[Closed] helping a neigbour

I had to kick her back door

You might wanna try rephrasing that for a start!

Is she good looking?

[i]I had to kick her back door[/i]

seems a little opportunistic.

Seems like an overly elaborate plan to seduce you.

Im feeling as though I should help but also quite anxious that theres a stranger under our roof with my child.

Oh behave.

Help by encouraging her to sort herself out. Don't start offering help per se as things can quickly get out of hand.

Most importantly, are your houses semi-detached?

Bugger all you can do really, (other than hope you don't live in a semi detached)
If she's got a mortgage she's in real trouble* though with no insurance as that's a condition of the loan.

*I resisted the pun.

Firstly, so much STW innuendo in there that I don't even know where to begin!

Secondly, with any luck she'll have family and friends to get in touch with. I wouldn't imagine she wants to stay with you anymore than you want her there (althought wet neighbour, tools in hand and back door smashed in story says otherwise I suppose)

I had to kick her back door

You might wanna try rephrasing that for a start!

Damn I missed that!

So I told her to get intough with the insurance and it turns out that she doesn’t have any to try and save some money! Oh shucks!

Holy shit, that was some saving. She's now homeless.

wet neighbour, tools in hand and back door smashed in

Fnarrrr

Realistically, you've done all you can be expected to other than maybe holding a key to let people in if they want to work on the place.

Make sure she doesn't sponge off you for too long.

Well the situation for the woman is going to be a pretty tough one - that's going to be a very expensive mistake for her to rectify.

But in answer to your OP question - you shouldn't be doing anything other than offering a bit of help and advice. I certainly wouldn't want a neighbour in my house under those circumstances.

Tell her to speak to her mortgage company, even though she doesn't have any buildings cover the mortgage company might have some basic cover to at least rebuild the property.
Having no buildings insurance is shocking, it's dirt cheap for buildings alone so there's no excuse.
Also.... is she fit?

Bugger all you can do really

I think he already has.

[img] ?k=649bab3e81[/img]

Tell her to speak to her mortgage company, even though she doesn't have any buildings cover the mortgage company might have some basic cover to at least rebuild the property.

Nope, they don't cover it, but a term of the mortgage is that you do so.

Even if it has to be demolished she still has to pay off the mortgage.

It's going to be a very expensive lesson for her.

I certainly wouldn't want a neighbour in my house under those circumstances.

All depends on your neighbourhood, we get on pretty well with all our neighbours and having one stay wouldn't be a concern. Although staying long term would be a PITA mainly as you loose privacy etc.

[i]also quite anxious that theres a stranger under our roof with my child.[/i]

And not a very bright stranger by the sounds of it.

With those powers of judgement id be getting rid of her from my house and avoiding any further contact.

If I was as deep in debt as she probably is now id think nothing of stealing anything not nailed down..

And not a very bright stranger by the sounds of it.

Not an uncommon attitude, guy I used to work with had no house insurance either. I tried my best to persuade him it was worth £150 a year, but he'd have none of it....

If I was as deep in debt as she probably is now id think nothing of stealing anything not nailed down..

You sound nice.

[i]If I was as deep in debt as she probably is now id think nothing of stealing anything not nailed down..[/i]

If only the OP had some way of finding out where she lived.

Just reading some stuff here at work. (a bank) The cover I was referring to would likely just cover the bank's loss, it probably wouldn't extend to rebuilding the property.
All might not be lost though, it'd have to be some water damage to make the property uninhabitable and completely devalued. Also sometimes the value of the land alone might be sufficient to cover the mortgage debt, depending on the mortgage level of course. She should ring the mortgage company first.
Be interested to know how this pans out, please keep us updated.

Is there even a mortgage?

Is there an ex partner, a disgruntled owner/part owner? I've know of funny things happen to property and possessions when divorce etc. is looming.

Hey, what's her worst case scenario? prison vs a swamp?

Unless I'm missing something her absolute best case is getting immediately put into a council house, declaring bankruptcy and starting over

[i]If only the OP had some way of finding out where she lived.[/i]

Doubt anybody's in.

I feel conflicted reading such a tale of woe and giggling half way through.. 😳 but try to be kind, don't be a mug..

she may be renting the property - in which case insurance absence would be for her contents, though building would be covered..

reformed fatty - she won't get a council house quickly. single person low priority.

As khani says - short term stay at yours , you help get the house dried out. thats about as far as I would go

HN - Member

Oh behave.

go on, whats the issue?

While it does sound like im going for a full STW house here. (did i mention she was a single Muslim lady) im not.

But in all seriousness its knackered and she seemed to think that leaving the windows open today and it would be dry by the weekend. Shes clearly no idea or money. Which makes me worried that shes going to convince the wife to stay for longer than expected.

[i]she may be renting the property - in which case insurance absence would be for her contents[/i]

Place I rented a few years back, part of the contract was you had to have contents insurance.

She has a wife? (sorry, someone had to)

Sorry, this is bringing a smile to my face with some of the comments. It was very steamy in there i must admit.

Shes my wife 🙂

Your wife lives in another house? This is getting weirder.

[i]Shes my wife[/i]

andybrad, earlier

[img] [/img]

😀

Shes my wife

Oh this is so confusing.

Your wife lives in another house?

Not any more. She's moved in.

i remember when someone turned up on a wnr looking like that. But thats a different story...

You've done your bit, palm her off to family/friends...don't get sucked in any further.

Unless I'm missing something her absolute best case is getting immediately put into a council house

Other than the 10+ year wait for council houses, can't see a flaw in your plan. Plus, if she has a job and no children, she wouldn't qualify as she could just stay put in the damp mess of a house....

[i] She's moved in. [/i]

And the sabotaging of the OP's wife's car.

If you see John Nettles run.

Not any more. She's moved in

Thanks for clearing that up
So, what's the problem again? Andy seems to have his wife back and it's not his house that's flooded.
I think we've sorted it guys!
/thread

Car's still broken though......

Is the car flooded as well?

Sorry I missed that bit.

did i mention she was a single Muslim lady?

I assume the Daily Mail are on their way?

Yeah, I think it was the neighbours wife that did it.

In the conservatory. With the plastic pipe.

did i mention she was a single Muslim lady?

I thought she was married, to you?

so is it a detached house or joined to OP's? If it's joined I'd be getting your insurance involved asap

That's one big gas bill from the combi boiler

It won't dry out for months and will certainly neeed plaster pulling off, floorboards taking up.

Other alternative is just to use it as a swimming pool ?

so, who's Brian?

[i]Sorry I missed that bit. [/i]

it's a red herring.

[img] [/img]

Gary_M - Member
I thought she was married, to you?

Foreigners innit, wives everywhere!

so, who's Brian?

These were the exact last words of an unfortunate zebra who was a little hard of hearing.

Gary_M - Member
I thought she was married, to you?

No thats my wife, she isnt her wife. I dont know if she has a wife or not really.

Is there a party wall OP?

detached.

But weve got a nice hedge if that helps?

detached.

Sorry to hear that. We say "consciously uncoupled" these days.

To be honest, you might be better off. Your relationships seem really complicated.

Sell to tickets to a Florida Themeworld Experience.

so back to it, the general jist is to leave her to fester in a wet house?

So you have basically described the start of a cheap dirty movie.

Yeah that'll do or, if you really want to be nice about it, dump her on her family

Nowt dirty with all that water.

[i]cheap dirty movie[/i]

expensive and clean in the OP's not wife's case.

Sorry to hear that. We say "consciously uncoupled" these days.

Genuine LOL!!

Is there a party wall OP?

Or a disco lift?
[img] [/img]

Does she own the house or is she renting it?

If she owns the house but has a mortgage, then the mortgagee will have required her to have buildings insurance cover, even if she has chosen not to insure her contents.

If she has buildings insurance cover, then it is likely that the policy includes cover for alternative accommodation where the house is rendered unhabitable as a result of an insured peril, such as flooding or escape of water.

The buildings insurer needs to be contacted straight away, since delay may increase the damage to the house.

[i] the mortgagee will have required her to have buildings insurance cover[/i]

but after the first year our mortgage company have never checked we renewed?

If she owns the house but has a mortgage, then the mortgagee will have required her to have buildings insurance cover, even if she has chosen not to insure her contents.

and when was the last time your mortgage company checked...

You should probably turn the water off as soon as you can. It's only making it worse.

If it's Bristol area, I have some furniture and misc electrical items that could be donated.

Cant there be some STW DIY SOS moment.

I'd take advantage of the opportunity, go in through her backdoor and paint it white. She may even be grateful in the long run.

Cheers redthunder but i think that
a) its in huddersfield
b) she'll need somewhere to put stuff that i dont think she has.

Ill give her a nice calm talking to tonight.

Interesting about the mortgage and insurance - I've just taken out a new mortgage and it was never mentioned (I insured it anyhow but no one has ever asked to see proof).

No worries. Andy.

Just a thought, hope it pans out for her 🙂 and you.

Well done and bonus Karma points for you.

but after the first year our mortgage company have never checked we renewed?

Typically the mortgagee will require the insurance company to 'note their interest' on the policy. This means that any large insurance claim payment should not be made to the policyholder without checking with the mortgagee first (to stop people with a high loan to value doing a runner with the money), but I suspect that there are also checks whereby the insurance company will tell the mortgagee if the policy is not renewed.

a plastic pipe to the hot water tap upstairs and fed by a combi boiler (ive never had one of these) has broken

Which raises the possibility that she may be able to sue the builder/plumber concerned if it can be shown that they were negligent, e.g. the fitting was not properly secured or the wrong type of fitting/pipe was used. If she has buildings insurance, then the insurance company or their loss adjuster would investigate that and do the work to get their money back. If they were successful in doing so, then that should virtually guarantee that she could also then claim against the builder/plumber/their insurer for the loss/damage of her own contents, although that is obviously going to be a slow process.

Not sure what I should be doing in this situation, if anything?