Me and my fiance are buying a 3 bedroom apartment in Exmouth with a mortgage. We would like to retain our Exmouth lawyer, but the bank advise he's not on their "panel". It seems we have little choice but to select one of the lender panel solicitors or continue with our Exmouth lawyer as well as pay for one of their panel lawyers to represent them. We regard this is inequitable; is there anything we can do?
Unfortunately,no. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the bank’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your Exmouth conveyancing solicitor to apply to be on the conveyancing panel.
We are looking to buy a flat and require a conveyancing solicitor in Exmouth who is on the HSBC solicitor panel. Can you recommend a local solicitor?
Our service is limited to being a directory service for firms who wish to be listed as being on the approved conveyancing panel for HSBC . We don't recommend any particular firms conducting conveyancing in Exmouth.
How can we know in advance if a Exmouth conveyancing solicitor on the Kent Reliance panel is any good?
When it comes to conveyancing in Exmouth seeking recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one which is cheap as chips. We would always advise that you speak with the lawyer conducting your conveyancing.
The formalities of my remortgage has taken place for my property in Exmouth. Conveyancing was satisfactory but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
All banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. We understand that complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service with full details of your complaint.
My offer was accepted on a property in Exmouth on 23/11/2021, valuation was booked 4 days after, all came back fine. Property lawyer instructed, so all that was missing was my mortgage offer. Having made daily calls to Bank of Ireland and chasing them on my offer, I have now been told that my offer will not be issued unless the lawyer is on the Bank of Ireland conveyancing panel. Are Bank of Ireland entitled to hold back the Mortgage pending the lawyer being on the approved list?
Mortgage companies tend not to not issue an offer until they have details of a lawyer on their panel. It can take a few weeks for Bank of Ireland to deal with your lawyer's application to be on the Bank of Ireland conveyancing panel. There's no guarantee that your solicitor will be accepted.
I am selling our property in Exmouth and the buyers lawyers are claiming that there is a risk of it being built on contaminated land. A high street Exmouth conveyancer would know this is not the case. For the life of me I don't know why the buyers used a nationwide conveyancing firm rather than a conveyancing solicitor in Exmouth. Having lived in Exmouth for six years we know that this is a non issue. Do we contact our local Authority to obtain confirmation need.
It sounds as though you may have a conveyancing firm currently acting for you. What do they say? You should enquire of 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)
A conveyancing company handled my conveyancing in Exmouth half a dozen years ago having stored my registration documents but has now closed – What can I do to retreive these?
Title deeds, as such, are no longer appropriate for most properties in Exmouth are archived digitally at Land Registry. If you need to prove evidence of proprietorship or are selling or refinancing your conveyancing practitioner should obtain up to date copies of the register from the Land Registry in any case.
If you feel there may be other documents or you have any other queries please e-mail your request with details of the transaction and documents you need to firstname.lastname@example.org. The CLC will let you know what information they have and any additional information they may need before they are in a position to identify and send the documents to you. Following an intervention it may take some time for the CLC to access archived files and documents, but your request will be actioned with reasonable haste.