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‘Half my stuff got stuck in Milton Keynes’: Removal firms struggle to cope with stamp duty rush

Voice Of EU



Blackbirds and starlings are singing. Over the fields in the distance I can see the July morning sunlight glinting on a sandy bay.

It’s the first day in the farmhouse we have just bought in the Scottish Borders; a dream come true, frankly.

And yet I am stressed as hell. I moved on Wednesday, but only half my stuff arrived at the new house. It wasn’t until 6pm that I learned that the rest was in a lock-up 300 miles south in Milton Keynes and it wouldn’t be arriving for a further 48 hours.

On the move: As many as 100,000 people are moving house each month; paying on average about £1,200 to use a removal service

On the move: As many as 100,000 people are moving house each month; paying on average about £1,200 to use a removal service

So I am writing this with the computer perched on a packing case. As for the kitchen table, three legs are propped in a corner. 

I heard one of the removal guys saying they hoped the fourth was on the other van. I hope so, too.

I have got off lightly. Up and down the country the national blood pressure has reached an unprecedented high level this week as homeowners rushed to complete their transactions and moves before the stamp duty ‘holiday’ ended yesterday.

There simply are not enough removal companies to cope. As many as 100,000 people are moving house each month; paying on average about £1,200 to use a removal service. 

The median distance moved by UK homebuyers in 2020 was 10 miles, an increase of 1 mile from the 2019 average.

It’s estimated that every 100 miles adds £100 to the bill. A light has been shone on the removals business and what it reveals is not always pretty. My removals team arrived about 4pm and finally left just before eight.

I had a testy conversation with the ‘team leader’ before he left about the ‘missing’ truckload of stuff. I was just getting into my stride when a thought occurred: ‘Hang on, are you driving back tonight?’

They were. Another six hours on the road. I let him go. For all the stress we housemovers are under, spare a thought for the people shifting the boxes.

May their bonuses reflect the incredibly hard graft they are putting in; pretty cheerfully, in my team’s case.

‘I have never seen a period like the last ten days,’ says Raz Hussein, owner of the removal company I used, Daniel Adams of Milton Keynes in Buckinghamshire.

In demand: But there simply are not enough removal companies to cope with the high number of people moving home

In demand: But there simply are not enough removal companies to cope with the high number of people moving home

Ian Studd, director general of the British Association of Removers (BAR), has a bleaker message: ‘Many moves may not have been completed by the stamp duty deadline. There was not sufficient availability to cover the demand.’

BAR has 450 UK removals companies on its books, completing 280,000 home moves in Britain during an average year.

Yes, I can hear the bleak laughter from hundreds of frustrated movers. ‘Ahh, you’re missing a leg from your kitchen table. Poor you.’

At least my deal went through smoothly and I got a removal company.

Pressure has been building up in the property chains for weeks as solicitors triaged clients. Only after exchange can you confirm your contract with the removers.

I was moving the contents of a large house 360 miles north. It suddenly looked as if there’d be no one to move us. 

Tips for a smooth house move 

  • Ask for evidence of professional qualifications (eg membership of a removals trade body).
  • Carry out due diligence on who you may be inviting into your home. British Association of Removers’ (BAR) membership can be verified by clicking on Trading Standards’ TSI logo found on members’ own websites.
  • Ask for references.
  • Look for feedback reports and customer reviews.
  • Always get a minimum of two quotations. Quotes must be considered on a like-for-like basis (i.e. Is the service provision described exactly the same) and not simply on the price at the bottom of the page.
  • Check the T&Cs for potential additional charges and how/when they may be incurred.
  • Allow sufficient time for all of the above to happen and a formal contract offer to be made and accepted.
  • Finally, don’t move on a Friday (everyone else does).

But Daniel Adams came through. The question remains: have companies such as these grasped at every piece of business they can without considering whether their logistics can cope?

Raz Hussein denies this. He says the extra pressure ‘was not about how many jobs we took on, but the date changes that customers were experiencing due to chains trying to complete before June 30.’

Daniel Adams chose not to belong to the BAR. ‘It’s a paid subscription and we opted not to be members,’ says Hussein.

Ian Studd thinks it’s not always a question of fees. He says the BAR rigorously audits every company it deals with. Not all satisfy the selection criteria and some companies are asked to leave. He continues to ‘bang the drum’ about the lack of regulation in the removals industry.

‘There is nothing to stop a person buying a transit van today and calling themselves a removals expert tomorrow. This can leave the consumer at risk of being ‘gazumped’ at short notice.’

He also points out that I chose his company even though they are not BAR members. Well, at that stage I didn’t have much choice.

What will I do next time?

Outside the window, the lambs bleat and a deer leaps gracefully through a dewy field. It feels like the forever home. Just as well. I’m not going through all this again.

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Facebook admits high-profile users are treated differently

Voice Of EU



Facebook’s oversight board said the social media company hadn’t been “fully forthcoming” about internal rules that allowed some high-profile users to be exempt from content restrictions and said it will make recommendations on how to change the system.

In the first of its quarterly transparency reports published Thursday, the board said that on some occasions, Facebook “failed to provide relevant information to the board,” and in other instances the information it did provide was incomplete.

For example, when Facebook referred the case involving former US president Donald Trump to the board, it didn’t mention its internal “cross-check system” that allowed for a different set of rules for high-profile users.

Facebook only mentioned cross-check, or XCheck, to the board when asked whether Trump’s page or account had been subject to ordinary content moderation processes.

The cross-check system was disclosed in recent reporting by the Wall Street Journal, based in part on documents from a whistle-blower.

The journal described how the cross-check system, originally intended to be a quality-control measure for a select few high-profile users and designed to avoid public relations backlash over famous people who mistakenly have their posts taken down, had ballooned to include millions of accounts.

The oversight board said it will undertake a review of the cross-check system and make suggestions on how to improve it.

As part of the process, Facebook has agreed to share with the board relevant documents about the cross-check system as reported in the Wall Street Journal. – Bloomberg

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Green mortgages may leave owners of older homes unable to sell

Voice Of EU



Estate agents warn owners of older homes, rural houses and listed properties could struggle to sell under green mortgage plans

  • Boris Johnson has unveiled his plans for turning Britain green by 2050 
  • The plans include proposals on how to make the housing stock greener 
  • The plans would see lenders disclose the energy performance of properties

Homeowners living in older, rural and even listed properties risk being unable to sell if strict green finance targets are introduced, estate agents have warned.

The warning comes after Boris Johnson unveiled his plan for turning Britain green by 2050 this week, with mortgage lenders having targets for the energy performance of properties in their portfolio.

A body that represents estate agents across Britain claimed that the property market could be distorted as a result of the measures and called for Britain’s historic housing stock to be taken into account.

Boris Johnson revealed proposals on how to make the housing stock greener this week

Boris Johnson revealed proposals on how to make the housing stock greener this week

Timothy Douglas, of Propertymark, said: ‘Incentivising green improvements to properties via lending creates risks of trapping homeowners with older properties, those who live in rural areas, listed buildings or conservation areas, making their homes difficult to sell and therefore reducing the value.’

Propertymark said that those living in older properties could be left with homes that they could not sell if buyers were unable to secure finance on them due to their lower energy efficiencies.

The effect would be likely to be felt more by less wealthy owners, as deep-pocketed buyers would be more able to overlook mortgage restrictions and high-end older homes would continue to be desirable.

Mr Douglas said: ‘The use of targets could distort the market and sway lenders towards preferential, newer homes in order to improve the rating of their portfolio.

‘Stopping a large portion of housing stock from being able to enter the market could cause havoc for home buying and selling as well as the wider economy.’ 

He added that improving the energy efficiency of homes should be reliant on consumer choice and not something enforced by mortgage lenders, with all the knock-on effects this could entail.

He said: ‘We would be concerned if lenders raise rates and limit products because fundamentally, improving the energy performance of a property is reliant on consumer choice and it is not the core business of mortgage lenders.’

Mark Harris, of mortgage broker SPF Private Clients, said: ‘The green agenda is not new but there is increasing impetus behind it. There are more green mortgage products aimed at those purchasing more energy-efficient properties – A-C rated, and not just from specialist lenders but the high street banks too.

‘However, there is a real danger that green initiatives could create the next round of mortgage prisoners if homeowners are trapped in older homes that can’t be improved, so they can’t move because they can’t sell them on.

‘Without changes or improvements, lenders may restrict lending to lower loan-to-values, higher pricing, or not lend at all. This could penalise those who are unable to adapt to or adopt new efficient technologies economically.’

A UK Finance spokesperson said: ‘Greening our housing stock is vital if we are to meet our climate change obligations and banks and finance providers are committed to helping achieve this goal and making sure consumers are not left behind.’

Ways to boost energy efficiency  

Propertymark recommends three measures to improve the energy efficiency of homes without negatively impacting the housing market.

1. Improvements linked to an EPC

These include linking a plan for energy efficiency improvements to the recommendations on a property’s Energy Performance Certificate.

It could demonstrate the ‘most suitable route’ to a warmer home, regulatory compliance and zero carbon, according to Propertymark.

2. Tax breaks

It also recommends using tax breaks to incentivise homeowners to finance energy efficiency improvements.

For example, these could include making energy improvements exempt from VAT or offering lower rates of council tax for homes that have been made more energy efficient.

3. Adjustable tax rates

An adjustable rate of property tax that is tied to energy performance is also being recommended by Propertymark.

This could be done in two ways, it suggested. First, by applying the adjustment as a reduction on more energy-efficient properties. And second by offering rebates to buyers if energy efficiency improvements are made to less efficient properties within a certain time period after purchase.

Propertymark said that by linking energy performance with property taxes, this could help introduce increased saleability for more energy-efficient properties. In addition, it suggested that improvements would become standard for homeowners seeking costs and improve the desirability of their homes.


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Johnson rules out face masks as UK’s daily Covid cases rise above 50,000

Voice Of EU



Daily coronavirus cases in Britain have risen above 50,000 for the first time since July, but Boris Johnson said he will not bring back compulsory face coverings or introduce vaccine passports.

Speaking in Northern Ireland, the prime minister said his government was holding firm to its policy of no legal restrictions introduced in July, but was watching the numbers carefully.

“The numbers of infections are high but we are within the parameters of what the predictions were,” he said. “We are sticking with our plan.”

Mr Johnson acknowledged the “patchiness” of Britain’s vaccination programme, urging people to come forward for their booster jabs as soon as they are invited to do so. But Labour leader Keir Starmer said the government should beef up the programme, ensure that more children were vaccinated and aim to deliver half a million jabs a day.

“The government said that the vaccine would be the security wall against the virus and now the government is letting that wall crumble,” he said.

“We’ve seen those that most need it not able to get the jab they need. Only, I think, 17 per cent of children have got the vaccine. And the booster programme has slowed down so much that at this rate we’re not going to complete it until spring of next year. So the government needs to change these, it needs to get a grip. I think it needs to drive those numbers up to at least 500,000 vaccines a day.”

Vaccine passports

The British Medical Association (BMA) accused the government of “wilful negligence” in not bringing back some restrictions, and of failing to learn the lessons of a parliamentary report last week about its handling of the pandemic. The association’s chairman, Chaand Nagpaul, said doctors could say categorically that it was time to bring back compulsory face masks and to introduce vaccine passports.

“By the health secretary’s own admission we could soon see 100,000 cases a day, and we now have the same number of weekly Covid deaths as we had during March, when the country was in lockdown,” he said.

“It is, therefore, incredibly concerning that he is not willing to take immediate action to save lives and protect the NHS. ”

Health secretary Sajid Javid warned this week that some restrictions could be introduced if the public failed to exercise caution and to take up vaccination offers. He acknowledged that Conservative MPs could show an example by wearing masks in the House of Commons, but house leader Jacob Rees-Mogg on Thursday rejected the suggestion.

Crowded spaces

“There is no advice to wear face masks in workplaces. The advice on crowded spaces is with crowded spaces with people that you don’t know. We on this side know each other,” he told the SNP’s Pete Wishart.

“Now, it may be that he doesn’t like mixing with his own side, wants to keep himself in his personal bubble. He may find the other members of the SNP – who I normally find extraordinarily charming…but we on this side have a more convivial fraternal spirit, and for our calling the guidance of her majesty’s government.”

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