It has come to my attention via my mortgage adviser that my Messingham lawyer is not on the lender Solicitor panel. What can I do to be sure that this is correct?
Your first step should be to call your Messingham lawyer directly. You lawyer should notify you what has happened. If they are not on the panel they may be able to suggest a Messingham conveyancing firm that is on the approved list of lawyers for your mortgage company.
We see that you have a search directory identifying law firms on the Coventry BS conveyancing panel. Do companies pay you a commission if I retain them for our own conveyancing in Messingham?
We are a listing service only for law firms wishing to communicate if they are on the Coventry BS conveyancing panel or other lender panels. We do not charge referral fees to any conveyancer that you subsequently appoint for your conveyancing in Messingham.
The Messingham conveyancing solicitors that I recently instructed on my purchase in Messingham have suddenly closed. They were on acting for me because I needed a firm on the Barclays conveyancing panel and my preferred Messingham lawyer was not. I paid them funds on account. What are my options?
Assuming that you have an Estate Agent in the equation then let them know straight away so that they advise the vendors that there may be a slight delay due to the problems encountered. Most sellers would 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 Barclays 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 solicitors should be in a position to help.
I have justbecome aware that Wolstenholmes have been shut down. They carried out my conveyancing in Messingham for a purchase of a leasehold apartment 12 months ago. How can I establish that my home is not still registered in the name of the former proprietor?
The easiest way to check if the premises is in your name, you can carry out a search of the land registry (£3.00). You can either do this yourself or ask a law firm to do this for you. If you are not registered you can seek help from one of a number of Messingham conveyancing specialists.
I'm purchasing a new build house in Messingham benefiting from help to buy. The developers refused to move on the price so I negotiated five thousand pounds worth of extras instead. The property agent suggested that I not disclose to my solicitor about the side-deal as it would put at risk my mortgage with Godiva Mortgages Ltd. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the developer of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Yesterday I discovered that there is a flying freehold element on a house I put an offer in two weeks back in what should have been a straight forward, chain free conveyancing. Messingham is the location of the property. What do you suggest?
Flying freeholds in Messingham are unusual but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Messingham you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Messingham may ascertain that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.