I went with a local lawyer for our conveyancing in Abertillery today. After carefully reading the Ts and Cs I seewe are liable for fees even where the transaction does not complete. Should I ditch them and appoint an internet conveyancing company advertising no move no charge conveyancing in Abertillery?
Generally there is a compromise along the lines that if "No Sale No Fee" is available then the conveyancing charges will tend to be be more expensive to counteract those cases that abort. Please beware that such schemes generally do not cover outlay for instance Abertillery conveyancing search charges.
It is 10 years ago since I bought my house in Abertillery. Conveyancing solicitors have now been appointed on the sale but I can't track down the title deeds. Is this a problem?
Don’t worry too much. Firstly there is a possibility that the deeds will be kept by your mortgage company or they may still be with the conveyancers who oversaw the purchase. Secondly in most cases the property will be recorded at the land registry and you will be able to establish that you own the property by your conveyancing solicitors obtaining current official copies of the land registers. Almost all conveyancing in Abertillery involves registered property but in the unlikely event that your property is not registered it is more of a problem but is resolvable.
I have decided to exercise my right to buy my property in Abertillery off the council. I have a mortgage offer with TSB. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable to proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event, if you are getting a mortgage with TSB, you will need to appoint a solicitor on the TSB conveyancing panel.
I was told three weeks ago that my mortgage has been agreed to by Barclays. Is it usual for Barclays to only issue the offer once my solicitor in Abertillery is approved on their conveyancing panel? Barclays have asked my solicitor to see a copy of their PI Insurance.
Mortgage companies tend not to not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Barclays to deal with your lawyer's application to be on the Barclays conveyancing panel. There's no guarantee that your solicitor will be accepted.
After shopping around on the internet I have found a Abertillery conveyancing practitioner having made sure that they are on the Skipton conveyancing panel. Does my lawyer arrange the survey of the property?
Skipton will need an independent valuation of the property. Your lawyer will not arrange this. Usually Skipton 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 Abertillery 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.
I appreciate that there are debates on Chancel Insurance on online forums. Am I compelled to have this when acquiring a residence in Abertillery? or I am told that there is a law dating back centuries that means some homeowners living in a parish church boundary will be compelled to pay for maintenance to the chancel within the church. Is this relevant for conveyancing in Abertillery?
Unless a prior purchase of the house took place after 12 October 2013 you could expect solicitors conducting conveyancing in Abertillery to remain recommending a chancel search and or insurance against a claim.
I have been sourcing a conveyancing practitioner in Abertillery for my house move. Can I check a solicitor's complaints history with the legal regulator?
Members of the public can search for published Solicitor Regulator Association (SRA) determinations arising from inquisitions commenced on or after Jan 2008. Go to Check a solicitor's record. To find information about the period before 1 January 2008, or to check a solicitors record, ring 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For callers outside the UK, call +44 (0)121 329 6800. The SRA may monitor call for training purposes.