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Ready to buy a new home? Failing to check that a lawyer is on the Cumberland BS list of approved solicitors can put your transaction at risk of delay or failure.

Find a Law Firm approved by Cumberland BS
Find a Law Firm approved by Cumberland BS

Find an Approved Solicitor on the Cumberland Building Society Conveyancing Panel

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A solicitor I wanted to use for conveyancing on a purchase said she would charge more if my lender is due to their unusual legal requirements. Am I likely to be frustrated using Cumberland Building Society? Any comments will be appreciated
Cumberland Building Society conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the Cumberland Building Society conveyancing panel. If they are not, this does add further risk of delay as Cumberland Building Society will appoint their own solicitors to look after their interest.
Expecting to move into my new home next Monday. I have now been asked to send a copy of my building insurance schedule by my solicitor as he says that he has to check this in has capacity as lawyer for Cumberland Building Society. What risks do Cumberland Building Society expect the insurance to cover?
Any lawyer on the Cumberland Building Society conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in Cumberland Building Society’s Part 2 requirements of the CML Handbook (last updated on Cumberland Building Society). Being on the Cumberland Building Society conveyancing panel your lawyer is expect to follow these requirements.
How do I search for a local solicitor on the Cumberland Building Society conveyancing panel? I have a car and am prepared to travel up to 20 kilometers to meet the lawyer.
Feel free to make use of the find a conveyancing panel tool on this website. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Cumberland Building Society solicitor panel.
I am considering applying for a Cumberland Building Society mortgage for purchase of a newly converted (under development) with 65 per cent loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for Cumberland Building Society?
There is nothing to stop you using your solicitor but Cumberland Building Society will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
I am buying a property where the roof has a solar panel. Cumberland Building Society have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is Cumberland Building Society your lawyer must to check the Cumberland Building Society conveyancing instructions contained in the Part of CML Handbook for Cumberland Building Society . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Cumberland 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.
On the whole I have been dissatisfied with the level or service received from my lawyer. Is there a Cumberland Building Society conveyancing panel complaints department or do I complain directly to the law firm?
Complaining to Cumberland Building Society about their conveyancing panel is unlikely to yield much of a response. All solicitors and conveyancer must have a complaints procedure. Usually one can find this information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is properly dealt with by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.

After much negotiation I have agreed a price on a house. My mortgage broker pressured me to appoint their lawyers I paid an upfront payment of 225. Soon after the conveyancers contacted me to say that they were not on the Cumberland Building Society conveyancing panel. Am I right in thinking that I should be due a refund?
You should be able to recover this from the law firm if they were not on the Cumberland Building Society panel. They should have asked at the outset which lender you were obtaining a mortgage with. An important lesson to readers of this site is to check that the lawyers are on the appropriate lender panel.

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