H
hurt
Guest
In 2009 i obtained a mortgage on a property worth 169k
I met the estate agents and builders and paid my deposit.
Builders told me i could move in while everything else was sorted regarding the contracts..6 weeks i was told.
After moving in and settleing in i contacted my solicitor to find out what was happening and he was told me he was awaiting the contracts to come forth.
I asked the builders what the problem was and they said it was going to take a little longer.
12 weeks had passed but my solicitor recieved a letter from there's stating that certain issues would have to be cleared before we could proceed....nothing from my end.
My solicitor sent a letter to my bank to explain the situation and let them know that we were drawing the money on the cheque as its shelf life was nearly.
i paid the mortgage back monthly for 12 months while all this crap was going on until eventually when my solicitor called me in one day and placed a folder 8 inches thick with judgements against the builders in question.
The builders finally came clean regarding what was happening....notice on the land they said prevented them from closing the sale...2 years later
They told me not to leave the house as they said things would be sorted soon and i would get it cheaper.
My solicitor had to repay the bank back the mortgage because we could not obtain clean deeds...no issue over this regarding the bank but hit a stage were there paticence was running thin.
After paying back the bank in full i went straight back in to reapply for a cheaper mortgage of 120k.....refused....3 months later 90k...refused.
Now 3 years almost to the day i walked into the house i have been told that the builders bank will sell me the house for 60k.
I was naive at the time as i had never purchased a home and the fact solicitors letters were involved always though it would b ok...i know now i was wrong.
I didnt want to leave the home as i had put time effort and money into it...also it became my kids home after moving from Dublin to cavan.
What i want to ask is can i take legal action against
1- The builders ....for lying since day one
2- the estate agent .....again for lying as we looked at other properties on the day and he never mentioned anything untoward.
3- Three the bank....for taking back what i owed them but basically dont want anything to do with me now.
Im self employed and have shown since 2008 the following.
32500 / 28922 / 24500 / 31000 and all tax has been paid.
For the last 12 months i have religously saved with bank of ireland who told me to open a savings account to prove i can save and have thus far saved 13k.
I need a mortgage of 54k which even at 6% is €314 per month.
I have a small personal loan i got from boi a few days after moving in which i can pay back in full which costs me €247 per month.
what are my chances regarding this.
I have 3 kids and a partner who is on sick benefit at the moment ((genuinely sick))
Anyone any advice please.
I met the estate agents and builders and paid my deposit.
Builders told me i could move in while everything else was sorted regarding the contracts..6 weeks i was told.
After moving in and settleing in i contacted my solicitor to find out what was happening and he was told me he was awaiting the contracts to come forth.
I asked the builders what the problem was and they said it was going to take a little longer.
12 weeks had passed but my solicitor recieved a letter from there's stating that certain issues would have to be cleared before we could proceed....nothing from my end.
My solicitor sent a letter to my bank to explain the situation and let them know that we were drawing the money on the cheque as its shelf life was nearly.
i paid the mortgage back monthly for 12 months while all this crap was going on until eventually when my solicitor called me in one day and placed a folder 8 inches thick with judgements against the builders in question.
The builders finally came clean regarding what was happening....notice on the land they said prevented them from closing the sale...2 years later
They told me not to leave the house as they said things would be sorted soon and i would get it cheaper.
My solicitor had to repay the bank back the mortgage because we could not obtain clean deeds...no issue over this regarding the bank but hit a stage were there paticence was running thin.
After paying back the bank in full i went straight back in to reapply for a cheaper mortgage of 120k.....refused....3 months later 90k...refused.
Now 3 years almost to the day i walked into the house i have been told that the builders bank will sell me the house for 60k.
I was naive at the time as i had never purchased a home and the fact solicitors letters were involved always though it would b ok...i know now i was wrong.
I didnt want to leave the home as i had put time effort and money into it...also it became my kids home after moving from Dublin to cavan.
What i want to ask is can i take legal action against
1- The builders ....for lying since day one
2- the estate agent .....again for lying as we looked at other properties on the day and he never mentioned anything untoward.
3- Three the bank....for taking back what i owed them but basically dont want anything to do with me now.
Im self employed and have shown since 2008 the following.
32500 / 28922 / 24500 / 31000 and all tax has been paid.
For the last 12 months i have religously saved with bank of ireland who told me to open a savings account to prove i can save and have thus far saved 13k.
I need a mortgage of 54k which even at 6% is €314 per month.
I have a small personal loan i got from boi a few days after moving in which i can pay back in full which costs me €247 per month.
what are my chances regarding this.
I have 3 kids and a partner who is on sick benefit at the moment ((genuinely sick))
Anyone any advice please.