The Chadderton conveyancing lawyers that I recently instructed on my house acquisition in Chadderton have suddenly closed. I chose them because I needed a lawyer on the HSBC conveyancing panel and my preferred Chadderton lawyer was not. I paid them £170 on account. What are my options?
If you have an estate agent involved then let them know straight away so that they can let the sellers know that there may be a slight delay due to reasons beyond your control. Most sellers would be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the HSBC 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 help.
Last month we had a mortgage agreed in principle with Co-operative. Chadderton conveyancing practitioners are chosen. How long does it take for Co-operative to send the offer to the property lawyer?
There is no definitive answer here. Have Co-operative completed the survey? Have you informed Co-operative as to your lawyers' details and checked that your lawyers are on the Co-operative conveyancing panel? It is not unusual for a mortgage offer to take a month to come through.
We were going to get a AIP from TSB this week so we know how much we could potentially offer as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do TSB recommend any Chadderton solicitors on the TSB conveyancing panel, or is it better to go independently?
You will need to appoint Chadderton solicitors independently although you'll need to choose one on the TSB conveyancing panel. The solicitor represents both you and TSB through the process.
Completion of my remortgage has taken place for my property in Chadderton. Conveyancing was satisfactory but I would like to complain about the lender. How do I make a complaint?
Most banks and building societies have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. In most cases complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
The deeds to our house are lost. The solicitors who handled the conveyancing in Chadderton 4 years ago no longer exist. What are my options?
Assuming you have a registered title the details of your proprietorship will be documented by HMLR under a Title Number. It is easy to conduct a search at the Land Registry, find your property and order current copies of the Registered Entries for a small fee. If the property is Leasehold then the Land Registry will in most cases hold a certified copy of the Registered Lease and again, a copy can be ordered for a small fee.
Yesterday I discovered that there is a flying freehold element on a house I have offered on a fortnight ago in what should have been a quick, chain free conveyancing. Chadderton is where the house is located. Can you offer any advice?
Flying freeholds in Chadderton are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Chadderton you would need to get your solicitor to go through the deeds diligently. Your bank may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Chadderton may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
Given that I am about to part with 450k on a property in Chadderton I would like to talk to a lawyer about myconveyancing before giving the go ahead to the firm. Is this something that you can arrange?
We could not agree more - it is our preference to talk to you we do not take any clients on without you liaising with the lawyer due to be doing your conveyancing in Chadderton.There is no ‘factory style conveyancing’ - every client is unique individual, not a case reference. The practices that we put you in touch with believe that the fees you are quoted for residential conveyancing in Chadderton should be the amount on the final invoice that you are charged.