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approved by RBS - Direct Line
Ready to buy a new home? Failing to check that a lawyer is on the RBS - Direct Line 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 The Royal Bank of Scotland plc Direct Line Mortgages Conveyancing Panel? How can my firm be reinstated onto the The Royal Bank of Scotland plc Direct Line Mortgages Conveyancing Panel?Find an Approved Solicitor on the The Royal Bank of Scotland plc Direct Line Mortgages Conveyancing Panel
FAQs : The RBS - Direct Line Conveyancing Panel
I am hoping to receive a mortgage with RBS - Direct Line. I would like to retain the legal services of a Licensed Conveyancer. Does the RBS - Direct Line Solicitor panel exclude Licensed Conveyancers
RBS - Direct Line’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.
Please assist. My lawyer is not to blame but, my purchase conveyancing has been going on for months. The Local Authority Search from RBS - Direct Line was dated random date and we have agreed a date for me to move into the property on 6. My solicitor informs me that as she is on the RBS - Direct Line conveyancing panel she needs to reorder the searches as they are now out of date.
One of the many conditions to being on the RBS - Direct Line approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on RBS - Direct Line)which states that a local authority search be not more than 6 months old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to RBS - Direct Line.
How do I find a local solicitor on the RBS - Direct Line conveyancing panel? I have a car and am prepared to travel up to 20 miles to meet the solicitor.
You can use the find a conveyancing panel search 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 - Direct Line solicitor panel.
The lawyers that I recently instructed on my house acquisition in Newcastle has suddenly closed. They were on acting for me because I needed a solicitor on the RBS - Direct Line conveyancing panel and my family lawyer was not. I gave them a cheque for £150 in advance. What should be my next steps?
If you have an estate agent involved then inform them straight away so that they can let the sellers know that there may be a slight delay due to reasons beyond your control. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You should appoint new lawyers that are on the RBS - Direct Line conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new lawyers may be able to assist
In what circumstances might RBS - Direct Line amend or withdraw their mortgage offer?
Lenders such as RBS - Direct Line can withdraw their mortgage offer although this rarely happens. If RBS - Direct Line withdraw their offer they may or may not inform you or the lawyer as to their reasoning. There are various possible reasons but here are a few examples:
- If the financial circumstances of the borrower have changed to the detriment and the RBS - Direct Line has been notified
- If the borrower informs RBS - Direct Line of a change in the loan amount agreed
- Where to proceed with the Mortgage offer would be unlawful
- Where the Lender’s right to possession is fettered in some way
- 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 have today made my last payment due on mortgage with RBS - Direct Line. I assume I don't need a solicitor on the RBS - Direct Line panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your RBS - Direct Line mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the RBS - Direct Line mortgage from the register. RBS - Direct Line,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
but are not moving to another property
where the RBS - Direct Line has sent the Land Registry the discharge electronically, and
the RBS - Direct Line has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your RBS - Direct Line mortgage has been paid off.
Planning on purchasing a house with a mortgage with RBS - Direct Line. I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the RBS - Direct Line conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the RBS - Direct Line conveyancing panel
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