Would the conveyancing lawyers via your comparison service handle conveyancing in Ceredigion by way of an attended exchange?
We do have a number of conveyancing specialists carrying out 24hr exchanges. Do contact us to receive a costs illustration and details as to dates.
What does my ID and proof of funds have anything to do with my conveyancing in Ceredigion? Is this really warranted?
It is indeed that case that these requests have nothing to do with conveyancing in Ceredigion. Nowadays you can not complete any conveyancing transaction if you have not submitting proof of your identity. Ordinarily this takes the form of a either your passport or driving licence plus a council tax bill. Remember if you are supplying your driving licence as evidence of ID it needs to be both the paper element and photo card part, one is not satisfactory in the absence of the other.
Evidence of your origin of money is required in accordance with the Money Laundering Regulations. Please do not be offended when you are asked to produce this as your conveyancing solicitor must have this information on record. Your Ceredigion conveyancing lawyer will need to see evidence of proof of funds before they are able to accept any monies from you into their client account and they may also ask further queries regarding the source of funds.
We wanted to use a conveyancing solicitor in Ceredigion for our house purchase. Our financial adviser informed us that our mortgage lenders Birmingham Midshires won't deal with them. Why is this not regarded as unfair competition?
Before the recession most lenders had an appetite for risk which was higher than today. Almost all Ceredigion conveyancing firms would have been on most bank panels. The financial services regulator in 2010 conducted a thematic review into mortgage fraud which come to the conclusion: know the conveyancing solicitors dealt with. Consequently, mortgage companies have regularly sought more information from law firms regarding their operations and the individuals who work for them as well as establishing certain criteria such a completing on a minimum number of conveyancing. Many Ceredigion conveyancing firms that have been excluded from lender panels have a 100% healthy track record, no complaints and no claims and didn't just 'dabble' in conveyancing. Ceredigion is amongst the many locations where the conveyancers we list are members of the panel for Birmingham Midshires.
My partner and I are intent on selling our property in Ceredigion and according to the buyers it appears that there is a possibility that the property was built on contaminated land. Any local lawyer would know this is not the case. It does beg the question why the buyers are using an online conveyancing outfit as opposed to a conveyancing solicitor in Ceredigion. Having lived in Ceredigion for many years we know of no issue. Should we get in touch with our local Authority to seek confirmation need.
It sounds as though you may have a conveyancing firm currently acting for you. What do they say? You need to check with your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
Despite weeks of looking the Title Certificate and documents to my house are lost. The lawyers who conducted the conveyancing in Ceredigion 5 years ago have long since closed. Will I be able to sell the house?
You no longer need to have the physical official documentation to establish that you are the owner of your registered land or property, given that the Land Registry hold details of all registered land or property electronically.