My Conveyancer in Winslow is not on the Chelsea Building Society Conveyancing Panel. Can I still continue with my family solicitor even though they are not on the Chelsea Building Society panel?
The limited options available to you here include:
- Carry on with your existing Winslow lawyers but Chelsea Building Society will need to use a lawyer on their list of acceptable firms. This will inevitably rack up the overall conveyancing fees and result in frustration.
- Get an alternative practitioner to act in the conveyancing, not forgetting to check they are Chelsea Building Society approved.
- Persuade your Chelsea Building Society solicitor to try to join the Chelsea Building Society panel
My wife and I are purchasing a flat in Winslow. I might seem paranoid but how we can trust a solicitor? At some point we will need to put our life savings into their account. What is the protection we have from them run away with our money?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
We are buying a terrace house in Winslow. We would like to carry out an extension to the side at the house.Will the conveyancing process include checks to determine if these alterations are prohibited?
Your solicitor will check the deeds as conveyancing in Winslow will sometimes identify restrictions in the title documents which prevent categories of changes or require the consent of a 3rd party. Some additions require local authority planning consent and approval in compliance with building regulations. Certain areas are designated conservation areas and special planning restrictions apply which frequently prevent or affect extensions. It would be wise to check these things with a surveyor prior to committing yourself to a purchase.
Completion of my purchase has taken place for my property in Winslow. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
All banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I have a terraced Edwardian house in Winslow. Conveyancing lawyer represented me and Virgin Money. I happened to do a free search for it on the Land Registry database and there are two entries: the first freehold, the second leasehold with the exact same address. I'd like to know for sure, how can I find out??
You should 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Winslow and other areas of the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the position with the conveyancing lawyer who conducted the conveyancing.
I am buying my first flat in Winslow with a loan from Godiva Mortgages Ltd. The sellers refused to reduce the amount so I negotiated £7000 of extras instead. The sale representative told me not inform my conveyancer about the extras as it would affect my mortgage with the bank. Do I keep my lawyer in the dark?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
My fiance is buying a shared ownership flat in Winslow. He has received an estimate by the conveyancing practitioner connected to the selling agents totaling £1300 . It was eight years ago I sold and bought a house and the fee was £440. Have charges really gone up that much?
What does the conveyancing estimate include? Is it just for the legal fees, or what you will be paying in total (for example Winslow searches, land registry fees, etc)