What does my ID and proof of funds have anything to do with my conveyancing in Kent? Why is this being asked of me?
Anti-terror and anti-money-laundering regulations require solicitors and licensed conveyancers to verify the ID of the potential client they are dealing with before they can accept their conveyancing business. The Terms and Conditions that you are required to sign will no doubt reaffirm this. Your lawyer also has obligations to obtain certain documents in accordance with the CML Lenders Handbook requirements last updated on 1st December 2014. If you refuse to hand over ID verification documents, your conveyancer would not be able to act for you.
The Kent conveyancing solicitors that I recently instructed on my purchase in Kent have without warning shut down. They were on acting for me because I had to have a firm on the UBS conveyancing panel and my previous Kent lawyer was not. I paid them £170 in advance. What should be my next steps?
Assuming that you have an Estate Agent in the equation then inform them straight away so that they advise the vendors that there may be a slight delay due to the problems encountered. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the UBS conveyancing panel and notify the lender. If you have paid over any money, it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new lawyers may be able to assist.
I am assisting my aunt sell her house in Kent. Does the conveyancer order an energy performance certificate or it is for the seller to see to?
Following the abolition of Home Information Packs, energy assessments was left as a mandatory component of moving house. An energy assessment should be to hand before the property is advertised. It is not a task that solicitors normally arrange. Where you are using a Kent conveyancing lawyer they may be able to arrange energy performance certificates due to their relationships with long established Kent assessors
I have paid off my mortgage with TSB. I assume I don't need a Kent conveyancer on the TSB panel to remove the mortgage at the Land Registry. Am I right?
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
It is not clear whether my bank obliges me to make sure the lease term for the flat is extended prior to the completion date. I have called my Kent building society branch on various occasions and was advised it wasn't a problem and they would lend. My Kent conveyancing solicitor - who is on the mortgage company conveyancing panel- telephoned and was told they refuse to lend in accordance with their published requirements. I have no idea who is right.
Provided that the property lawyer is on the bank panel, she or he must follow the Council of Mortgage Lenders’ Handbook specifications for the bank. Unless your lawyer obtains specific confirmation in writing that the bank will go ahead, your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask the bank to contact your lawyer in writing confirming that they will accept the number of years left on the lease.
Is it possible to transfer to a new conveyancer as I need to appoint a firm on the HSBC Bank conveyancing panel. I instructed a high street conveyancing solicitor in Kent round the corner but he is not accepted by HSBC Bank
We will our best to assist in finding you a conveyancing solicitor in Kent on the HSBC Bank panel. Please note that the law firms that we on the directory do not pay us commission if you instruct them and are fully regulated by the Solicitors Regulation Authority who regulate all conveyancing solicitors in Kent. In utilising search facility on this site, you can contrast costs for conveyancing solicitors in Kent and beyond.
Looking forward to sign contracts shortly on a studio apartment in Kent. Conveyancing lawyers have said that they will have a report out to me tomorrow. What should I be looking out for?
Your report on title for your leasehold conveyancing in Kent should include some of the following:
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Are pets allowed in the flat? Your conveyancers should enable you to have an understanding of the building insurance obligations Whether the landlord has obligations to ensure rights of quiet enjoyment over your property and do you know what it means in practice? It needs to be made clear to you if the lease allows you to add or improve anything in the flat- you should be made aware as to whether any restrictions applies to all alterations or limited to structural alteration, and whether consent is mandated necessary
Kent Conveyancing for Leasehold Flats - Sample of Queries before Purchasing
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Make sure you investigate if the the lease includes any adverse restrictions in the lease. For instance it is fairly common in Kent leases that pets are not allowed in certain buildings in Kent. If you love the propertyin Kent but your dog is not allowed to live with you then you will be faced hard compromise. Does the lease include onerous restrictions?
Do I cancel the direct debit for my mortgage with HSBC once a completion date for my sale in Kent has been set?
No, you should continue meeting any mortgage payments to HSBC until the mortgage is redeemed on completion as part of your Kent conveyancing.