Covenants

[mind_the_goat]

I'm not allowed to build any sort of hospital or mental institution, the jury's out on the second one.

 

[Lons]

I'm not allowed to build any sort of mental institution

Hmm... that's a shame, could be useful to house some of those cyclists over on the cycle lane thread (hammer)

 

[devonwoody]

My neighbour purchased insurance from an insurance company (PRU) in case the covenant holder ever tried it on his property, we have lots of them in our area, the old Singer estate (thihnk sewing machines) was a big landowner. But the covenants do no seem to be worth the paper they are written on to later purchasers.

 

[Phil Pascoe]

I believe this is the one to be careful of -
https://en.wikipedia.org/wiki/Chancel_repair_liability

 

[Wuffles]

I believe this is the one to be careful of -
https://en.wikipedia.org/wiki/Chancel_repair_liability

Interesting that one. If you find out whether you might be liable before taking out the indemnity policy they may not let you take a policy out, and if they do it's at an inflated cost...it's not insurance then, it's assurance I suppose. However, take out the policy beforehand not knowing whether you'll ever need it, it's a hundred quid or so. Gamble!

Just been through it with a purchase vaguely near a church on my Wife's pier de merde in Swindon.

 

[Woody2Shoes]

The guy who dreamed up that chancel repair thing must be laughing all the way to the bank (him and his mates in the insurance industry) - what a nonsense!

 

[Phil Pascoe]

God. It's his fault.

 

[Mark Hancock]

I believe this is the one to be careful of -
https://en.wikipedia.org/wiki/Chancel_repair_liability

I came across this when buying my place and through research found it was due to be stopped so didn't worry about it. I believe it ended around 2014.

 

[stuartpaul]

I believe this is the one to be careful of -
https://en.wikipedia.org/wiki/Chancel_repair_liability

It is actually a very complicated area and it has been modified but not stopped.

If you get 'caught' by chancel repair it can be very expensive. A quick search found a number of cases although they tend to be older ones.

We're in the process of moving and on the advice of our solicitor purchased the insurance. Turned out to the premium was cheaper than the search involved. On that basis well worth the money.

You may consider it a nonsense if you wish!

 

[Phil Pascoe]

I believe this is the one to be careful of -
https://en.wikipedia.org/wiki/Chancel_repair_liability

I came across this when buying my place and through research found it was due to be stopped so didn't worry about it. I believe it ended around 2014.

We bought in Dec '14 and were advised (told we would be extremely foolish, for what it cost) to get it by a very experienced conveyancer.

 

[Wuffles]

I believe this is the one to be careful of -
https://en.wikipedia.org/wiki/Chancel_repair_liability

I came across this when buying my place and through research found it was due to be stopped so didn't worry about it. I believe it ended around 2014.

Really? I think you might want to research that again, could become a costly error.

From The National Archives:

The Land Registration Act 2002 states that from 13 October 2013, new owners of land will only be bound by chancel repair liability if it is entered in the land register.


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[mind_the_goat]

These indemnity policies seem to be a bit of a fad, or solicitors are on commission. when we bought our current place our solicitor spent a lot of time arguing with the seller's solicitor about what policies were needed and who was to pay for them, we also had the chancel one which we agreed to pay for. The prices were not that high to be honest. when we finally completed, both sides completely forgot and we didn't get any policies at all, we didn't even realise until much later. If you read the small print you may find that these policies become void as soon as you make any alteration to your property. In our case we would been covered for less than year, even if had got the cover.
I'll have to check our land registry documents now to see if the chancel liability was entered. Having just looked at Wikipeadia I'm trying to figure out what connection our house has the church at all, we are miles from the parish church and I am not aware of any connection.

 

[Wuffles]

These indemnity policies seem to be a bit of a fad, or solicitors are on commission. when we bought our current place our solicitor spent a lot of time arguing with the seller's solicitor about what policies were needed and who was to pay for them, we also had the chancel one which we agreed to pay for. The prices were not that high to be honest. when we finally completed, both sides completely forgot and we didn't get any policies at all, we didn't even realise until much later. If you read the small print you may find that these policies become void as soon as you make any alteration to your property. In our case we would been covered for less than year, even if had got the cover.
I'll have to check our land registry documents now to see if the chancel liability was entered. Having just looked at Wikipeadia I'm trying to figure out what connection our house has the church at all, we are miles from the parish church and I am not aware of any connection.

Like I said, it's a gamble


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[Phil Pascoe]

It was common apparently for the church to own farms - which would explain the distances involved. The rents were the vicars wages, and the highest paid vicar in the mid 1800s was from a parish in Cambridgeshire (iirc) who was paid the equivalent of £13,000,000 per annum. That's a lot of rent - a lot of land. The church of course never missed a trick when it came to extorting money from people.

 

[Cordy]

In the 1980s the Church of England kindly sold me some freehold land, it was part of a grave-yard which they couldn't use for burial

Covenants included no loud music and not to be used for Bawdy purposes
The Arch-Bishop had to deconsecrate the ground