My conveyancer has identified a defect with the lease for the property we are buying in Sandbach. The seller’s lawyers have suggested title insurance as a solution. We are happy with insurance and will cover the costs. Our lawyer says that he must check that the lender is happy with this solution. Are we the client or is the lender?
Notwithstanding that you have a mortgage offer from the mortgage company does not mean to say that the property will meet their conditions for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook provisions. You and the bank are the client. The appropriate lender specifications must be adhered to.
Why do I have to pay up front for conveyancing in Sandbach?
Where you are retaining lawyers for conveyancing in Sandbach your solicitor will request that you place them with monies to cover the the cost of the conveyancing searches. Normally this is asked for to cover the fees of the conveyancing searches. If any deposit is as part of the sale price then this should be required shortly before exchange of contracts. The final balance that is needed will be payable a couple of days ahead of the day of completion.
We previously chose conveyancers with offices in Sandbach on the Virgin Money solicitor panel. They are now charging me an additional fee for the legal aspects of the Virgin Money mortgage. Is this a supplemental conveyancing fee specified by Virgin Money?
Provided it is contained in their Terms and Conditions or Quote then yes your conveyancing practitioner may levy a fee for this. The fee is not dictated by Virgin Money but by your Sandbach lawyer. Plenty of firms on the Virgin Money panel will quote ’dealing with mortgage’ fee and others do not.
We were going to get a AIP from UBS 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 UBS recommend any Sandbach solicitors on the UBS conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Sandbach solicitors independently although you'll need to choose one on the UBS conveyancing panel. The solicitor represents both you and UBS through the process.
After much negotiation I have agreed a price on a house in Sandbach. My mortgage broker suggested a lawyer. I paid an upfront payment of £150. Not long after, the property lawyer called me sheepishly admitting that they were not on the Bank of Ireland 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 Bank of Ireland 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.
I have a renovated Edwardian property in Sandbach. Conveyancing solicitor acted for me and Godiva Mortgages Ltd. I did a free Land Registry search last week and there are a couple of entries: one for freehold, another for leasehold under the exact same property. Is it worth asking Godiva Mortgages Ltd to clarify?
You need to assess 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 Sandbach and other locations in the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with lenders. You can also check the position with your conveyancing lawyer who conducted the work.
I have been sourcing a conveyancing lawyer in Sandbach for my house move. Is it possible to check a firm’s complaints history with the legal regulator?
One can search for presented Solicitor Regulator Association (SRA) decisions resulting from inquisitions started on or after Jan 2008. Go to Check a solicitor's record. For details about the period before 1 January 2008, or to check a firm's history, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. International callers, use +44 (0)121 329 6800. The SRA may recorded call for training requirements.
What do I do if I am dissatisfied with the solicitor who carried out my conveyancing in Sandbach?
We live in an imperfect world, and is is a fact of life that sometimes matters do not go as planned. That being said there is recourse if you were not happy with your conveyancing in Sandbach. This varies from trying to resolve matters directly with them, through to reporting a solicitor to their regulator. If you remain dissatisfied you may consider enlisting the help of the Legal Ombudsman.