Can you point me to a directory of HSBC panel solicitors in Southall on the UK Finance Lenders’ Handbook Website?
No. There is no such directory service on the Council of Mortgage Lenders or Building Society Association sites. A small selection of banks make their panel listings visible over the internet. Where you are in need of a Southall lawyer on the HSBC please make the most of our tool.
We had instructed conveyancers locally in Southall on the HSBC solicitor approved list. They have just invoiced me a separate charge for dealing with the HSBC mortgage. Is this an additional conveyancing fee set by HSBC?
As unfair as it may appear, as long as it’s in their Terms and Conditions or estimate then yes your lawyer may levy a fee for this. The fee is not dictated by HSBC but by your Southall conveyancing practitioner. Plenty of firms on the HSBC panel will levy an ‘acting for lender’ fee and others do not.
The formalities of my remortgage has taken place for my property in Southall. Conveyancing was of an acceptable standard 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 point of contact should be one of the lender’s branches or the Customer Care Team at head office. In most cases complaints to a lender are resolved 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.
Over the last few months I have been searching for a ground for flat up to £305k and identified one round the corner in Southall I like with amenity areas and railway links nearby, however it only has 52 years on the lease. I can't really find anything else in Southall for this price, so just wondered if I would be making a grave error purchasing a lease with such few years left?
Should you require a mortgage that many years will be an issue. Reduce the price by the amount the lease extension will cost if not already taken into account. If the current proprietor has owned the property for a minimum of 2 years you could request that they start the process of the extension and then assign it to you. An additional ninety years can be extended on to the current lease term and have £0 ground rent by law. You should speak to your conveyancing lawyer regarding this matter.
Taking into account that I am about to part with over three hundred thousand on a house in Southall I wish to talk to a solicitor regarding thehome move ahead of instructing the firm. Is this something that you can arrange?
This is something that we recommend - we would be delighted to talk to you we do not take any clients on without you speaking to the lawyer who will be conducting your conveyancing in Southall.There is no ‘factory style conveyancing’ - each client is unique person, not a case reference. The solicitors that we put you in touch with believe that the figure you are quoted for residential conveyancing in Southall should be the amount on the final invoice that you are charged.
I am using a search engine for the term on line conveyancing in Southall it brings up many solicitorslocally. With so much choice what is the best way to find the suitable solicitor for me?
The ideal way of seeking a suitable conveyancer is through a personal recommendation, so enquire of colleagues and relatives who have bought a property in Southall or the reputable estate agent or mortgage broker. Costs for conveyancing in Southall vary, so it's a good idea to obtain a minimum of four quotes from different solicitors. Make sure that you clarify that the costs are assured not to escalate.
I have just appointed agents to market my ground floor flat in Southall. Conveyancing solicitors are to be appointed soon, however I have just had a half-yearly maintenance charge demand – what should I do?
It best that you pay the maintenance contribution as normal given that all rents and service charges will be apportioned on completion, so you will be reimbursed by the purchaser for the period running from after the completion date to the next payment date. Most management companies will not acknowledge the buyer until the service charges have been paid and are up to date, so it is important for both buyer and seller for the seller to show that they are up to date. This will smooth the conveyancing process.
I have attempted and failed to negotiate with my landlord for a lease extension without success. Can the Leasehold Valuation Tribunal adjudicate on such matters? Can you recommend a Southall conveyancing firm to represent me?
in cases where there is a absentee freeholder or where there is dispute about what the lease extension should cost, under the Leasehold Reform, Housing and Urban Development Act 1993 it is possible to make an application to the LVT to decide the price payable.
An example of a Lease Extension matter before the tribunal for a Southall flat is 33 Barbican Road in January 2013. The Tribunals calculation of the lease extension premium payable was £17,592. This case related to 1 flat. The unexpired lease term was 55.12 years.