I am getting a mortgage with Santander. I hope to use a Licensed Conveyancer in Enfield Lock. Does the Santander Solicitor panel include conveyancers regulated by the CLC?
The Santander approved solicitor list is, like many other lenders, associated to the CML or BSA, open to Licensed Conveyancers regulated by the Council of Licensed Conveyancers.
It is a dozen years since I purchased my house in Enfield Lock. Conveyancing solicitors have recently been retained on the sale but I am unable to locate the deeds. Is this a problem?
Don’t worry too much. First there is a possibility that the deeds will be retained by your lender or they could be in the possession of the lawyers who handled the purchase. Secondly in all probability the property will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing lawyers obtaining current official copies of the land registers. Almost all conveyancing in Enfield Lock involves registered property but in the unlikely event that your home is not registered it adds to the complexity but is resolvable.
The Enfield Lock conveyancing lawyers that I recently instructed on my purchase in Enfield Lock have without warning shut down. They were on acting for me because I had to have a firm on the Skipton conveyancing panel and my previous Enfield Lock lawyer was not. I issued them a cheque for two hundred pounds in advance. What do I do now?
If you have an estate agent involved then let them know straight away so that they advise the vendors that there may be a slight delay due to the problems encountered. 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 Skipton 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 solicitors should be in a position to assist.
Due to the input of my in-laws I had a survey completed on a house in Enfield Lock prior to appointing solicitors. I have been informed that there is a flying freehold overhang to the property. Our surveyor has said that some banks will refuse to issue a loan on this type of premises.
It varies from the lender to lender. Bank of Scotland has different instructions for example to Halifax. If you e-mail us we can check via the appropriate mortgage company. If you lender is happy to lend one our lawyers can assist as they are accustomed to dealing with flying freeholds in Enfield Lock. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Enfield Lock to see if the conveyancing costs will increase in light of this.
I am looking for a conveyancing practitioner in Enfield Lock for my house move. Can I check a firm’s complaints history with the legal regulator?
Anyone may see presented Solicitor Regulator Association (SRA) decisions arising from investigations commenced on or after Jan 2008. Visit Check a solicitor's record. For information about the period before 1 January 2008, or to check a firm's record, phone 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For callers outside the UK, dial +44 (0)121 329 6800. The SRA could monitor telephone calls for training purposes.