We see that you have a post code search directory identifying firms on the UBS conveyancing panel. Do companies pay you a referral fee if I retain them for our own conveyancing in Clowne?
We are a listing service only for law firms wishing to communicate if they are on the UBS conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Clowne.
Does a directory service exist listing Virgin Money panel conveyancers in Clowne on the Council of Mortgage Lender’s Website?
Unfortunately not yet. There is no such directory service on the CML or Building Society Association websites. Very few banks make their panel listings viewable over the internet. If you are looking for a Clowne conveyancing practitioner on the Virgin Money please make the most of our facility.
We expect to receive a DIP from Skipton this week so we can work out what to offer on a property we like as otherwise we only have online calculators to go by (which aren't taking into account credit checks etc). Do Skipton recommend any Clowne solicitors on the Skipton conveyancing panel, or is it better to find our own lawyer?
You will need to appoint Clowne solicitors independently although you'll need to choose one on the Skipton conveyancing panel. The solicitor represents both you and Skipton through the process.
Completion of my remortgage has taken place for my property in Clowne. Conveyancing was of an acceptable standard but I would like to complain about the lender. How does one go about formally complaining?
Almost 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. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
I have todayfound out that Action Conveyancing have closed. They conducted my conveyancing in Clowne for a purchase of a freehold house 18 months ago. How can I be sure that my home is registered correctly in the name of the former proprietor?
The quickest way to check if the property is in your name, you can make a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Clowne conveyancing specialists.
Yesterday I discovered that there is a flying freehold element on a property I put an offer in last month in what should have been a simple, no chain conveyancing. Clowne is where the house is located. Is there any guidance you can impart?
Flying freeholds in Clowne are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Clowne you must be sure that your lawyer goes through the deeds thoroughly. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Clowne may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
Last December I purchased a leasehold flat in Clowne. Am I liable to pay service charges relating to a period prior to completion of my purchase?
In a situation where the service charge has already been demanded from the previous lessee and they have not paid you would not usually be personally liable for the arrears. However, your landlord may still be able to take action to forfeit the lease. A critical element of leasehold conveyancing for your conveyancer to ensure to have an up to date clear service charge receipt before completion of your purchase. If you have a mortgage this is likely to be a requirement of your lender.
If you purchase part way through an accounting year you may be liable for charges not yet demanded even if they relate to a period prior to your purchase. In such circumstances your conveyancer would normally arrange for the seller to set aside some money to cover their part of the period (usually called a service charge retention).
Leasehold Conveyancing in Clowne - Examples of Queries Prior to Purchasing
Best to be warned whether redecorating or some other significant cost is due in the foreseeable future that will be shared amongst the leaseholders and may well dramatically impact the level of the service charges or require a specific payment. What is the annual maintenance fee and ground rent? Its a good idea to discover as much as possible concerning the managing agents as they will affect your use and enjoyment of the property. Being a leasehold owner you are often at the mercy of the managing agents from a financial perspective and when it comes to every day matters like the tidiness of the common parts. You should not be shy to ask other tenants what they think of their management. In conclusion, find out the dates that you are obliged pay the service charge to the managing agents and specifically what you get for your money.