Am I correct in assuming that the fact that my conveyancer in Chelmsford is not identified on my lender's solicitor panel that there is a problem with the standard of her conveyancing?
It would be unwise to jump to that conclusion. There are plenty of reasonable explanations. A recent report by the solicitors regulator revealed that over three quarters of law firms surveyed had been removed from at least one lender panel. The top 5 reasons are as follows: (1) lack of transactions (2) the lawyer is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. If you are concerned you should contact the Chelmsford conveyancing practice and enquire why they are no longer on the approved list for your bank.
As a novice what is the most important piece of guidance you can impart about purchase conveyancing in Chelmsford?
Not many law firms or advisers will tell you this but conveyancing in Chelmsford or throughout Essex is an adversarial experience. Put another way, when it comes to conveyancing there exists an abundance of opportunity for confrontation between you and other parties involved in the legal transfer of property. For example, the seller, property agent and sometimes the lender. Selecting a lawyer for your conveyancing in Chelmsford is a critical decision as your conveyancer is your adviser, and is the ONE person in the transaction whose interest is to act in your best interests and to keep you safe.
We are witnessing a distinct creep of a "blame" culture- someone must be blamed for the process being so protracted. You your first instinct should be to trust your lawyer ahead of all other parties in the home moving process.
Can you point me to a directory of Co-operative panel conveyancers in Chelmsford on the UK Finance Lenders’ Handbook Website?
No. There is no such facility on the Council of Mortgage Lenders or Building Society Association sites. Very few banks make their panel listings visible on the web. Where you are in need of a Chelmsford conveyancer on the Co-operative please use our facility.
I am expecting a OIP from Aldermore this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Aldermore recommend any Chelmsford solicitors on the Aldermore conveyancing panel, or is it better to go independently?
You will need to appoint Chelmsford solicitors independently although you'll need to choose one on the Aldermore conveyancing panel. The solicitor represents both you and Aldermore through the process.
The formalities of my purchase has taken place for my property in Chelmsford. Conveyancing was of an acceptable standard but I would like to complain about the lender. How does one go about formally complaining?
All lenders have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. We understand that complaints to a lender are resolved very quickly. 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 who will take matters further.
I am buying a property and the solicitor has referenced Chancel Repair for which the property may be obligated to pay given it’s proximity to the area of such a church. He has suggested insurance. Is this really appropriate for conveyancing in Chelmsford
Unless a previous acquisition of the house took place post 12 October 2013 you can take it that solicitors delivering conveyancing in Chelmsford to remain recommending a chancel search and or chancel repair liability policy.
Despite weeks of looking the Title Certificate and documents to our house are lost. The conveyancers who conducted the conveyancing in Chelmsford 4 years ago are no longer around. What are my options?
Gone are the days when you need to hold title deeds to prove you are the owner of your registered land or premises, given that the Land Registry have everything they need in a digital format.
Is it true that a Chelmsford conveyancing company has court proceedings brought against them by clients for not carrying out the right conveyancing searches?
We are not aware of such a Chelmsford conveyancing matter but it has been reported that, a couple buying a house elsewhere in England successfully sued their lawyer due to development permission to build a wind farm not being picked up in conveyancing searches.
If you are thinking of buying a home in Chelmsford It is essential that your property lawyer purchase all Chelmsford conveyancing searches necessary to ensure you have accurate and current information ahead of acquiring a home in Chelmsford.