Several years ago a friend who lived in Wigan had his house for sale. A
prospective buyer had his mortgage refused because - "...we do not
provide mortgages in areas of mining subsidence.." from a high street
bank.
Workings were deep and 80+ years old, no faults etc to cause problems
and no subsidence claims in the vicinity for years. It was very close to
the main west coast railway line which had no substantive subsidence
despite regular precision survey for I think 30+ years. There was a
small crack caused by a minor structural flaw. I wrote a mining report.
Still no joy with the mortgage provider. I phoned the bank's mortgage
manager who was based in Bristol. After he agreed that was their
office's policy I asked him if he lived in Bristol, which he did. I then
asked him if he was aware of the Bristol Coalfield, which he wasn't - I
then asked where in Bristol he lived ...flustered refusal to tell me -
followed by a silence - followed quickly by a sudden change in
policy..!!
Unfortunately it was too late for my friends sale - the prospective
purchaser, not surprisingly, got cold feet, but the property was happily
sold a month later and the mortgage was happily provided by - you've
guessed - the same high street bank.
Nigel Robinson
-----Original Message-----
From: Contaminated Land Management Discussion List
[mailto:[log in to unmask]] On Behalf Of steve
wilson
Sent: 21 October 2008 14:22
To: [log in to unmask]
Subject: Re: Watchdog
Fred Dibnah had to dig his own mineshaft - they should think themselves
lucky they have one already provided!
Steve Wilson, Technical Director
EPG Limited
Tel 07971 277869
www.epg-ltd.co.uk
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-----Original Message-----
From: Contaminated Land Management Discussion List
[mailto:[log in to unmask]] On Behalf Of Gareth
Rees
Sent: 21 October 2008 10:27
To: [log in to unmask]
Subject: Re: Watchdog
I think the main issue is that taylor wimpy didn't register the shaft
until 2007 7 years after he bought the house
I agree though it the NHBC are saying its fine I don't see why a
mortgage lender would refuse a loan
Though I can see why it would put off potential buyers. Though this may
be due to his poor communication. Telling someone there is a mine shaft
in you front garden is one thing telling them that it has been correctly
filled and capped and that this has been confirmed by the NHBC is
another
Thanks
Gareth Rees Mgeol (HONS)
Contaminated Land Officer,
Harborough District Council,
Council Offices,
Adam & Eve Street
Market Harborough
Leicestershire,
LE16 7AG
Tel:
01858 821174
Fax:
01858 821002
Email:
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-----Original Message-----
From: Andy Miller [mailto:[log in to unmask]]
Sent: 21 October 2008 10:24
To: Gareth Rees; [log in to unmask]
Subject: RE: Watchdog
If the shaft has been treated properly then I cannot see why this
constitutes an issue to the lenders. Yes, developer should possibly
have informed purchaser, but then so should his Lawyer at the time of
purchase, if they were at all switched on. Unfortunately for the
homeowner I think the amended Law Society due diligence guidance came in
around Oct 2006.
Plenty sites with treated (and untreated !!) mineshafts on them.
Andy Miller
Managing Director
SBA Geo-Environmental Ltd
No. 19 South Castle Drive
Carnegie Campus
Dunfermline KY11 8PD
Tel: 01383 627537
Fax: 01383 627538
www.sbascotland.com
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-----Original Message-----
From: Contaminated Land Management Discussion List
[mailto:[log in to unmask]] On Behalf Of Gareth
Rees
Sent: 21 October 2008 09:31
To: [log in to unmask]
Subject: Re: Watchdog
For anyone interested it here
http://www.bbc.co.uk/blogs/watchdog/2008/10/shafted.html
though it is more about mineshafts and poor practice by taylor wimpy
when they sold him the house
Thanks
Gareth Rees Mgeol (HONS)
Contaminated Land Officer,
Harborough District Council,
Council Offices,
Adam & Eve Street
Market Harborough
Leicestershire,
LE16 7AG
Tel:
01858 821174
Fax:
01858 821002
Email:
[log in to unmask]
websites:
* http://www.harborough.gov.uk
* http://www.marketharboroughonline.co.uk/
* http://www.lutterworth-online.co.uk/
-----Original Message-----
From: Contaminated Land Management Discussion List
[mailto:[log in to unmask]] On Behalf Of Robin
MacKenzie
Sent: 20 October 2008 19:33
To: [log in to unmask]
Subject: Watchdog
If anyone is working late at home then go and watch Watchdog. Form the
intro its going to be about CL and why someone can't sell their house.
Regards.
Robin Mackenzie
Contaminated Land Co-ordinator
Perth and Kinross Council
Tel 01738 476443
Mob: 07810057566
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