driving license + valid Israeli driving license:            Remember!! Not every country acknowledges the Israeli driving license. By Israel laws and other places around the world, it is stated that the national driving license is the international one. The insurance companies won’t acknowledge the international driving license abroad because it’s a result of an agreement between ministers and not the result of the law, and that being so, they are not insured with Lloyd’s. Their policy demands international driving license along with the national one. There is also a situation that certain authorities are not aware of the law existing in their country. Therefore, its best to take both driving license (international+national).

Places you can get an international driving license: MEMSI, and some of the mail branches. Anyway, it’s preferable to get the license near the date of your flight so you’ll have more time to use it.

Make sure that you have an international credit card. Most of the renting companies doesn’t allow taking their car without giving them your credit card number to ensure payment for every damaged made to the car or for an empty tank needed to be filled.

Make sure that you have the right renting car voucher.

In every rent there is a registration payment that costs about 9 dollars in case of cancellation.

Payments made abroad: road taxes, equipment like baby chair, ski roof, snow chains, additional driver insurance or a young driver insurance, insurances expansions , harbor taxes if they weren’t paid in your country, traffic fines, highways taxes, etc.

When you are at the rental company, check that you have written the address and phone number of the return point, in order to avoid uncertainty and unnecessary delays. Also, ask for a map that would help you find the return station. It’s very much recommended to take the road maps at the rental station, they will help you. Ask the workers there for instructions on the map on how to get out of the area, to the destination direction.

25. On the roads: crossing between certain countries requires buying a sticker at the border station, which allows you to drive on that country’s roads. Driving on those roads without the sticker might get you a fine. In any case, its recommended to ask for one when you get the car. Make sure that you have a parking clock that allows you to park the car for several hours. If you don’t have one, you should buy one. Make sure that you have a stamp for driving the roads (some countries demand it). Again, it’s recommended to buy one if you do not receive it from the rental company.

Most of the central airports in Europe have a service box when the renting station is close, and you need to put the keys and the lease contract inside it. In that case, you won’t get any confirmation of returning the car, no refund will be given back to you due to partial use of the coupon if you return the car sooner than determined.

General rules:

Please follow the traffic laws accepted in the county where you drive. Traffic laws vary from one country to another, regarding the driving speed allowed, signs, traffic lights, directional movement, parking, road signs and more. Fines in most of Europe countries and the United States, even parking fines, are not normal. If you get caught and get a fine, pay it before you leave the country, because the car’s renting company will charge you for additional expenses beyond covering the fine.

In case of a malfunction, accident or car theft, please report the renting company. Please demand the emergency number of the company (usually printed on the lease contract). In case the rent includes road services, make contact with the renting company to get an immediate help or a car exchange. In cases like accidents or car theft, you must also report the local police. You must keep copies of everything in case of a claim…

Keep the car locked, and take valuable belongings and hand bags each time you exit the car. In case you have rented a GPS system, remove it every time you leave the car.

It’s recommended to print this article.

Look & See

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http://all4free.co.il – for Israelies entertainment

http://addyourpoint.com – for all travelers in the world

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House Repossession Advice – 3 Myths About House Repossessio

House Repossession Advice – 3 Myths About House Repossession www.repossession.net

How To Go About Buying Repossessed Cars For Sale

How To Go About Buying Repossessed Cars For Sale

If you have considered buying repossessed cars for sale then you should know that buying an asset as huge as a car or a house is quite a big step. It is not something you should jump into without careful consideration and caution. The same goes for buying repossessed cars for sale. Just because you can not afford a brand new car or you don’t want to invest in a brand new car for your own reasons, it does not mean that you should settle for just anything in the repossessed or impounded cars market. The repossessed and impounded cars market has its own curves and corners you may want to watch out for and make the most of. The repossessed cars market has developed over time for different reasons. One of the reasons is that when someone gets financial assistance from banks to buy a car they may lose their financial resources and find themselves in a position where they can no longer make the required payments according to the agreed upon terms. Unfortunately in this case the loaning organizations have no other choice but to take the car back and service it in markets such as the repossessed cars markets where others can bid on the cars or outright buy it. When people bid on the cars the cars go to the highest bidder. This way the bank or the organization responsible for the cars can raise the remaining balance on the cars due to clear the monetary value. If you would like to buy repossessed cars you need to gather as much information as you possibly can from all the resources in your local area. First start with the car auctions in your local area before you widen your search into broader areas. Try looking in your local newspaper or other local sources of information. After you have gathered all the necessary information, call the responsible authorities or agents to make arrangements so you can go and inspect what they have in the sale stock. Please keep in mind that buying repossessed cars for sale does not mean you should settle for whatever they have available. You should make sure it is the kind of car you want and that it suits your needs. If you were purchasing a brand new car from a car dealer you would not want to settle for anything they have. You would want to buy something that suited your needs and wants. Make the most of the time you have and widen your search as far as possible. Even if you believe you have found the perfect car for you, you should still wait before making any commitments until you have thoroughly explored all your options that you have in buying repossessed cars for sale.

If you have considered buying repossessed cars for sale then you should know that buying an asset as huge as a car or a house is quite a big step. It is not something you should jump into without careful consideration and caution. The same goes for buying repossessed cars for sale. Just because you can not afford a brand new car or you don’t want to invest in a brand new car for your own reasons, it does not mean that you should settle for just anything in the repossessed or impounded cars market. The repossessed and impounded cars market has its own curves and corners you may want to watch out for and make the most of.

The repossessed cars market has developed over time for different reasons. One of the reasons is that when someone gets financial assistance from banks to buy a car they may lose their financial resources and find themselves in a position where they can no longer make the required payments according to the agreed upon terms. Unfortunately in this case the loaning organizations have no other choice but to take the car back and service it in markets such as the repossessed cars markets where others can bid on the cars or outright buy it. When people bid on the cars the cars go to the highest bidder. This way the bank or the organization responsible for the cars can raise the remaining balance on the cars due to clear the monetary value.

If you would like to buy repossessed cars you need to gather as much information as you possibly can from all the resources in your local area. First start with the car auctions in your local area before you widen your search into broader areas. Try looking in your local newspaper or other local sources of information. After you have gathered all the necessary information, call the responsible authorities or agents to make arrangements so you can go and inspect what they have in the sale stock.

Please keep in mind that buying repossessed cars for sale does not mean you should settle for whatever they have available. You should make sure it is the kind of car you want and that it suits your needs. If you were purchasing a brand new car from a car dealer you would not want to settle for anything they have. You would want to buy something that suited your needs and wants.

Make the most of the time you have and widen your search as far as possible. Even if you believe you have found the perfect car for you, you should still wait before making any commitments until you have thoroughly explored all your options that you have in buying repossessed cars for sale.

If your looking to Buy a repossessed car real cheap then you will want to check out the best websites for Buying Repossessed Cars for sale. Bestimpoundedcarsforsalereviewsites.info compares the best places to compare the cars that are on the market so you can buy the best car for you at the best prices. Don’t wind up with a junker. Go to bestimpoundedcarsforsalereviewsites.info.