I purchased a freehold house in Laindon but nevertheless pay rent, why is this and what is this?
It is rare for properties in Laindon and has limited impact for conveyancing in Laindon but some freehold properties in England (particularly common in North West England) pay an annual sum known as a Chief Rent or a Rentcharge to a third party who has no other legal interest in the land.
Rentcharge payments are usually between £2.00 and £5.00 per year. Rentcharges have existed for many centuries, but the Rent Charge Act 1977 barred the creation of fresh rentcharges from 1977 onwards.
Old rentcharges can now be extinguished by making a lump sum payment under the Act. Any rentcharges that are still in existence in 2037 is to be dispensed with completely.
I am in the process of refinancing my flat in Laindon, does my lawyer need to be on the Principality Conveyancing panel?
In theory, you could use a solicitor that is not on the Principality conveyancing panel, but Principality would require one of their panel solicitors to be instructed to act in their interests, and you'd have to pay for this - so most people instruct a panel solicitor. It's also easier, as otherwise you'd have to deal with two solicitors for the same transaction.
How can we tell if a Laindon conveyancing solicitor on the RBS panel is any good?
When it comes to conveyancing in Laindon getting recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always suggest that you speak with the solicitor carrying out your conveyancing.
I have paid off my mortgage with Barclays. I assume I don't need a Laindon conveyancer on the Barclays panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Barclays 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 Barclays mortgage from the register. Barclays, 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 Barclays has sent the Land Registry the discharge electronically, and
- Barclays has instructed the Land Registry to do so
Completion of my purchase has taken place for my property in Laindon. Conveyancing was a necessary evil but I would like to complain about the lender. How does one go about formally complaining?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Department at head office. In most cases complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
I require quick conveyancing in Laindon as I have an ultimatum to complete in less than one month. Thankfully I do not need a mortgage. Is it possible to decline from having conveyancing searches to save money and time?
If.Given you are are a mortgage free buyer you are at liberty not to have searches carried out although no conveyancer would advise that you don't. Drawing on our experience of conveyancing in Laindon the following are examples of issues that can arise and therefore affect future saleability: Refused Planning Applications, Outstanding Fees, Outstanding Grants, Railway Schemes,...
My uncle has recommend that I instruct his lawyers for conveyancing in Laindon. Should I find my own conveyancer?
Much as we are happy to recommend a Laindon conveyancing lawyer the best way to find a conveyancing practitioner is to seek guidance from friends or family who have previously instructed the solicitor that you are considering.