Finally the sale completed on my house in Crawley last April yet the purchaser is texting daily complaining that his solicitor needs to hear from mine. What should have happened now that I have sold?
Post completion of your disposal your lawyer is obliged to deliver the transfer deeds and all supplemental paperwork to the purchaser's conveyancer. If applicable, your conveyancer must also evidence that the legal charge in favour of the lender has been discharged to the purchasers lawyers. There are no post completion formalities unique to conveyancing in Crawley.
We're in Crawley, First time buyers buying with a mortgage (lender is HSBC , and our lawyer is on the HSBC conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the HSBC conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancing practitioner should guarantee a timeframe for your conveyancing, due to third parties outside of your control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain.
The formalities of my remortgage has taken place for my property in Crawley. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Almost 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 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 with full details of your complaint.
I can not work out if my lender obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Crawley building society branch on numerous occasions and was told they are content with the situation and they would lend. My Crawley conveyancing solicitor - who is on the lender conveyancing panel- called to say that they refuse to lend in accordance with their specific requirements. Who do I believe?
The lawyer must follow the CML Handbook section two requirements for your lender. Unless your lawyer obtains specific confirmation in writing that the lender will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the lender to contact your lawyer in writing confirming that they will accept the number of years remaining.
After weeks of negotiation I have agreed a price on a house in Crawley. My financial adviser recommended their conveyancers. I paid an upfront payment of £175. A few days later, the lawyer contacted me to say that they were not on the Coventry BS 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 Coventry BS 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.
five months have elapsed since my purchase conveyancing in Crawley concluded. I have checked the Land Registry site which shows that I paid £175,000 when infact I paid £180,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
I'm remortgaging my current property to a BTL mortgage with Alliance & Leicester and I will use the rest of the raised equity towards another house. The location we are talking about is Crawley. Will your conveyancers be able to act for both sets of lenders and link together the conveyances?
Make use of our comparison tool on this page to check that the lawyers are approved by both lenders. Assuming that they are your solicitor will be able to tie up the two conveyancing matters but you should have a chat with you conveyancer and make apparent your expectations and requirements.
I today plan to offer on a house that appears to meet my requirements, at a reasonable figure which is making it more attractive. I have since discovered that it's a leasehold rather than freehold. I would have thought that there are particular concerns purchasing a leasehold house in Crawley. Conveyancing solicitors have are soon to be appointed. Will they explain the issues?
Most houses in Crawley are freehold rather than leasehold. In this scenario it’s worth having a local conveyancer who is familiar with the area can assist with the conveyancing process. it is apparent that you are buying in Crawley in which case you should be looking for a Crawley conveyancing solicitor and check that they have experience in advising on leasehold houses. As a matter of priority you will need to check the number of years remaining. Being a tenant you will not be entirely free to do whatever you want with the house. The lease will likely included provisions such as requiring the landlord’spermission to conduct alterations. It may be necessary to pay a maintenance charge towards the maintenance of the communal areas where the house is part of an estate. Your conveyancer will appraise you on the various issues.