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approved by Royal Bank of Scotland -Natwest One
Ready to buy a new home? Failing to check that a lawyer is on the Royal Bank of Scotland -Natwest One list of approved solicitors can put your transaction at risk of delay or failure.
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How does my firm apply to be on the The Royal Bank of Scotland plc Natwest One Account Conveyancing Panel? How can my firm be reinstated onto the The Royal Bank of Scotland plc Natwest One Account Conveyancing Panel?Find an Approved Solicitor on the The Royal Bank of Scotland plc Natwest One Account Conveyancing Panel
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My financial adviser has informed me that I have to pay Royal Bank of Scotland -Natwest One fees if I use my own solicitor. How good are the Royal Bank of Scotland -Natwest One conveyancing panel solicitors? I'm happy to use any solicitor in the country TBH provided that they are good and reasonably priced. Would you recommend a specific law firm on the Royal Bank of Scotland -Natwest One panel?
Royal Bank of Scotland -Natwest One’s conveyancing panel is substantial so it would be advisable to check with the firms you are getting quotes from that they are on the panel. You can search by postcode on the search tool on this site to find solicitors that Royal Bank of Scotland -Natwest One will allow to act for them.
I do hope you can help me. My conveyancer is assuring me that he has to order a Local Authority search stemming from the fact that the firm are on the Royal Bank of Scotland -Natwest One approved lawyer panel. Do I not have a choice here?
You have limited options available to you. Given that you are taking out a loan with Royal Bank of Scotland -Natwest One your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Royal Bank of Scotland -Natwest One’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Royal Bank of Scotland -Natwest One. even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Do all the licensed conveyancers and solicitor practices listed on your directory have online case tracking as I understood that this was a condition of being on the Royal Bank of Scotland -Natwest One conveyancing panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
Please explain the implications if my solicitor is expelled from the Royal Bank of Scotland -Natwest One Solicitor panel in advance of the moving date as agreed at exchange of contracts?
First, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
Do the majority of banks operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the Royal Bank of Scotland -Natwest One conveyancing panel requirements are different to Royal Bank of Scotland -Natwest One’s conveyancing panel requirements.
Completion of my remortgage has taken place with a mortgage from Royal Bank of Scotland -Natwest One. Conveyancing was of an acceptable standard but I would like to complain about Royal Bank of Scotland -Natwest One. Who do I contact should I wish to lodge a complaint?
Almost all lenders have complaints procedures. Your first point of contact should be one of the Royal Bank of Scotland -Natwest One branches or the Customer Care Team at Royal Bank of Scotland -Natwest One head office. We understand that complaints to Royal Bank of Scotland -Natwest One are sorted out very quickly. If you feel that the matter is not resolved you can write to the
Financial Ombudsman Service who will take matters further.
Royal Bank of Scotland -Natwest One have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Royal Bank of Scotland -Natwest One or your broker and complete any relevant paperwork. Royal Bank of Scotland -Natwest One will tell you what documents they want. Royal Bank of Scotland -Natwest One will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Royal Bank of Scotland -Natwest One will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.