Do lenders provide you with an approved list of Charmouth conveyancing solicitors? How do you know who is on the Bank of Ireland conveyancing panel?
Charmouth conveyancing firms themselves provide us confirmation that they are on the Bank of Ireland conveyancing panel as opposed to being supplied with a list from Bank of Ireland directly.
We had instructed conveyancers based in Charmouth on the Barclays solicitor approved list. They have just invoiced me a separate fee for dealing with the Barclays mortgage. Is this a supplemental conveyancing fee set by Barclays?
Unfortunately, as long as it is in their Terms of Engagement or Quote then yes your property lawyer can charge a fee for this. The charge is not dictated by Barclays but by your Charmouth property lawyer. Plenty of firms on the Barclays panel will charge an ‘acting for lender’ fee and others do not.
Completion of my purchase has taken place for my property in Charmouth. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
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 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 with full details of your complaint.
Having read lots of house buying guides, I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my local Charmouth solicitor - who is on the Bank of Ireland conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Bank of Ireland will need an independent valuation of the property. Your lawyer will not arrange this. Usually Bank of Ireland will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own Charmouth surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
How does the Landlord & Tenant Act 1954 impact my commercial offices in Charmouth and how can you help?
The 1954 Act gives a safeguard to business lessees, granting the a statutory right to make a request to court for a continuation of occupancy at the end of the lease term. There are certain specified grounds that a landlord can refrain from granting a lease renewal and the rules are complicated. We are happy to direct you to commercial conveyancing solicitors who use the act for protection and assist with commercial conveyancing in Charmouth
I need to retain a conveyancing solicitor for sale conveyancing in Charmouth. I happened to stumble across a site which seems to have the perfect answer If there is a chance to get all the legals done via web that would be ideal. Do I need to be wary? What are the potential pitfalls?
As usual with these online conveyancers you need to read ALL the small print - did you notice the extra charge for dealing with the mortgage?
Do I have to visit the offices of the bank conveyancing panel solicitor to sign the legal charge? If so, I will choose one who does conveyancing in Charmouth so that I can attend their offices if necessary.
As opposed to twenty years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID Documents and there are still distinct advantages to using a local solicitor, in your case a conveyancing solicitor in Charmouth.