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New here and this is a bit of a long shot, but if anyone can help I would be very grateful.

 

I live in Leicester and cannot work due to disabilities I have. I am on benefits and that includes housing benefit for my rented house I have lived in for 5 years.

 

This year I inheritted a falt in Scotland. It is a dyump (the flat not Scotland) and hasn't been lived in for 20 years. It is worth about £15k as it is. It needs a new roof as well as extensive refurbishing. I am skint so cannot make it sellable or lettable. However, although it is empty I am now having to pay rates on it. This is money I simply cannot afford. I was given 6 months no rates and now pay 50% for the next 6 months which is coming out of my DLA effectively. I am not sure what if anything I can do.

 

I cannot borrow as I am not working. I cannot mortgage as I don't live in it. I cannot let as it is a dump. I cannot sell as it is a dump.

 

Any suggestions anyone?

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"I cannot sell as it is a dump" ...... everything will sell at the right price. Sounds like you should get rid of it.. Why is it in such a state? What would it be worth if it was in a good condition?

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Thanks for the reply.

 

It is a dump compared to a refurbished place I mean. It hasn't been lived in for years, so is really outdated. One ceiling is down (leaking roof). Wiring is not up to standard, kitchen is basically a sink and a table. Bathroom has no bath. Nobody has lived in it since about 1990.

 

It is probably worth £30k on a very good day in perfect order. As it stands about £15k.

 

I would like to borrow about £5k to get it rewired, roof fixed, new bath and kitchen units and carpets. Then sell it. I asumed because I own it ourtright and have the deeds in my name, I would be able to borrow £5k secured against it and then sell it paying off the loan. Apparantly because I don't live there, plus have no income it is not possible.

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£30k !!!!! where is it.......... Uist.. Shetland? A builder / developer will buy it if it is in a built up area.

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LOL. I know Shetland well. I lived there 35 years ago.

 

No this is in Ayrshire. It is a small coastal town. It is also in the wrong part of the town where the local council have kindly housed any 'problem' families so the area has been dragged down by **** for 10 years. Prospects are not great, but at least done up it would fetch something half decent.

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My father used to fish out of Ayr and my mother comes from there. Mind you that is 60 + years ago now.

 

Perhaps you need to form a 'partnership' with a local builder to do the work gratis, for a share of the profits?

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I posted something similar the other day but maybe this will be clearer.

 

I live in England. I own a flat ouitright in Scotland that I inherrited. The flat is run down and needs about £3k spending on it to make it presentable enough to sell it. I am skint.

 

Is it possible to borrow, secured against it? I have been told that I cannot borrow against it as I do not live in it. Does that sound right?

 

Flat is worth about £25k to 30k. Surely there must be a solution and anyone with any advice will be gratefully received.

 

Thanks

Den.

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your other thread did get replies.

Maybe an idea to add the more detailed info there for a response since that IS the most suitable forum for these questions.

2 threads merged.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I am confused as to some of the answers here. What is all the Cagbot and HSBC stuff to do with my question?

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I am confused as to some of the answers here. What is all the Cagbot and HSBC stuff to do with my question?

 

 

? Sorry not sure what you mean.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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My local Council have a empty property grant of up to £34,000 for people who own a property that has been empty for at least a year that needs repairs. Speak to the Council where the house is and see if they have do something similar.

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There is nothing at all. I have already spoken to the LA which is North Ayrshire.

 

I cannot believe that I have a property that I must now pay rates on, even though I have no income. cannot borrow against. cannot let out as it is. Cannot sell as it is.

 

The temptation to just hand the keys to a stranger in the street and say 'it is your lucky day' is very high I can assure you!

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? Sorry not sure what you mean.

 

Well, half an hour ago there were other posts which clearly had nothing to with my threads. They have no magically vanished. I know Paul Daniesl has a son called Martin. Any coincidence?:razz:

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lol I can assure you I am not related.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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There is nothing at all. I have already spoken to the LA which is North Ayrshire.

 

I cannot believe that I have a property that I must now pay rates on, even though I have no income. cannot borrow against. cannot let out as it is. Cannot sell as it is.

 

The temptation to just hand the keys to a stranger in the street and say 'it is your lucky day' is very high I can assure you!

 

Seems to be something here? - you not eligable for this? - theres a online enquiry form.

http://www.north-ayrshire.gov.uk/CouncilAndGovernment/CouncilAndGovernmentGrants/HousingRenovationGrantForAPrivateProperty.aspx

 

Failing that can you not auction the property (rather than a traditional sale)?

 

The Council also have an advice line for C/Tax - I assume you have already called it? If not they should be able to tell you what discounts, if any, you are entitled to http://www.north-ayrshire.gov.uk/councilandgovernment/counciltax/counciltax-accountenquiriesandpayments.aspx

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Thanks Planner. I have already looked at that and spoken with the most unhelpful council. There are no grants available unless I am living in the flat and want a bathroom adaptation for my disabilities - onkly once confirmed by their occupational therapist. Whoooopie!

 

Council tax. 6 months zero tax because the place is empty, then where I am now paying half price council tax for a property that is empty and unihabiatble, plus full water rates.

 

I tried auctioning it in the summer, but the clowns I put it with couldn't sell ice cubes in the desert or heaters to eskimos. Uselsss people.

 

I really feel like giving up on life today. seriously. I have had enough. I am sitting here with 44p to my name and have to find another £75 in 2 weeks to pay that stinking council again. Life is so unfair sometimes. I cannot even get an ocean finance rip-off loan as I do not live in the flat. I cannot live in it unless it is fixed, I cannot fix without money, I cannot borrow till I live in it. Give me strength!

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