Our conveyancer has discovered a a legal deficiency with the lease for the flat we are purchasing in Tarporley. The seller’s lawyers have suggested title insurance as a workaround. We are content with insurance and will pay for it. Our says that he must be satisfied that the mortgage company is willing to move forward with this solution. Who is the client here, us or the mortgage company ?
The short answer to your last question is that, notwithstanding the risk of a conflict of interest, you and the lender are the client. Your must comply with the UK Finance Lenders’ Handbook conditions. The UK Finance Lenders’ Handbook conditions require your lawyer to disclose issues such as defects with the lease so that the bank can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected. Should you refuse to allow your lawyer to make the appropriate notification then your will have no choice but to discontinue acting for you.
My partner and I are selling our home in Tarporley and the buyers lawyers are claiming that there is a possibility that the property was built land that was not decontaminated. Any high street Tarporley lawyer would know that there is no such problem. It does beg the question why the buyers used an online conveyancing outfit rather than a conveyancing solicitor in Tarporley. Having lived in Tarporley for 5 years we know that this is a non issue. Do we get in touch with our local Authority to get confirmation that there is no issue.
It sounds as though you may have a conveyancing firm already. What do they say? You should enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out health insurance to cover that same ailment)
Me and my brother own a 4 bedroom Edwardian house in Tarporley. Conveyancing solicitor represented me and . I did a free Land Registry search last week and I saw two entries: the first freehold, another for leasehold under the exact same property. Is it worth asking to clarify?
You should review the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Tarporley and other locations in the country and poses no real issues for owners other than when they sell they have to account for both freehold and leasehold interests when dealing with purchasers. You can also enquire as to the position with your conveyancing lawyer who conducted the conveyancing.
We are a fortnight into a freehold purchase having been directed to solicitors by the estate agent to handle our conveyancing in Tarporley. I am am starting to be dissatisfied with the quality of service. Can you you assist me in finding new solicitors?
A lawyer would need to be very bad in order to consider replacing them. Has the mortgage been issued? If so you need to advise them of the replacement solicitor and ensure the mortgage documents are issued to the new lawyers. Your conveyancer should be on the mortgage company approved list to avoid escalating charges and complications. So that should be your first question of the new conveyancers. The search tool will help you find a lender approved lawyer for your home move in Tarporley
What do I do if I am unhappy with the who did our conveyancing in Tarporley?
We live in an imperfect world, and unfortunately every so often matters do not go as planned. Nevertheless there is recourse where you were not happy with your conveyancing in Tarporley. This varies from trying to resolve matters directly with them, through to reporting a to their regulator. If things still aren’t sorted out you may consider enlisting the help of the Legal Ombudsman.