Completed the sale of my flat in Bagshot last July yet the purchaser is texting every few hours complaining that her lawyer needs to hear from mine. What are the post completion sale legalities following completion?
Following your disposal your lawyer is duty bound to send the transfer deeds and all additional paperwork to the buyer’s solicitors. If applicable, your conveyancer should also confirm that the legal charge in favour of the lender has been paid off to the buyers solicitors. There is unlikely to be post completion tasks just for conveyancing in Bagshot.
The Bagshot conveyancing firm that just started acting on my house acquisition in Bagshot have without warning shut down. I chose them because I needed a firm on the Nottingham conveyancing panel and my preferred Bagshot lawyer was not. I gave my credit card details for them to take £195 for searches. What should be my next steps?
If you have an estate agent involved then let them know straight away so that they can let the sellers know that there may be a slight delay due to reasons beyond your control. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the Nottingham conveyancing panel and notify the lender. If you have paid over any money, it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new lawyers should be in a position to assist.
Completion of my purchase has taken place for my property in Bagshot. Conveyancing was a necessary evil but I would like to complain about the lender. How do I make a complaint?
All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. We understand that complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
After much negotiation I have agreed a price on a house in Bagshot. My mortgage broker recommended their conveyancers. I paid an on account payment of £175. A few days later, the conveyancer called me sheepishly admitting that they were not on the UBS conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the UBS panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.
I've digested plenty of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Bagshot solicitor - who is on the Aldermore conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. Is that normal?
Aldermore will need an independent valuation of the property. Your lawyer will not arrange this. Usually Aldermore will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. Your property lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by your Bagshot postcode. As you are getting a mortgage with Aldermore, you could contact them to see if they have a list of approved surveyors in Bagshot.
Yesterday I discovered that there is a flying freehold element on a house I have offered on two weeks back in what should have been a simple, no chain conveyancing. Bagshot is where the house is located. What do you suggest?
Flying freeholds in Bagshot are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Bagshot you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Bagshot may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold property.
How do I use your search tool to get a costs illustration from a conveyancing solicitor in Bagshot on the panel for my lender?
1st choose a bank such as Barclays , Skipton Building Society or Aldermore then specify your preferred area such as Bagshot. Conveyancing practices in Bagshot and nationally should be shown.
My mother and father are unable to locate their Bagshot property on the HM Land Registry website. They have a vague recollection back in the 70’s when they bought the house there were complications concerning the address not being recognised in some systems.
The vast majority of residences in Bagshot should be revealed. Have you endevoured to search to simply the postcode. Usually it should disclose all the properties inside that postcode. Assuming the property is registered it will show up with a title number. If they bought 48 years ago it's conceivable it may be not yet registered. The address could still be revealed but with the title number identified as 'na'. In this scenario you will need to locate the original title deeds which could be with your parent’s mortgage company.