It is a dozen years since I bought my property in Crofton Park. Conveyancing solicitors have recently been appointed on the sale but I can't locate my title deeds. Will this cause complications?
Don’t worry too much. Firstly there is a possibility that the deeds will be retained by the mortgage company or they could still be with the conveyancers who oversaw the purchase. Secondly the likelihood is that the property will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors procuring up to date copy of the land registers. Almost all conveyancing in Crofton Park involves registered property but in the rare situation where your property is not registered it adds to the complexity but is not insurmountable.
Do the Building Society Association intend to launch a online directory to to identify practices on the Norwich and Peterborough Building Society conveyancing panel for example in Crofton Park?
Lexsure has not been advised of any plans on the part of the BSA to develop such a register.
We are purchasing a flat in Crofton Park. It might be a silly question but how we can trust a solicitor? At some point we will need to deposit our life savings into their account. What protection do we have from them run away with our monies?
Be assured that all money in a Solicitors client account is 100% safe, and even if your Solicitor ran off with it, the Law Society would reimburse you fully.
Please help - my lawyer says that lack of right of way insurance is needed on my purchase. What is the level of cover for Crofton Park conveyancing?
The appropriate level of lack of right of way indemnity insurance should be dictated by who your lender. It would differ for example between Santander and Virgin Money. Conveyancing lawyers as opposed to members of the public take out such policies.
We had selected conveyancers locally in Crofton Park on the UBS solicitor panel. They are now charging me a further charge for the legal aspects of the UBS mortgage. Is this an additional conveyancing fee set by UBS?
As unfair as it may appear, as long as it’s in their Terms of Engagement or estimate then yes your property lawyer may levy a fee for this. The fee is not set by UBS but by your Crofton Park conveyancer. Numerous firms on the UBS panel will charge ’dealing with mortgage’ fee but many practices include it on their overall fee.
My wife and I have a renovated Georgian property in Crofton Park. Conveyancing practitioner represented me and Aldermore. I happened to do a free search for it on the Land Registry database and I saw two entries: one for freehold, the second leasehold with the matching property. I'd like to know for sure, how can I find out??
You should read 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 Crofton Park and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with mortgage companies. You can also question the situation with the conveyancing practitioner who conducted the purchase.
I need to instruct a conveyancing practitioner in Crofton Park for my purchase. Can I check a firm’s complaints history with the profession’s regulator?
Anyone may read documented Solicitor Regulator Association (SRA) determinations resulting from inquisitions from 2008 onwards. Go to Check a solicitor's record. To find records Pre 2008, or to check a firm's history, phone 0870 606 2555, 08.00 - 18.00 any week day save for Tuesday when lines open at 9.30am. For callers outside the UK, call +44 (0)121 329 6800. The regulator sometimes recorded telephone calls for training requirements.
Midway through the sale of a leasehold flat in Crofton Park. Conveyancing is fine but we are being charged an extortionate amount from the freeholder. So far we have forked out £275 for a leasehold management pack and then a further £117.20 for supplemental questions supplied by the purchaser's property lawyer.
Neither you or your conveyancer will have any impact over the level of the charges for this information but the typical costs for the information for Crofton Park leasehold premises is £380. When it comes to Crofton Park conveyancing sales it is customary for the owner to pay for these costs. The freeholder or their agents are under no statutory obligation to answer these questions although many will be content to do so - albeit often at exorbitant prices where the fees bear little relation to the work involved. Unfortunately there is no law that mandates set fees for administrative tasks. Neither is there any statutory time limit by which they are required to supply the information.