Previously we gave you some useful tips for moving in to your new Devon property, in this post we hope to help you with the arduous task of packing for your big move. Packing doesn’t have to be a nightmare task if you have the right tools and equipment.
One of the first things you should get is a good range of boxes in various sizes. You don’t want to use just large boxes and fill them with allsorts of things as these can easily become too heavy to lift. Also if you are packing small items in a big box there is a danger that they could break or get damaged.
Make sure you have a good supply of bubble wrap or old newspapers to help protect the more fragile possessions. In the weeks leading up to your move stop recycling your newspapers so you have a good supply for when you pack. Other handy items include strong parcel tape, pens and stickers for labelling boxes and sealable bags for any small lose items.
Here are some useful packing tips.
- Keep potentially hazardous products like paints, sprays and oils in clearly marked separate boxes.
- Load the removal van with the boxes you will need least first
- Be careful when backing boxes not to put heavy items on top on lighter items
- Make sure ever box is well labelled.
- Boxes containing fragile items should be marked fragile
- Make boxes of essentials you will need straight away such as a kettle, cups, plates, utensils, bedding, medicines and toiletries
Hopefully some of these tips can allow you an easy and stress free move.
After the media exposure of the government’s expenses claims there was an out cry of public opinion showing disgust for these politicians cheek in fiddling their claims.
Some politicians had chosen to claim the home in which they lived was in fact their second home and an additional home else where was actually their primary place of residence. At a time of recession there is little sympathy for these people who can’t fill a form out correctly and are unsure of where they live.
The state of the economy has seen people have their houses repossessed as they where unable to meet payments, yet politicians have managed to claim money that they are not entitled to.
Many of these politicians seem to forget that they are working for us and are on a substantially higher wage than the majority of the country yet still continue to receive substantial benefits.
Perhaps we aren’t being sympathetic enough to their problems? It must be hard choosing in which house to live, as most of us only have one to choose from, so we do have it pretty easy. Yet they can be grateful that under the unfortunate circumstance they claim too much money, or ‘accidentally’ receive too much cash a simple ‘I will return the money and apologise’ is all they have to do and then come the pat on the back. All is forgiven. Unfortunately it’s not as simple as other working folk. What would be viewed by many companies as theft would result in being sacked and then being pursued by legal charges.
An excuse of ‘oh I forgot to pay for that’ will work wonders if you are a politician but try that when you’re halfway out the door of WH Smiths with the latest copy of Private Eye and security will be on you quicker than you can say ‘evening officer’.
To make matters worse, this all comes at a time when house prices are plummeting and the property in which they reside is less than what they paid for it. Many people are moving towards Cash for Property services to enable to keep their heads above water.
Facing repossession can be one of the most traumatic times in any home owners life. So we have broken down the process into 5 stages to help you cope and prepare.
If you miss more than 2 months of mortgage payments then your mortgage provider may start the repossession process. But in most cases they will contact you and try to come to an agreement where the arrears will get paid without the need for legal action and will stop repossession.
If these conditions are not met and you still don’t pay then the mortgage provider or their legal team will write a warning of legal action, they will then apply to the court for a repossession order.
The court will make a summons, which is where the court will “summon” you to court, providing a date and time for your hearing. At this point you should contact a legal professional and reply to the court as it may harm your case if you don’t.
The next stage of the process is for you to attend the hearings, if you fail to do so, the judge will more than likely award the possession order against you as you have failed to give evidence. When you go to your hearing the judge will listen to evidence from both you and your mortgage lender and the make a decision on an outcome. These are the following possibilities.
Case dismissed – this happens if the arrears have been paid off so the repossession stops.
Case adjourned – This is when the hearing is postponed for a whatever reason, meaning the hearing will be rescheduled for a later date
Suspended Possession Order – If you agreed to pay the regular monthly payments as well as an amount towards the arrears for each month, then the judge can suspend the possession if he is convinced that you can make these payments. If you default on the agreed terms, the lender can seek possession by eviction or possession warrant without a further hearing.
Possession order – This allows the lender to take possession of your property after the possession order date. This result usually comes about if the judge finds out you haven’t contacted the lender or the court, or if he believes you cannot afford the payments you have agreed to.
If you don’t make the payments agreed to in the Suspended possession order or you have not moved out after the possession order date, the lender can apply for a warrant of eviction notice. This means you will get a letter telling you, that you have 7 or 14 days to leave the property. On the date you are meant to leave a bailiff will arrive to take possession.