Find an Approved Solicitor on the Virgin Money plc
FAQs : The Virgin Solicitor Panel
My lawyer is not listed on the Virgin Solicitor Panel. Can I still retain my family solicitor notwithstanding that they are excluded from the Virgin panel of approved conveyancing solicitors?
You will need to have a conveyancer complete the legal work required when you take out a Virgin mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Virgin conveyancing panel additional costs will be incurred as separate legal representation will be required by Virgin. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
I am buying a newly built flat and my conveyancer is informing me that she has to disclose incentives from the developer as her firm is on the Virgin conveyancing panel. The Estate Agents are hassling me to exchange contracts and I have no desire to delay deal. Can I insist on an exchange regardless of what my lawyer says about being on the Virgin panel?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the Virgin approved panel is to comply with the CML Handbook requirements (last updated for this lender on Virgin). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I note that you have a post code search directory identifying law firms on the Virgin conveyancing panel. Do firms pay you a referral fee if I appoint them for my own house purchase?
We are a listing service only for law firms wishing to communicate if they are on the Virgin conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
My lawyers in Newcastle have advised me that they can not locate my conveyancing file. To assist with my purchase I took out a mortgage with Virgin. Is it case that being on the Virgin 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 Virgin Conveyancing Panel Terms. It might be worth you contacting Virgin directly.
Can you point me to a directory of Virgin panel conveyancers on the Building Society Association’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
I have today made my last payment due on mortgage with Virgin. I assume I don't need a solicitor on the Virgin panel to remove the mortgage at the Land Registry. Am I right?
If you have finished paying off your Virgin 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 Virgin mortgage from the register. Virgin,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 Virgin has sent the Land Registry the discharge electronically, and
the Virgin has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your Virgin mortgage has been paid off.
I have not been happy with the level or service received from my lawyer. Is there a Virgin conveyancing panel complaints department or do I complain directly to the law firm?
There is little point in complaining directly to Virgin. 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.