Much to our surprise we have been told by our financial adviser that my Redditch lawyer is not on the bank Solicitor panel. How can I check?
You need to contact your Redditch lawyer directly. It is reasonable to expect your lawyer to inform you of the situation. If they are not on the panel they could put your in touch with solicitors on the conveyancing panel for your bank.
What is the optimum way to find out if the solicitor conducting my conveyancing in Redditch is on the mortgage lender’sconveyancing panel? I am looking to avoid the situation of having one lawyer for me and one for Skipton Building Society thus paying £175.00 in further legal bill.
You should take advantage of the search tool on this page. Please choose the mortgage company and type ‘Redditch’ or your preferred area and you will be presented with a number of lawyer based in Redditch or near you.
We are downsizing from our house in Redditch and according to the buyers it appears that there is a possibility that the property was built land that was not decontaminated. Any local lawyer would know that there is no such problem. It does beg the question why the purchasers used an online conveyancing practice as opposed to a conveyancing solicitor in Redditch. Having lived in Redditch for 5 years we know of no issue. Do we contact our local Authority to seek clarification that there is no issue.
It sounds as though you may have a conveyancing solicitor already. Are they able to advise? You need to enquire of your lawyer before you do anything. It is very possible that once the local authority has been informed of a potential issue it cannot be insured against (a bit like being diagnosed with a serious illness and then taking out life insurance to cover that same sickness)
Me and my brother have a 4 bedroom Victorian house in Redditch. Conveyancing solicitor represented me and Godiva Mortgages Ltd. I happened to do a free search for it on the Land Registry database and I saw two entries: the first freehold, the second leasehold with the exact same address. If a house is not a freehold shouldn't I have been informed?
You need to 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 owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Redditch and other locations in 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 mortgage companies. You can also enquire as to the situation with the conveyancing practitioner who completed the work.
Should I be wary that brokers that I am dealing with are suggesting a web based conveyancing firm rather than a High Street Redditch conveyancing practice?
As with many service providers, often referrals from connections can be extremely useful or valuable. But there are many people with a keen interest in a conveyancing transaction; estate agents, financial adviser and mortgage companies may suggest conveyancers to select. Sometimes these solicitors might be known to one of the organisations as being good in their field, but sometimes there might be a financial incentive behind the endorsement. You have the right to select your preferred conveyancer. However, bear in mind that some lenders have an approved list of lawyers you are obliged to use for the lender related work in your home move.
Being a leasehold owner I am on the hook for a service charge for my flat in Redditch. Due to losing my job and other issues I fell into arrears with remittance. The freeholders agreed a settlement schedule but there remains two outstanding at the current time.
I now wish to sell and I am concerned this can hold me back if I have to settle the arrears in advance. I'd like to sell up and subsequently discharge the arrears from the completion monies - is this achievable?
Your conveyancing practitioner will hopefully be able to negotiate with the management company, with a new to seeing if they would accept payment out of the sale proceeds. This is indicative of why it might be good to appoint a lawyer in Redditch as they may well enjoy an established relationship with the management company.