Find an Approved Solicitor on the The Royal Bank of Scotland plc Direct Line Mortgages
RBS - Direct Line Conveyancing Panel Example Support Desk Enquires
Much to my surprise I have been told by my financial adviser that my solicitor is not on the RBS - Direct Line Conveyancing panel. How can I be sure that this is correct?
The best course of action for you to take is to contact your conveyancer. You lawyer should advise you what has happened. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for RBS - Direct Line.
My lawyer has uncovered a difference between the assumptions in RBS - Direct Line’s home valuation survey and what is in the conveyancing documents. My solicitor has advised that as he is on the RBS - Direct Line conveyancing panel he needs to check that the bank is happy with this discrepancy and is still content to lend. Is my lawyer’s course or action legitimate?
A precondition to being on the RBS - Direct Line approved panel is to comply with the CML Handbook requirements (last updated for this lender on RBS - Direct Line) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for both parties.
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 RBS - Direct Line solicitor panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
We're in London, First time buyers buying with a mortgage (lender is RBS - Direct Line , but our solicitor is on the RBS - Direct Line conveyancing panel). How long should the conveyancing process take?
The fact that your lawyer is on the RBS - Direct Line conveyancing panel is a help. It would almost certainly delay matters if they were not. However, no conveyancer should guarantee a time-frame for your conveyancing due to third parties outside of our control such as delays caused by lenders,conveyancing search providers or by the other side’s solicitors. The time taken is often determined by the number of parties in a chain
My existing mortgage is with RBS - Direct Line. My uncle has just retired and wants to pay off my mortgage. After RBS - Direct Line is paid, I want to transfer the property to my mother's name; How long does the process take? Do we need two separate solicitors on the RBS - Direct Line conveyancing panel? I do not intend to live at the property once the RBS - Direct Line mortgage is discharged.
Although you do need to retain the services of a lawyer they dont
need to be on the RBS - Direct Line panel.
You will need a solicitor to draw up the transfer and
to deal with the Land Registry formalities. The only thing you need to
consider is that by selling at an undervalue so ask your lawyer about
the implications. There could be an inheritance tax issue if you die
within 7 years of this. There's no capital gains tax for you as it is
your main residence.
On the whole I have been dissatisfied with the level or service received from my lawyer. Is there a RBS - Direct Line conveyancing panel complaints department or do I complain directly to the law firm?
There is little point in complaining directly to RBS - Direct Line. Every solicitor firm 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 shopping around on the internet I have found a solicitor having made sure that they are on the RBS - Direct Line conveyancing panel. Does my lawyer arrange the survey of the property?
Having digested plenty of house buying,I note that it is considered advisable to get your house surveyed prior to buying it. When I asked my solicitor - who is on the RBS - Direct Line conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
RBS - Direct Line will need an independent valuation of the property. Your lawyer will not arrange this. Usually RBS - Direct Line will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey.
You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller.
Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with RBS - Direct Line you could contact your them to see if they have a list of approved surveyors.