we are a couple who are buying a 2 bedroom flat in Lydiate and Melling with a mortgage from Bank of Scotland.We use our Lydiate and Melling conveyancing solicitor but Bank of Scotland advised that her practice is not on their approved list of member firms. We have to appoint a Bank of Scotland panel solicitor or retain our local solicitor and pay for one of their panel ones to act for them. This seems very unfair; Can we not simply insist that Bank of Scotland use our lawyer?
No, not really. The mortgage offered to you contains various provisions, a common one being that lawyers must be on the Bank of Scotland approved list. in the past, most banks 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 lawyer to apply to be on the conveyancing panel for Bank of Scotland
A colleague suggested that where I am purchasing in Lydiate and Melling I should ask my conveyancer to perform a Neighbourhood, Planning and Local Amenity Search. What does it cover?
This is a search is occasionally quoted for as part of the standard Lydiate and Melling conveyancing searches. It is a large report of about 40 pages, listing and detailing important information about Lydiate and Melling around the property and the people living there. It includes an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the local Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average House Prices, Crime statistics, Local Education with maps and statistics, Local Amenities and other useful data concerning Lydiate and Melling.
It has been 2 months since my purchase conveyancing in Lydiate and Melling concluded. I have checked the Land Registry website which shows that I paid £200,000 when infact I paid £170,000. Why the discrepancy?
The price paid figure is taken from the application to register the purchase. It is the figure included in the Transfer (the legal deed which transfers the premises from one person to the other) and referred to as the 'consideration' or purchase price. You can report an error in the price paid figure using the LR online form. In most cases errors result from typos so at first glance the figure. Do report it so they can double check and advise.
How do I use the search facility to select a conveyancing lawyer in Lydiate and Melling on the panel for my bank?
Step one is to select a bank such as Santander, Barnsley Building Society or TSB then type in your preferred area for instance Lydiate and Melling. Conveyancing practices in Lydiate and Melling and further afield should be listed.
I have been sourcing a conveyancing lawyer in Lydiate and Melling for my home move. Is there any facility to see a solicitor's complaints history with the legal regulator?
You can search for documented Solicitor Regulator Association (SRA) determinations resulting from inquisitions started on or after Jan 2008. Visit Check a solicitor's record. For records about the period before 1 January 2008, or to check a solicitors record, call 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For non-uk callers, use +44 (0)121 329 6800. The regulator could recorded call for training purposes.