Is the fact that my solicitor in Glyn Ceiriog is not on my bank's solicitor panel that there is a problem with the standard of the firm’s work?
That is most likely a wrong assumption to make. There are plenty of plausible explanations. Just recently a 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) low volume of transactions (2) the solicitor is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. Should you be concerned you should simply call the Glyn Ceiriog conveyancing firm and enquire why they are no longer on the approved list for your mortgage company.
Can I be sure that the Glyn Ceiriog conveyancing solicitor on the UBS panel is any good?
When it comes to conveyancing in Glyn Ceiriog getting recommendations is a sensible start. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always recommend that you speak with the solicitor handling your conveyancing.
I have today made my last payment due on my mortgage with Nationwide. I assume I don't need a Glyn Ceiriog lawyer on the Nationwide panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Nationwide 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 Nationwide mortgage from the register. Nationwide, 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 Nationwide has sent the Land Registry the discharge electronically, and
- Nationwide has instructed the Land Registry to do so
Completion of my remortgage has taken place for my property in Glyn Ceiriog. Conveyancing was of an acceptable standard but I would like to complain about the lender. How does one go about formally complaining?
Most banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Team at head office. In most cases complaints to a lender are sorted out very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
Are there restrictive covenants that are commonly picked up during conveyancing in Glyn Ceiriog?
Covenants that are restrictive in nature can be picked up when reviewing land registry title as part of the process of conveyancing in Glyn Ceiriog. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
Am I right to be concerned about brokers that I am dealing with are recommending a nationwide conveyancing firm rather than a local Glyn Ceiriog conveyancing company?
As with lots of service providers, often suggestions from connections can be extremely useful or valuable. Nevertheless there are many parties with a vested interest in a conveyancing transaction; estate agents, financial adviser and mortgage companies might all put forward conveyancers to instruct. Sometimes the conveyancers might be known to one of the organisations as one of the best in their field, but occasionally there exists a commercial relationship behind the endorsement. You have the discretion to appoint your preferred conveyancer. However, bear in mind that the majority of lenders specify a panel list of solicitors you must use for the lender related work in your conveyancing.
In my capacity as executor for the will of my father I am selling a residence in Swansea but reside in Glyn Ceiriog. My conveyancer (based 235 miles from meneeds me to execute a statutory declaration before completion. Can you recommend a conveyancing solicitor in Glyn Ceiriog to witness and place their company stamp on the document?
Technically speaking you are unlikely to be required to have the documents attested by a conveyancing solicitor. Ordinarily any notary public or solicitor will suffice regardless of whether they are Glyn Ceiriog based
My fiance is purchasing a basement flat in Glyn Ceiriog. He was given a quote by the property lawyer suggested by the selling agents and it came to £1250 . It was ten years ago since I sold and purchased a house and the fee was £450. Have charges really escalated to that extent?
What does the conveyancing estimate include? Is it just for the legal fees, or what you will be paying in total (for instance Glyn Ceiriog searches, land registry fees, etc)