My husband and I are buying a 3 bedroom apartment in Chorleywood and Rickmansworth with a mortgage. We have a Chorleywood and Rickmansworth lawyer, however the bank says she’s not on their "panel". We have to appoint one of the mortgage company panel conveyancing practices or retain our Chorleywood and Rickmansworth conveyancing practitioner as well as pay for one of their panel ones to act for them. We regard this is inequitable; are we not able to insist that the lender use our Chorleywood and Rickmansworth property lawyer ?
Unfortunately,no. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the lender’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your Chorleywood and Rickmansworth conveyancing lawyer to apply to be on the conveyancing panel.
Can you help? My Chorleywood and Rickmansworth conveyancer is assuring me that he is legally obliged toorder Chorleywood and Rickmansworth conveyancing searches asthe firm are on the Virgin Moneysolicitor panel. These Chorleywood and Rickmansworth checks cost a lot of money can this be avoided?
Unfortunately both you and your lawyer have little choice here. Given that you are taking out a loan with a mortgage company your property lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your property lawyer would have previously signed the Terms and Conditions of your lender’s conveyancing panel appointment which obliges them to comply with the Council of Mortgage Lenders’ Handbook provisions . Even if you were a cash buyer you would be ill advised not to carry out Chorleywood and Rickmansworth conveyancing searches.
It is 10 years ago since I acquired my property in Chorleywood and Rickmansworth. Conveyancing solicitors have recently been instructed on the sale but I can't find the title documents. Will this cause complications?
Don’t worry too much. First there is a possibility that the deeds will be with the mortgage company or they could be archived with the solicitor who handled the purchase. Secondly the likelihood is that the property will be recorded at the land registry and you will be able to establish that you are the registered owner by your conveyancing lawyers acquiring up to date copy of the land registers. Almost all conveyancing in Chorleywood and Rickmansworth relates to registered property but in the unlikely event that your home is not registered it adds to the complexity but is not insurmountable.
I used Action Conveyancing a few years past for my conveyancing in Chorleywood and Rickmansworth. I now require my papers but cannot find the solicitor. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Chorleywood and Rickmansworth of the conveyancing firm of solicitors you previously retained, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
How can the Landlord & Tenant Act 1954 affect my business property in Chorleywood and Rickmansworth and how can you help?
The 1954 Act affords protection to commercial tenants, granting the legal entitlement to apply to court for a continuation of occupancy when the lease reaches an end. There are certain specified grounds that a landlord can refrain from granting a lease renewal and the rules are complex. Fees are different for commercial conveyancing. Chorleywood and Rickmansworth is one of our hundreds of locations in which the firms we work with are based
My father has suggested that I use his conveyancing solicitors in Chorleywood and Rickmansworth. Should I use them?
There are no two ways about it the best way to find a conveyancing practitioner is to seek guidance from friends or relatives who have actually used the solicitor that you are considering.