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Cat Forum / Cat Anecdotes / May 2006Re: UPDATE: Re: City Utilities was here.
"Pat" <pdavis@fidnetspam.com> wrote in message news:2Z-dnZVk76HcFMrZRVn-gw@fidnet.com... > I just spoke with the utility office again. They said my bill was not > estimated, the start reading is the same as the end reading on the previous > occupants' bill. They are insisting that this bill I got is accurate. They > suggested I go talk with the Mayor. > > I guess I'll be talking with a real estate broker instead. Somewhere in your legal documents for buying the house, it should state what the electricity meter was at its last reading before you took over. Ditto with the water. If you used a lawyer to help you with your purchase, they shouldhave that within their documentation as its somethingthey ought to check. If you did it yoruself, you should still have the documents somewhere. Also, talk tot he real estate person you bought the house from, they may also have that info, as should the people who owned the house before you. If youare lucky, the previous owners have kept their electricity bills and they might let you use their last bill as futher proof youare not responsible. Good luck - we're purring fo ryou. Yowie > Somewhere in your legal documents for buying the house, it should state > what [quoted text clipped - 12 lines] > > Good luck - we're purring fo ryou. Thanks Y. There was no realtor or lawyer involved with this purchase, and there's no notation about utilities in the documentation. According to the utility office, the meter was not replaced either. The previous owners did not live in the house, renters did. They had the electricity shut off when they left. I had it reconnected later on. > > Somewhere in your legal documents for buying the house, it should state > > what [quoted text clipped - 17 lines] > There was no realtor or lawyer involved with this purchase, and there's no > notation about utilities in the documentation. You didn't have an attorney check the abstract? Sherry >> There was no realtor or lawyer involved with this purchase, and there's >> no >> notation about utilities in the documentation. > > You didn't have an attorney check the abstract? Title company did that. > >> There was no realtor or lawyer involved with this purchase, and there's > >> no [quoted text clipped - 3 lines] > > Title company did that. The title company just brings the abstract current. They're paid by the seller, and they're really not working in your interest. You can get title insurance, but I don't think that insures against a cloudy title, or liens, just insures that the information within is correct WRT what documents were filed at the courthouse re: transactions involving the house (mortages, tax liens, physician's liens, etc.) I hope everything is okay with it. Liens don't come off a house when it sells unless the release has been filed at the courthouse. Marriage/divorce/deaths can do screwy things to real estate titles. But the good news is, you probably don't have to worry about it unless you go trying to sell it. Sherry >> >> There was no realtor or lawyer involved with this purchase, and >> >> there's [quoted text clipped - 16 lines] > But the good news is, you probably don't have to worry about it unless > you go trying to sell it. In this case I (the buyer) paid the whole fee to the title company, which issued a title insurance policy guaranteeing the title is free of encumbrances. And I am going to sell as soon as I think I can get enough out of it to get into another place. I don't want to live right in town unless I can get into a place that is safe for the cats, like a dead end street with a wild area behind me. > In this case I (the buyer) paid the whole fee to the title company, which > issued a title insurance policy guaranteeing the title is free of > encumbrances. And I am going to sell as soon as I think I can get enough out > of it to get into another place. I don't want to live right in town unless I > can get into a place that is safe for the cats, like a dead end street with > a wild area behind me. With the foxes and coyotes around here, wild areas aren't particularly safe for cats, but of course things may be different in your area. I hope you get your troubles with the bills straightened out so you can enjoy the place.  SignatureCheryl > >> >> There was no realtor or lawyer involved with this purchase, and > >> >> there's [quoted text clipped - 23 lines] > can get into a place that is safe for the cats, like a dead end street with > a wild area behind me. Oh, I get it now. Your title insurance protects you against any defects in the chain of ownership. BTW, have you read your abstract? They're really interesting, from a historical standpoint, on older homes. Maybe you can sell your home sometime down the road and make a good profit on it. Sherry >>>>>> There was no realtor or lawyer involved with this purchase, and >>>>>> there's [quoted text clipped - 34 lines] > > Sherry I read the abstract from my Mom's house when she sold it. It was a transcript of the orinal deeds from way back when John Q Adams, President of US, deeded a sizeable chunk of wilderness to someone - and then it went on to his heirs and whatnot, until the people who sold the lot to Mom & Dad in 1969, and their house was built on it in 1970. > Oh, I get it now. Your title insurance protects you against any defects > in the chain of ownership. BTW, have you read your abstract? They're > really interesting, from a historical standpoint, on older homes. > Maybe you can sell your home sometime down the road and make a good > profit on it. I don't know what an abstract is. > > Oh, I get it now. Your title insurance protects you against any defects > > in the chain of ownership. BTW, have you read your abstract? They're [quoted text clipped - 3 lines] > > I don't know what an abstract is. It's the document that is a collection of bound pages for any transaction that involved the property, from the very first owner. Depending on how times the house has changed ownership, or how many liens have been placed on it, etc. depends on how big it is. Some can have hundreds of pages. Ours only has a few pages. It was Indian allotment land, then my grandfather bought it. So it's only been sold once. The house we had in the city had a huge abstract. Sherry >> I don't know what an abstract is. > [quoted text clipped - 6 lines] > grandfather bought it. So it's only been sold once. The house we had > in the city had a huge abstract. Where/how would I get my hands on this document? >>> I don't know what an abstract is. >> [quoted text clipped - 8 lines] > > Where/how would I get my hands on this document? That should have been part of the title search. If a copy wasn't given to you, be sure to request one now. Also, we can obtain such records (for a fee) from the county courthouse, but I don't know if that is true in all counties. There are two different types of title insurance, and many people don't realize that they have only protected the banks and not themselves. That is, a loan policy protects the lender; an owner's policy protects the owner. A potential property owner should be sure to have both (if the lender requires a loan policy) and *certainly* should obtain an owner's policy. I definitely am not an expert in these matters, but I have bought two homes (albeit 18 years apart). However, I also used an attorney in each case. Here is a web site that you might find interesting to read: http://www.theclosingagent.com/Pages/questions.html MaryL > >> I don't know what an abstract is. > > [quoted text clipped - 8 lines] > > Where/how would I get my hands on this document? When a house is mortgaged, the lender holds the abstract for safekeeping. They're horribly expensive to replace if lost, so they don't take any chances. You can ask your lender to look at it though. Sherry >> >> I don't know what an abstract is. >> > [quoted text clipped - 15 lines] > > Sherry Interesting...a copy came with my papers (but you undoubtedly are correct about the original). I'm a pack rat when it comes to important papers, so I even have all the paperwork from the purchase of my first house (which I sold 10 years ago when I bought this one). MaryL > >> >> I don't know what an abstract is. > >> > [quoted text clipped - 22 lines] > > MaryL Could be that procedure varies from state to state, don't you think? I've never known anyone to have a copy of their abstract, until the original is presented to you at payoff. But there's no reason why a copy couldn't be made. I'm also a packrat in that way. Sherry Sherry >> >> >> I don't know what an abstract is. >> >> > [quoted text clipped - 33 lines] > > Sherry Yes, very likely. It may even vary from county to county. I know there are lots of records that I can easily obtain from the County Clerk's office that seem to vary with filing procedures set up by different counties. Likewise, building codes vary tremendously -- we have codes in the city, but the county area seems to have few; and when we helped my mother sell her home in Ohio a number of years ago, we learned that her county had far more restrictive codes (which I support!) than the surrounding counties. In her case, I am thinking of specific codes concerning how far the leach bed for a septic tank must be located from any running water source. Mary >>> > When a house is mortgaged, the lender holds the abstract for >>> > safekeeping. They're horribly expensive to replace if lost, so they >>> > don't take any chances. >>> > You can ask your lender to look at it though. >>> > Sherry >>> Interesting...a copy came with my papers (but you undoubtedly are >>> correct [quoted text clipped - 3 lines] >>> sold 10 years ago when I bought this one). >>> MaryL >> Could be that procedure varies from state to state, don't you think? >> I've never known anyone to have a copy of their abstract, until the >> original is presented to you at payoff. But there's no reason why a >> copy couldn't be made. I'm also a packrat in that way. >> Sherry > Yes, very likely. It may even vary from county to county. I know there > are lots of records that I can easily obtain from the County Clerk's [quoted text clipped - 7 lines] > any running water source. > Mary Septic tank 411 might be located in county ordinances. As for abstracts: many years ago I worked for a huge title co. which also mortgaged property; I was a lowly filing clerk and had to spend lotsa time in the dark, dusty rooms where all the abstracts were kept (rooms were also fire-proof, I was told). No way would they have handed out peoples' abstracts (originals) to them - LOL - in many cases there one would've needed a big wheelbarrow to haul it around: these books were *FAT*. I had no interest in them at all until I got ahold of one that was a bit thinner (liftable, that is) and started reading.....talk about days of the Indians! Only different Indians, Sherry, the ones living in south FL when it was settled about turn of century 1900. Most homeowners are interested personally in their abstracts to see one of two things (at least they were then) - if some historical happening or person had anything to do with their property way back when, OR if there is/was some odd land defect or characteristic particular to their property. Most abstracts are mega-boring to read..... <snip> > Septic tank 411 might be located in county ordinances. > As for abstracts: many years ago I worked for a huge title co. which also [quoted text clipped - 20 lines] > abstracts > are mega-boring to read..... Yes, I realize that the ones I have would be copies and not originals. On the other hand, I did not realize how large some would be until I read your message. I still have the abstract (or, more correctly, our copy) from when my parents purchased their home in 1946. Very interesting reading, going back through history and including Indians in Ohio (as you said). We used to find lots of arrowheads at the back of their property -- and that was, unfortunately, at a time when we did not have the respect I would have today for keeping and preserving those artifacts of history. MaryL |
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