It is is a decade since I acquired my house in Chafford Hundred. Conveyancing lawyers have just been retained on the sale but I can't track down the title documents. Is this a problem?
You need not be too concerned. First there is a possibility that the deeds will be retained by your lender or they could be in the possession of the lawyers who acted in your purchase. Secondly the chances are that the title will be registered at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Almost all conveyancing in Chafford Hundred involves registered property but in the unlikely event that your home is unregistered it is more problematic but is resolvable.
We are getting the release of further monies on our mortgage from Barclays as we want to carry out a loft conversion to our property in Chafford Hundred. Do we need to choose a high street Chafford Hundred solicitor on the Barclays conveyancing panel to handle the legals?
Barclays would not normally require firms on their approved list of lawyers to deal with the formalities. If they do require any legal work then you would need to ensure that such a lawyer was on the Barclays conveyancing panel.
We were going to get a OIP from Skipton this week so we know how much we could potentially offer as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Skipton recommend any Chafford Hundred solicitors on the Skipton conveyancing panel, or is it better to go independently?
You will need to appoint Chafford Hundred solicitors independently although you'll need to choose one on the Skipton conveyancing panel. The solicitor represents both you and Skipton through the process.
Completion of my remortgage has taken place for my property in Chafford Hundred. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge 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. In most cases complaints to a lender are resolved effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
The deeds to our property are lost. The solicitors who dealt with the conveyancing in Chafford Hundred 4 years ago no longer exist. Will I be able to sell the house?
Gone are the days when you need to have the physical official documentation to prove you are the owner of your registered land or property, as the Land Registry have everything they need in a digital format.
I am buying a new build house in Chafford Hundred with a mortgage from Coventry Building Society. The developers refused to move on the amount so I negotiated £7000 of extras instead. The property agent suggested that I not reveal to my conveyancer about this extras as it may put at risk my loan with the lender. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Are there any apps to assist me to locate a Chafford Hundred solicitor on the The Royal Bank of Scotland conveyancing panel? I have a car and am prepared to travel upto 20miles to meet the conveyancer.
You can use the tool on this website. Please pick a bank and your location and you will see a number of Chafford Hundred conveyancing lawyers locally. We have detailed some Chafford Hundred conveyancing firms at the bottom of this page and you can telephone them to see if they are on the The Royal Bank of Scotland member panel
Been reading online that Chafford Hundred solicitors are more costly than licensed conveyancers in Chafford Hundred to use when buying a house. So is it better if I use a conveyancer or a solicitor where I am buying a house in Chafford Hundred.
When it comes to conveyancing in Chafford Hundred the costs are unlikely to vary dramatically depending on whether the legal expert is a licenced conveyancer or solicitor.