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approved by Kent Reliance
Ready to buy a new home? Failing to check that a lawyer is on the Kent Reliance list of approved solicitors can put your transaction at risk of delay or failure.
Looking for information about your firm's panel status?Is my firm on the Kent Reliance (a trading name of OneSavings Bank plc) Conveyancing Panel? How does my firm apply to be on the Kent Reliance (a trading name of OneSavings Bank plc) Conveyancing Panel? How can my firm be reinstated onto the Kent Reliance (a trading name of OneSavings Bank plc) Conveyancing Panel?
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I am hoping to receive a offer of a mortgage from Kent Reliance. I would like to employ the services of a Licensed Conveyancer. Does the Kent Reliance Conveyancing panel include conveyancers regulated by the CLC
Kent Reliance’s conveyancing panel is, like many other lenders represented by the CML or Building Society Association, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
Our solicitor has uncovered a legal deficiency with the lease for the flat we are purchasing. The other side have offered title insurance as a solution. We are content with insurance and will cover the costs. Our lawyer says that as he is on the Kent Reliance conveyancing panel he must ensure that the lender is happy with this solution. Who is the client here, us or Kent Reliance?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and Kent Reliance are the client. A precondition to being on the Kent Reliance approved panel is to comply with the CML Handbook requirements (last updated for this lender on Kent Reliance). The CML Handbook conditions require your lawyer to disclose issues such as defects will the lease so that Kent Reliance can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected . Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
Do all the firms listed on your directory have online case tracking as I was under the impression that this was a precondition of being on the Kent Reliance solicitor panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
Can you clarify what the consequences are if my solicitor is suspended from the Kent Reliance Solicitor panel in advance of the completion date?
First, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
When it comes to mortgage companies such as Kent Reliance do lawyers have to be pay a fee to be on the list of approved solicitors?
We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.
I had instructed online solicitors based in London who are on the Kent Reliance solicitor panel. They have just invoiced me a separate fee of £135 for dealing with the Kent Reliance mortgage. Is this an additional conveyancing fee specified by Kent Reliance?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Kent Reliance but by your lawyers. Some firms on the Kent Reliance will charge an ‘acting for lender’ fee but plenty of firms include it on their overall fee.
The for formalities of my remortgage has taken place with a loan from Kent Reliance. Conveyancing was a necessary evil but I would like to complain about Kent Reliance. 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 Kent Reliance branches or the Customer Care Department at Kent Reliance head office. We understand that complaints to Kent Reliance are resolved very quickly. However if you are not satisfied that the matter is resolved you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.