My fiancee and I are spending time viewing flats in East Sussex and I am now considering a potential offer. Should I already have a solicitor in place at this stage? I intend to finance via a home loan with Barclays.
You should start obtaining conveyancing quotes from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on to the selling agent. As you are obtaining a mortgage with Barclays, make sure you remember to check that your lawyer is on the Barclays conveyancing panel.
Completion of my purchase has taken place for my property in East Sussex. Conveyancing was of an acceptable standard but I would like to complain about the lender. How do I make a complaint?
All lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Team at head office. We understand that complaints to a lender are sorted out very quickly. If you feel 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 selling my house. I had a double glazing fitted in October 2006, but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, TSB are being difficult. The East Sussex solicitor who is on the TSB conveyancing panel is recommending indemnity insurance as a solution but TSB are requiring a building regulation certificate. Why do TSB have a conveyancing panel if they don't accept advice from them?
It is probably the case that TSB have referred the matter to their valuer. The reason why TSB may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing was correctly and safely installed. The indemnity insurance merely protects against enforcement action which is very unlikely anyway.
Various internet forums that I have frequented warn that are the main cause of hinderance in East Sussex house deals. Is this right?
The Council of Property Search Organisations (CoPSO) has noted the conclusions of research by MoveWithUs that conveyancing searches do not feature within the most frequent causes of hindrances in the conveyancing process. Local searches are unlikely to be the root cause of delay in conveyancing in East Sussex.
My wife and I have a terraced Edwardian house in East Sussex. Conveyancing practitioner represented me and Barclays . I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, another for leasehold under the exact same property. If a house is not a freehold shouldn't I have been informed?
You need to read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in East Sussex and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also enquire as to the position with the conveyancing solicitor who conducted the purchase.
Are there any apps to help identify a East Sussex law firm on the Coventry Building Society conveyancing panel? I am a keen cyclist and am prepared to travel upto 10miles to meet the lawyer.
You can use the tool on this page. Please choose the lender and your location and you will see a number of East Sussex conveyancing lawyers locally. We have detailed some East Sussex conveyancing firms towards the end of this page and you can ring them to see if they are on the Coventry Building Society panel
My uncle has urged me to appoint his conveyancers in East Sussex. Do I take his advice?
Much as we are happy to recommend a East Sussex conveyancing lawyer the best way to select a conveyancing lawyer is to get recommendations from friends or relatives who have actually used the solicitor that you are are thinking of instructing.
Are the East Sussex conveyancing lawyers identified as being on the bank conveyancing panel, together with their details provided by the bank?
East Sussex firms and firms conducting conveyancing in East Sussex themselves provide us confirmation that they are on the bank conveyancing panel as opposed to being supplied with a list from the bank directly.