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Ready to buy a new home? Failing to check that a lawyer is on the list of approved solicitors can put your transaction at risk of delay or failure.
Looking for information about your firm's panel status?How does my firm apply to be on the Chesham Building Society Conveyancing Panel? How can my firm be reinstated onto the Chesham Building Society Conveyancing Panel?
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For what reasons could a law firm be excluded from the Chesham Building Society solicitor panel?
According to a recent survey report by the solicitors regulator three quarters of law firms had been removed from a lender panel. The most common reasons in order are :
- Low volume of transactions
- the lawyer is a sole practitioner
- as part of the HSBC panel reduction
- regulatory contact by SRA
- accidental removal. We are not aware of the specific or common criteria for removal by Chesham Building Society
I do hope you can help me. My lawyer is assuring me that he is legally obliged to order a Local Authority search because the firm are on the Chesham Building Society solicitor panel. Is this really necessary?
You have limited options available to you. Given that you are taking out a loan with Chesham Building Society your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Chesham Building Society’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Chesham Building Society. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
I see that you have a post code search directory listing solicitors on the Chesham Building Society conveyancing panel. Do firms pay you a commission if I appoint them for my own conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Chesham Building Society conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
I am trying to get my ex-husband taken off the mortgage deeds. Can Chesham Building Society really tell me which solicitor I can or can not retain?
You can use any solicitor you like but Chesham Building Society then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Chesham Building Society solicitors panel
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Chesham Building Society be concerned
As your lender is Chesham Building Society your lawyer must to check the Chesham Building Society conveyancing instructions contained in the Part of CML Handbook for Chesham Building Society . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Chesham Building Society where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
I am about to exchange contracts on a purchase with a mortgage from Chesham Building Society. The report from my solicitor mentions that Chesham Building Society could withdraw their offer before completion. Is this right?
Banks and Building Societies such as Chesham Building Society can revoke their mortgage offer although this rarely happens. should Chesham Building Society withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are various possible reasons but here are a few examples:
- Situations where information provided by the borrower that enabled the lender to make a lending decision is fraudulent, incorrect or misleading.
- Where the purchase price and borrowers direct contribution differ to details on the mortgage application form completed by the borrower
- Following advice from the valuer on their lender panel or If the lender has doubts about the effectiveness of the valuation as a result of subsequent events or information received post valuation but pre completion
- Where the lender has to take account a recent change in law
- If the lender reasonably believe that the applicant, borrower, mortgagor or guarantor is insolvent or is about to become insolvent or has or will have a petition presented or if any one or all enter into any arrangement with their creditors generally or if any one or all should suffer a material change in their financial circumstances
I am selling my house. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's mortgage company, Chesham Building Society are being a right pain. The solicitor who is on the Chesham Building Society conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Chesham Building Society are insisting on a building regulation certificate. Why do Chesham Building Society have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Chesham Building Society have referred the matter to their valuer. The reason why Chesham Building Society may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.