The Congleton conveyancing firm handling our Congleton conveyancing has identified an inconsistency between the surveyor’s assumptions in the home valuation survey and what is in the title deeds. My solicitor has advised that he is duty bound to check that the lender is OK with this discrepancy and is content to go ahead. Is my solicitor’s stance appropriate?
Your conveyancing practitioner must comply with the UK Finance Lenders’ Handbook specifications which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
Are the Congleton conveyancing solicitors identified as being on the Lloyds conveyancing panel, together with their details provided by Lloyds?
Congleton conveyancing firms themselves provide us confirmation that they are on the Lloyds conveyancing panel as opposed to being supplied with a list from Lloyds directly.
A colleague advised me that in buying a property in Congleton there could be a number of restrictions prohibiting external alterations to a property. Is this right?
We are aware of a number of properties in Congleton which have some sort of restriction or requirement of consent to external alterations. Part of the conveyancing in Congleton should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
Does a directory service exist listing Aldermore panel solicitors in Congleton on the UK Finance Lenders’ Handbook Website?
No. There is no such tool on the CML or Building Society Association sites. A small selection of lenders make their panel listings available online. If you are seeking to appoint a Congleton property lawyer on the Aldermore please make the most of our tool.
The formalities of my remortgage has taken place for my property in Congleton. Conveyancing was a necessary evil but I would like to complain about the lender. How does one go about formally complaining?
Most banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Care Department at head office. Ordinarily complaints to a lender are resolved very quickly. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR who will take matters further.
Me and my brother purchased a 4 bedroom Victorian house in Congleton. Conveyancing solicitor represented me and TSB. I happened to do a free search for it on the Land Registry database and there are a couple of entries: the first freehold, another for leasehold under the exact same address. I thought I was buying a freehold how can I check?
You need to assess 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 Congleton and other areas of the country and poses no real issues for owners other than when they mortgage they have to account for both freehold and leasehold interests when dealing with purchasers. You can also question the position with your conveyancing lawyer who conducted the work.
I have been pointed in your direction by a few property agents in Congleton to select a solicitor on your site. What’s the financial inducement for Estate Agents to offer your services ahead of a competitor’s?
We don’t offer any financial incentive for pointing buyers and sellers in our direction. We thought it would be too underhand a fee because a client could think, ‘How come the agent getting a kickback? Why am I not receiving any benefit too?’ So we decided to step away from that.
My cousin has recommend that I instruct his conveyancing solicitors in Congleton. Should I use them?
Much as we are happy to recommend a Congleton conveyancing lawyer the best way to select a conveyancing practitioner is to seek feedback from friends or relatives who have previously instructed the firm that you are considering.