Find an Approved Solicitor on the Scottish Widows Bank plc
Examples of recent questions relating to the Scottish Widows Solicitor Panel
I need to swap lawyers as my lawyer is not on the Scottish Widows panel of conveyancing solicitors. How easy is it to change conveyancer?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
My partner and I are refinancing our apartment with Scottish Widows. We have a son approaching twenty who lives with us. The solicitor on the Scottish Widows conveyancing panel has asked us to disclose any adults other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, giving up any rights in the event that the apartment is forfeited by the lender. I have two concerns (1) Is this document specific to the Scottish Widows conveyancing panel as he did not need to sign this form when we bought 4 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
First, rest assured that your Scottish Widows conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Scottish Widows .This is solely used to protect the Scottish Widows if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.
It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Scottish Widows had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
How up to date is your database of lawyers on the Scottish Widows conveyancing panel? Do Scottish Widows send you an updated list?
The firms themselves provide us confirmation that they are on the Scottish Widows conveyancing panel as opposed to being supplied with a list from Scottish Widows directly.
My conveyancers in Leeds have advised me that no longer have my conveyancing file. To assist with my purchase I took out a mortgage with Scottish Widows. Is it case that being on the Scottish Widows conveyancing panel they need to have retained the file for a prescribed period?
It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Scottish Widows Conveyancing Panel Terms. It might be worth you contacting Scottish Widows directly.
Is it the case that all conveyancing lawyers on the Scottish Widows conveyancing panel work on a no move no charge basis?
On the whole there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
I am buying a property where the roof has a solar panel. Scottish Widows have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Scottish Widows your lawyer must to check the Scottish Widows conveyancing instructions contained in the Part of CML Handbook for Scottish Widows . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Scottish Widows 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.
Completion of my remortgage has taken place with a mortgage from Scottish Widows. Conveyancing was satisfactory but I would like to complain about Scottish Widows. How does one go about formally complaining?
Almost all lenders have complaints procedures. Your first point of contact should be one of the Scottish Widows branches or the Customer Services Department at Scottish Widows head office. In most cases complaints to Scottish Widows are sorted out very quickly. If you feel that the matter is not 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.
Transfer of Equity for Scottish Widows
Please note that Lexsure Ltd is in no way associated with nor affiliated with Lexsure Solicitors