16 Feb 19
The Scottish Sun
YOUR empty nest may be feeling rather full again, with a million more young adults living with their parents than two decades ago. That is according to recent figures from think tank Civitas.
From “boomerang” kids who come back to save for their own pad to thirtysomethings who never left home in the first place, multi-generational families are fast becoming the norm.
Here’s how to adapt your home for ‘boomerang’ kids or thirtysomethings who never left home
Michael Holmes, property expert for the National Homebuilding & Renovating Show, said: “Plan for the long term, as the reasons kids come back home – high house prices and land shortage – won’t be changing overnight.”
He has the following tips to help you cope.
Give yourself space. If it’s a stopgap arrangement major changes won’t be worthwhile. But if the plan is for the foreseeable future, think about creating a separate living unit with its own door.
Expand your home. Add living space through an annexe such as a loft, garage or basement. Decide whether you want an interconnecting door between the annexe and the main house.
Sort the storage. Your kids will be coming back with lots of personal items and furniture. If you can’t do big building work, add cupboard space where you can.
Get some separation. If the decision is to live together rather than create an annexe, try to split your living space in two. Parents and kids may work, rest and play at very different times of day.
Update the decor. If your kids are going back to their old rooms, they may need refreshing. If they have partners and children of their own now, take that into account too.
[boxout headline=”OAP home loans” intro=”SOARING house prices mean more of us will still be paying off our mortgages in our old age – and new figures reveal a boom in OAP home loans.”]
Back in 2008, not a single lender offered mortgages to Brits in their eighties.
Now there are 1,078 products on offer, according to moneyfacts.co.uk.
Buy of the week
NEWPORT in South Wales is the UK’s newest property hotspot, with Land Registry data revealing the biggest jump in house prices of any UK town or city last year.
But the city is still relatively affordable.
Buy of the week is this four-bed semi with a garage in Newport, South Wales
This impressive four-bed semi with a garage is yours for £220,000 at zoopla.co.uk/for-sale/details/50360213.
Deal of the week
This designer-style side table will update any room
PINK isn’t just for Valentine’s Day. This pretty designer-style side table will update any room and is just £44.39 at maisons dumonde.com/uk.
SAVE: Up to £100 compared to designer styles.
[bc_video video_id=”5834885342001″ account_id=”5067014667001″ player_id=”default” embed=”in-page” padding_top=”56%” autoplay=”” min_width=”0px” max_width=”640px” width=”100%” height=”100%” caption=”What is Pocket living all about? Watch to find out how & why we make our first time buyer homes for city makers in London “]
Judge Rinder answers your questions
Q: I LIVE in a semi-detached house and my neighbour has had solar panels fitted to her roof. We now have pigeons gathering on there and they have made nests under the panels, causing a lot of noise and mess.
I have spoken to my neighbour regarding this but she said she could not afford to have the guards fitted to stop them.
Is there anything else I can do to get her to remedy this problem? Sarah, Derby
A: Before you can take any legal action here you will first have to prove that these solar panels are attracting the pigeons.
You will then have show they are causing a nuisance to your property – ie they’re excessively noisy and creating a mess on your side of the shared roof space. It seems to me that you can quite clearly prove this. It also appears that the problem is easily resolved by a guard being placed under the panels.
As your neighbour made this modification, it is up to her to pay. She cannot cause damage to your side of roof. I would write to her in very gentle terms making clear that you are concerned about the damage to the roof and the noise, making clear it is her legal obligation to make all necessary modifications.
If she refuses, you could take legal action but, if you manage this carefully (including perhaps offering to pay something small towards the guard) you should be able to resolve this outside the courts.
Judge Rinder, The Sun’s legal expert, answers your questions
Q: BEFORE Christmas my partner and I booked a holiday online. I was named as the lead passenger.
Since the booking was made, we have separated and I plan to go on the holiday alone. However, my partner has accessed the booking and made changes that have made it more expensive.
I have read the T&Cs for the online travel agent, which say that only the lead passenger can make changes to the booking – but my ex-partner has been allowed to, which I believe breaches their contract with me.
They’re insisting that I have to pay in full. Martin, Northampton
A: If that is what the terms and conditions say then you are within your rights to refuse to pay the higher price. Quite often trips for single travellers are more expensive, so it is certainly possible that the travel company has calculated the enhanced fee accurately.
That is not the point, however. The issue is that the travel company has breached its contract with you and, quite possibly, other laws relating to data protection by letting someone amend the booking without your consent.
If you have been charged penalties which you were not informed of or clearly warned about, this is simply unlawful.
You need to get in touch with the head of this travel company at once and demand the return of all of these additional charges.
If they refuse, write to their regulator (Abta or Atol) who will point you in the right direction.
Q: IN November 2016, I was referred to a woman who could make a dress for my wedding in May 2017.
We discussed everything from timescale to cost. She said she needed a £500 deposit and the dress would cost £850. But after this, she cancelled or delayed all our meetings and fittings.
When I managed to meet her at the end of January 2017, I saw the dress had barely progressed. She pushed back our next meeting and I decided to cancel the order, worried the dress would never be ready.
She agreed but said she could only pay back £250 of the deposit as some of it had already been spent on fabric. I agreed a plan where she would pay it in monthly instalments.
Two years on, I still don’t have the money. What can I do? Chanelle, Reading
A: You have an enforceable contract. You paid for goods that have not been provided and you cancelled within a reasonable period of time.
Email this woman making clear she has a further 28 days to pay the total sum in full or commence her payments as agreed.
If she does not, tell her you will take her to the small claims court.
[article-rail-section title=”most read in money” posts_category=”34″ posts_number=”6″ query_type=”popular” /]
Mel Hunter fights for your rights: Dad’s cash is locked up
Q: WHEN my father died in 2017 his Halifax bank account was in both his name and mine, as his only daughter.
In November 2018, after his mortgage had been settled, there was a small amount left over which I asked to be sent to me by cheque.
Halifax asked for a death certificate, which I forwarded, and also a copy of the probate. I explained that there was no probate in this case, but Halifax said nothing could be done without it.
To solve the stalemate over this relatively small sum, I suggested donating it to charity, but again the Halifax told me that this could not be done.
Finally in December a cheque arrived addressed to my father but it can’t be paid into the bank as his name has been removed from the account. Lee Smith, Stockport
A: You did try to explain to Halifax that they had issued a cheque to someone who was no longer alive and who no longer had an account.
You’d explained that, as his only daughter and benefactor, you had power of attorney. Yet you were left whistling in the wind.
I contacted the Halifax. They admitted a mistake had been made and a cheque could have been reissued under you name once they’d received your dad’s death certificate. A spokesman told me: “We apologise that the service we provided to Mrs Smith has fallen short of our usual standards.”
The bank gave you compensation, which you kindly donated to The Christie Hospital, which provides cancer care in your area.
The mobile data I pay for has not been touched for months and no calls have been made since I lost my handset
Q: YEARS ago I took out a phone contract with Three in my name for my son, who was then a minor.
In January 2017, we got the contract put in his name and I upgraded my contract with Three, keeping the numbers we’d been using for years. We also took out insurance for new phones.
We had no problems until my son damaged his device and was told he could not claim on his insurance as his device did not match the one on his contract.
I then lost my handset and also tried to claim on my insurance.
That’s when we found out our names had been switched on the contracts – my name was attached to his number and vice versa.
This means I cannot cut off the lost device as it would mean disconnecting my son, who is overseas and cannot sort this out himself. Three must see that the data I pay for has not been touched for months and no calls have been made since I lost the handset back in July. Wayne Cox, Beds
A: You could not see any alternative to terminating your contracts and getting new numbers for both of you.
I thought there had to be another way and got in touch with Three.
They agreed to send a replacement SIM and swap your numbers back to the right accounts.
Three apologised, saying their checks usually ensure the right information is allocated to accounts but in this case there was “confusion”.
Unfortunately the insurance policy only covered damage rather than loss, so you weren’t able to get a new phone.
Three did agree to refund a month’s line rental so at least some of the money you’d lost is back in your pocket.
[boxout headline=”Coupon Queen Maddy Tooke’s best bargains”]MY top five freebies this week are: Ideal Home Show tickets for Olympia London from March 22 to April 7 from moneysavingexpert.com. Request your tickets through bit.ly/freeidealhomeshow.
Pamper yourself with a Lancome Absolue soft cream sample. Request yours from bit.ly/freelancomesoft. Available while stocks last, so be quick. Still on the beauty front, get a Make Up For Ever lipstick sample in shade c211 from Debenhams for Beauty Club members. Head to your nearest Debenhams with a Make Up For Ever counter to collect while stocks last. See bit.ly/freelipsticksamplec211.
Book a pet workshop for kids this half-term with Pets At Home through bit.ly/petsathomeworkshop. Spaces are limited.
Or enjoy a hot drink and mini pudding when you sign up to the Vintage Inn email newsletter at bit.ly/vintageinnfreedrinkpud.
Ten best deals
GET £10 off when you buy two games at ao.com with code GAME10 from quidco.com. Expires February 24. See bit.ly/10offgames.
Save £5 on Hobbycraft orders of £30+ with the vouchercloud.com code JANUARY. Expires tomorrow. Head to bit.ly/5offhobbycraft.
Get 50 per cent off at La Tasca with voucher from Groupon. Limited availability. Get your voucher from bit.ly/50offlatasca.
Save £10 on River Island orders over £65 and get free delivery with the vouchercodes.co.uk code available from bit.ly/10offriverisland65.
Get £10 off orders over £50 at Superdrug with the vouchercodes.co.uk code CKY0219 or £15 off orders over £70 with code SPR0219. Ends tomorrow; bit.ly/superdrug10off.
Be crafty this half-term for less with 20 per cent off orders from The Works. Use the code VCUK20 from vouchercodes.co.uk at the online checkout. See bit.ly/20offtheworks.
Kids eat free at Giraffe this weekend and during half term. Get your voucher at bit.ly/kidseatfreegiraffe. Only one voucher needed per group of up to six.
Get 15 per cent off the Two Together railcard. The railcard saves two adults travelling together a third on off-peak rail fares. Normally £30 but with code VDAY15 it is £25.50. Offer ends 11:59pm on February 19. Order at bit.ly/15offrailcardtt.
Save £10 on Jack Wills orders over £60 with the vouchercodes.co.uk code VCUKSS19W2 or get £20 off orders over £80 with the code VCUKSS19W2. Codes expire tomorrow. See bit.ly/10offjackwills.
Get £15 off orders over £60 at BrandAlley using the vouchercloud.com code LOVEBRANDALLEY. Deal expires on February 22. See bit.ly/15offbrandalley.
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