Find an Approved Solicitor on the The Royal Bank of Scotland plc First Active
Q and A’s regarding the RBS- First Active Solicitor Panel
A solicitor my fiance and I wanted to use for conveyancing on a remortgage said he would charge more if my lender is due to their unusual legal requirements. Am I likely to be frustrated using RBS- First Active? Any comments will be appreciated
RBS- First Active 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 RBS- First Active conveyancing panel. If they are not, this does add further risk of delay as RBS- First Active will appoint their own solicitors to look after their interest.
Expecting to complete my purchase next Thursday. I have now been asked to send a copy of my building insurance schedule by my solicitor as as he informs me that he is duty bound to validate that it is in order for RBS- First Active. What does the insurance need to cover?
Any lawyer on the RBS- First Active 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 RBS- First Active’s Part 2 requirements of the CML Handbook (last updated on RBS- First Active). Being on the RBS- First Active conveyancing panel your lawyer is expect to follow these instructions.
What tools are available to find a local solicitor on the RBS- First Active conveyancing panel? I have a car and am prepared to travel up to 10 kilometers to meet the solicitor.
Feel free to make use of the find a conveyancing panel tool on this page. 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 RBS- First Active solicitor panel.
I am in the process of remortgaging my home does my lawyer have to be on the RBS- First Active Solicitor panel?
In theory, you could use a solicitor that is not on RBS- First Active conveyancing panel, but RBS- First Active would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same conveyancing matter.
I am buying a property where the roof has a solar panel. Solicitors conducting should look into this right? Will my lender RBS- First Active be concerned
As you are obtaining a mortgage with RBS- First Active your lawyer must to check the RBS- First Active conveyancing instructions contained in the Part of CML Handbook for RBS- First Active . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to RBS- First Active 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.
Can I register a complaint to RBS- First Active about the lawyers being on the RBS- First Active conveyancing panel?
There is little point in complaining directly to RBS- First Active. All solicitors and conveyancer must have a complaints procedure. You can get 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 an apartment. My mortgage broker pressured me to appoint their lawyers I paid an upfront payment of 150. Soon after the conveyancers contacted me sheepishly admitting that they were not on the RBS- First Active 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 RBS- First Active 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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