What does my ID and proof of funds have anything to do with my conveyancing in Canvey Island? Is this really warranted?
It is indeed that case that the requirement set out by your solicitor has nothing to do with conveyancing in Canvey Island. However these days you will not be able to proceed with any conveyancing process if you have not submitting evidence of your identity. Ordinarily this takes the form of a either your passport or driving licence as well as a council tax bill. Please note that if you are providing your driving licence as evidence of identification it must be both the paper element and photo card part, one is not acceptable in the absence of the other.
Proof of the origin of money is necessary under Money Laundering Regulations. Don’t be offended when you are asked to produce this as your conveyancer must retain this information on record. Your Canvey Island conveyancing solicitor will need to see evidence of proof of funds before they are able to accept any monies from you into their client account and they will also ask further queries regarding the origin of monies.
I have been recommended a conveyancing solicitor in Canvey Island. I I am struggling to find out whether they are on the Barclays conveyancing panel. Could you assist?
You should e-mail your conveyancer and enquire whether they can act for the lender. Alternatively please get in touch with Barclays who may be able to help.
My wife and I are buying a property in Canvey Island. It might be a silly question but how we can trust a solicitor? On completion day we have to put funds into their account. What is the protection we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
I have today made my last payment due on my mortgage with HSBC. I assume I don't need a Canvey Island conveyancing practitioner on the HSBC panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your HSBC mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the HSBC mortgage from the register. HSBC, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where HSBC has sent the Land Registry the discharge electronically, and
- HSBC has instructed the Land Registry to do so
I have decided to exercise my right to buy my property in Canvey Island off the council. I have a mortgage agreed with RBS. Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should have one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with RBS, you will need to appoint a solicitor on the RBS conveyancing panel.
Despite weeks of looking the Title Certificate and documents to my property can not be found. The conveyancers who did the conveyancing in Canvey Island 10 years ago have long since closed. What are my options?
You no longer need to have the physical deeds to establish that you are the owner of your registered land or premises, given that the Land Registry hold details of all registered land or property electronically.
I've recently found out that there is a flying freehold issue on a house I put an offer in two weeks back in what was supposed to be a quick, chain free conveyancing. Canvey Island is where the house is located. Can you shed any light on this issue?
Flying freeholds in Canvey Island are not the norm but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Canvey Island you would need to get your solicitor to go through the deeds diligently. Your mortgage company may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Canvey Island may ascertain 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.
My father-in-law has recommend that I appoint his conveyancers in Canvey Island. Should I use them?
No doubt the ideal way to choose a conveyancing solicitor is to get recommendations from friends or relatives who have actually used the conveyancer you're considering.