We had selected solicitors based in Exeter on the Aldermore solicitor approved list. They have just invoiced me a supplemental fee for the legal aspects of the Aldermore mortgage. Is this an additional conveyancing fee set by Aldermore?
As unfair as it may appear, as long as it’s in their Terms and Conditions or estimate then yes your conveyancing practitioner is entitled to levy a fee for this. The charge is not dictated by Aldermore but by your Exeter conveyancing practitioner. Plenty of firms on the Aldermore panel will charge ’dealing with mortgage’ fee but some practices incorporate it on their overall fee.
The formalities of my purchase has taken place for my property in Exeter. Conveyancing was a necessary evil but I would like to complain about the lender. How does one go about formally complaining?
Almost all lenders have complaints procedures. Your first port of call 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 effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I am due to exchange contracts on my flat. I had a double glazing fitted in October 2008, but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Nottingham are being problematic. The Exeter solicitor who is on the Nottingham conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Nottingham are requiring a building regulation certificate. Why do Nottingham have a conveyancing panel if they don't accept advice from them?
It is probably the case that Nottingham have referred the matter to their valuer. The reason why Nottingham 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.
What can a local search inform me about the property my wife and I purchasing in Exeter?
Exeter conveyancing often starts with the submitting local authority searches directly from your local Authority or through a personal search company for example Onsearch The local search is essential in every Exeter conveyancing purchase; that is if you wish to avoid any unpleasant once you have moved into your new home. The search should supply information on, amongst other things, details on planning applications applicable to the property (whether granted or refused), building control history, any enforcement action, restrictions on permitted development, nearby road schemes, contaminated land and radon gas; in all a total of 13 subject areas.
Despite weeks of looking the Title Certificate and documents to our home are lost. The lawyers who handled the conveyancing in Exeter 4 years ago no longer exist. What do I do?
Nowadays there are copies made of almost everything, and your solicitor should be aware exactly where to locate all the appropriate documentation so you can buy or dispose of your property without any difficulty. Where copies are not available, your conveyancer can put in place insurance or indemnities protecting you against future claims on your property.
How do I use the search facility to find a conveyancing solicitor in Exeter on the panel for my mortgage?
Step one is to choose a lender such as Nationwide Building Society, The Mortgage Works or TSB then specify your location a common one being Exeter. Conveyancing organisations in Exeter and further afield should be shown.
In sourcing the internet for the term on line conveyancing in Exeter it shows results of numerous conveyancersin the area. With so much choice what is the best way to find the right conveyancing solicitor for me?
The ideal method of seeking the right conveyancer is via personal referral, so enquire of colleagues and those you trust who have bought a property in Exeter or a respected estate agent or mortgage broker. Charges for conveyancing in Exeter differ, so it's sensible to secure at least four fee calculations from varying types of law firms. Be sure to obtain confirmation that the costs are assured not to increase.