We had selected conveyancing lawyers with offices in Kirkby in Ashfield on the Virgin Money solicitor panel. They have just invoiced me a separate amount for dealing with the Virgin Money mortgage. Is this a supplemental conveyancing fee specified by Virgin Money?

As unfair as it may appear, as long as it’s in their Terms of Engagement or Quote then yes your conveyancer is entitled to charge a fee for this. The fee is not dictated by Virgin Money but by your Kirkby in Ashfield solicitor. Numerous firms on the Virgin Money panel will quote an ‘acting for lender’ fee but some practices incorporate it on their overall fee.

I am currently in the process of buying my council flat in Kirkby in Ashfield. I have a mortgage agreed with Kent Reliance. Conveyancing is new to me. Can I proceed without a solicitor easily? I think we can but we keep being told I should have 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 Kent Reliance, you will need to appoint a solicitor on the Kent Reliance conveyancing panel.

Completion of my purchase has taken place for my property in Kirkby in Ashfield. Conveyancing was satisfactory but I would like to complain about the lender. Who do I contact should I wish to lodge a complaint?

Almost all banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.

I need some fast conveyancing in Kirkby in Ashfield as I am under a deadline to exchange contracts within 3 weeks. A home loan is not required. Is it possible to decline from having conveyancing searches to save fees and time?

If.Given you are not getting a mortgage you have the choice not to do searches although no conveyancer would suggest that you don't. With plenty of history conveyancing in Kirkby in Ashfield the following are examples of issues that can show up and adversely affect market value: Refused Planning Applications, Overdue Charges, Outstanding Grants, Unadopted Roads,...

I used Wolstenholmes a few years past for my conveyancing in Kirkby in Ashfield. Now, I need the files but the law firm is no longer operating. What do I do?

Do call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Kirkby in Ashfield of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.

I only have 62 years unexpired on my lease in Kirkby in Ashfield. I now want to extend my lease but my freeholder is can not be found. What options are available to me?

On the basis that you meet the appropriate requirements, under the Leasehold Reform, Housing and Urban Development Act 1993 you can submit an application to the County Court for an order to dispense with the service of the initial notice. This will mean that your lease can be lengthened by the Court. However, you will be required to demonstrate that you or your lawyers have used your best endeavours to find the freeholder. On the whole an enquiry agent would be useful to try and locate and prepare an expert document to be used as evidence that the landlord can not be located. It is advisable to get professional help from a solicitor in relation to devolving into the landlord’s disappearance and the vesting order request to the County Court overseeing Kirkby in Ashfield.

Leasehold Conveyancing in Kirkby in Ashfield - Examples of Questions you should consider Prior to buying

The answer will be useful as a) areas could cause problems in the building as the common areas may begin to deteriorate if repairs are not paid for b) if the tenants have a dispute with the running of the building you will need to know about it Does the lease have onerous restrictions? Does the lease have in excess of 82 years left?

What are the specific advantages to choosing a local property lawyer in Kirkby in Ashfield

Plenty of house movers in Kirkby in Ashfield select a local property lawyer so that they can visit in the event that they have questions, and to sign mortgage deeds without using the post.

There is a distinct advantage in opting for a solicitor nearby to the premises you are buying, due to the knowledge of the area and potential local concerns - but this is moot. Many conveyancers conduct their work via email and could be any place in the world.