In what way does my ID and proof of funds have anything to do with my conveyancing in Evesham? Why is this being asked of me?
It is indeed that case that these requests have nothing to do with conveyancing in Evesham. However these days you can not complete any conveyancing process without first providing proof of your identity. Ordinarily this takes the form of a either your passport or driving licence and a council tax bill. Please note that if you are providing your driving licence as proof of ID it needs to be both the paper element as well as the photo card part, one is not satisfactory without the other.
Proof of the source of monies is mandated under Money Laundering Regulations. You should not be offended when when this is requested of you as your conveyancing solicitor will need to retain this information on file. Your Evesham conveyancing practitioner 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 should also ask further questions regarding the source of funds.
Will our lawyer be raising questions about flooding during the conveyancing in Evesham.
Flooding is a growing risk for conveyancers carrying out conveyancing in Evesham. Some people will buy a property in Evesham, fully expectant that at some time, it may suffer from flooding. However, leaving to one side the physical damage, if a house is at risk of flooding, it may be difficult to get a mortgage, satisfactory building insurance, or dispose of the property. Steps can be carried out as part of the conveyancing process to forewarn the buyer.
Lawyers are not qualified to offer advice on flood risk, however there are a various checks that can be carried out by the purchaser or on a buyer’s behalf which will figure out the risks in Evesham. The standard information sent to a purchaser’s lawyer (where the solicitors are adopting what is known as the Conveyancing Protocol) includes a standard inquiry of the seller to find out if the premises has historically flooded. In the event that flooding has previously occurred and is not notified by the vendor, then a purchaser may bring a claim for damages stemming from an incorrect answer. The purchaser’s lawyers should also carry out an environmental search. This will higlight if there is a recorded flood risk. If so, further inquiries will need to be conducted.
Despite weeks of looking the Title Certificate and documents to our home are lost. The solicitors who conducted the conveyancing in Evesham 4 years ago are no longer around. What are my next steps?
Assuming you have a registered title the details of your ownership will be documented by HMLR with a Title Number. It is possible to conduct a search at the Land Registry, find your house and order current copies of the property title for less than a fiver. Where the property is Leasehold then the Land Registry will also normally hold a certified copy of the Registered Lease and again, a copy can be obtained for a small fee.
I opted to have a survey carried out on a house in Evesham ahead of retaining conveyancers. I have been advised that there is a flying freehold overhang to the property. Our surveyor has said that some lenders tend refuse to give a mortgage on this type of home.
It depends who your proposed lender is. Bank of Scotland has different requirements from Nationwide. Should you wish to telephone us we can look into this further with the relevant mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Evesham. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Evesham to see if the conveyancing costs will increase in light of this.
I need to retain a conveyancing solicitor for some conveyancing in Evesham. I've land on a web site which appears to be the perfect solution If there is a chance to get all the legals completed via phone that would be ideal. Should I be concerned? 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?