I need help

apparently u cant sell a house without 1 jacs so looks like ur gonna have to pay it hun ive searched 4 information on this and they all say the same u must have it in place whilst ur selling ..ring ur solicitor he /she will know

Jacs, you may need to seek some further advice regarding this. A quick search in google shows lots of information on HIP's.

I did find this though which may help:

What about sellers who cannot afford the up-front costs?

It should be possible to defer payment of all, or some of the costs until the property is sold, as happens with estate agents' fees in many places.

That implies that the money can be deffered till after the sale of the property. However, seek information from perhaps CAB

i was gonna suggest contacting your local CAB office as i dont really know much about properties etc. keep us up dated on the situation and hope u sort it

cab waste of time. IF it does DEFFINITLY does NOT state a time limit on the agreement then it's a no brainer. dont worry bout over draft hun. all you need to is let them take it on the 1st (check to see if they taken it) then ring bank up and squeek like hell coz you didnt authorise it to be taken out, the bank has no choice BUT to recall it. bring up about the charge you will get for going over the limit and yet again POINT out that you did NOT authorise for the money to be taken out and you not liable for any charges incurred.

are u able to scan/photo the whole agreement and e-mail it to me? if so plz do fairly quickly.

Jacs you can trust Mooooooosey he knows what he's doing ........done lots to get bank charges back for loads of people.............he doesnt just talk the talk he fights the talk

dont brag toooo much plz foxy, well ok a little.......... and for those who dont know, i used to hide behind the sofa from threat letters ect..... NOW me like a dog waiting for the postie. My last case was against barclays earlier on this year, the muppets decided to call my bluff and unlucky for them I won a CCJ against them :D

Plz jacs some how get a copy of agreement to me asap even if by foxy

I know you can't sell a house without an information pack. I would contact your Local CAB office on Monday for advice. My work is closely linked to an Estate Agent so I would have thought that the Solicitor or Estate Agent handling the sale should have sorted this for you?

sorry cant help but wish you all the best jacs hope everything works out ok but please keep us updated cos it could help a lot people in same situation

I have been to the estate agent this am and they have a different copy which i signed, different to the one i got, the 9months is on there so i guess i have to pay...Its a nightmare.

I do know i have no choice in having a HIP, just thought (cos nothing was said to me) that would be charged when house is sold, its looking like my copy means nothing.

Thanks anyway people for your input....