Unfortunately I am unable to travel far from East Sussex. I would like to know the logic why all East Sussex conveyancers aren't included on all lender panels?
Mortgage companies highlight the fact that solicitor-led fraud is thought to be responsible for millions of pounds of fraud every year.The removal of law firms off of lender panels started with the rise in mortgage fraud, which prompted a thematic review by the FSA in 2011. Its conclusions included recommendations for lending institutions to review their conveyancing panels, which triggered a major policy change in the sector. It led to lenders purging less reputable firms off their books of approved conveyancing practitioners .
I am helping my sister sell her flat in East Sussex. Does the solicitor order an energy performance certificate or it is for me to see to?
After the abolition of HIPs, energy performance certificates was retained a mandatory component of moving house. An energy performance certificate needs to be commissioned in advance of the property being placed on the market. This is not as aspect of the sale process that lawyers normally organise. If you are using a East Sussex conveyancing solicitor they might help arrange energy performance certificates due to their contacts with reputable East Sussex assessors
I have today made my last payment due on my mortgage with TSB. I assume I don't need a East Sussex solicitor on the TSB panel to discharge the mortgage at the Land Registry. Please confirm.
If you have finished paying off your TSB mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the TSB mortgage from the register. TSB, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where TSB has sent the Land Registry the discharge electronically, and
- TSB has instructed the Land Registry to do so
The formalities of my remortgage has taken place for my property in East Sussex. Conveyancing was of an acceptable standard but I feel I should register my dissatisfaction about the lender. How does one go about formally complaining?
Most lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Care Team at head office. In most cases complaints to a lender are resolved effectively and efficiently. If you feel the matter is not resolved you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR with full details of your complaint.
Despite weeks of looking the Title Certificate and documents to our house are lost. The solicitors who handled the conveyancing in East Sussex 4 years ago have long since closed. What are my options?
In today’s world there are duplicates made of almost everything, and your conveyancer should know exactly where to locate all the relevant paperwork so you may purchase or sell your house without a hitch. Where copies can’t be located, your lawyer can put in place insurance or indemnities protecting you against possible claims on your premises.
Given that I am about to spend hundreds of thousands of pounds on a house in East Sussex I wish to talk to a lawyer concerning thehouse move before giving the go ahead to the firm. Is this something that you can arrange?
Absolutely - we would be pleased to talk to you we do not take any clients on without you first talking to the solicitor who will be carrying out your conveyancing in East Sussex.There is no ‘factory style conveyancing’ - every client is an important person, not a file number. The practices that we put you in touch with believe that the fees you are calculated and presented to you for residential conveyancing in East Sussex should be the figure that you end up paying.
We are a couple of weeks into a freehold purchase having been directed to conveyancers by the high street agent to carry out the conveyancing in East Sussex. I am am very disappointed with the level of service. Could you help me find new conveyancers?
A lawyer would need to be very bad to suggest changing them. Has the loan offer been generated? If so you will need to advise them of the new conveyancer and have the mortgage documents are issued to the new lawyers. Your new conveyancer needs to be on the banks panel to avoid supplemental fees and frustration. So that should be your starting point. The find a solicitor tool will assist you in finding a bank approved lawyer for your conveyancing in East Sussex
Looking forward to complete next month on a garden flat in East Sussex. Conveyancing lawyers have said that they are sending me a report on Monday. What should I be looking out for?
The report on title for your leasehold conveyancing in East Sussex should include some of the following:
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Whether your lease caters for for a slush fund? Whether the landlord has obligations to ensure rights of quiet enjoyment over your premises and do you know what it means in practice? You must be told what counts as a Nuisance in the lease What options are open to you if a neighbour breaches a clause of their lease? The total extent of the premises. This may be the apartment itself but may include a roof space or cellar if relevant.
I am the registered owner of a 1st floor flat in East Sussex, conveyancing formalities finalised December 2003. Can you work out an approximate cost of a lease extension? Corresponding flats in East Sussex with a long lease are worth £197,000. The ground rent is £55 invoiced annually. The lease runs out on 21st October 2079
With 54 years unexpired we estimate the price of your lease extension to be between £32,300 and £37,400 as well as professional fees.
The suggested premium range that we have given is a general guide to costs for renewing a lease, but we cannot give you a more accurate figure in the absence of comprehensive due diligence. Do not use this information in tribunal or court proceedings. There may be additional issues that need to be considered and clearly you should be as accurate as possible in your negotiations. Neither should you move forward placing reliance on this information without first seeking the advice of a professional.