Last November we completed a house move in Belbroughton. We have noticed several problems with the property which we suspect were omitted in the conveyancing searches. Do we have any recourse? What searches should? have been conducted as part of conveyancing in Belbroughton?
It is not clear from the question as to the nature of the problems and if they are unique to conveyancing in Belbroughton. Conveyancing searches and investigations initiated as part of the buying process are carried out to help avoid problems. As part of the legal transfer of property, a seller completes a questionnaire known as a Seller’s Property Information Form. If the information is misleading, you may have a misrepresentation claim against the seller for any losses that you have suffered. The survey should have identified any problems with the structure of the property. Assuming a detailed survey was carried out and the issues were not identified, you may have a claim against the surveyor. However, if you did not have a full survey, you may be responsible for fixing any defects that have now been noted. We would always encourage buyers to take every possible step to ensure they are completely aware of the condition of a property before purchase regardless of whether they are buying in Belbroughton.
It is a dozen years since I bought my home in Belbroughton. Conveyancing solicitors have recently been retained on the sale but I am unable to locate my title documents. Will this cause complications?
Don’t worry too much. First the deeds may be with your lender or they may still be with the conveyancers who acted in the purchase. Secondly in most cases the property will be recorded at the land registry and you will be able to prove you own the property by your conveyancing lawyers obtaining up to date copy of the land registers. Nearly all conveyancing in Belbroughton relates to registered property but in the unlikely event that your home is not registered it adds to the complexity but is resolvable.
Are all Belbroughton Conveyancing Quality Solicitors on the Yorkshire BS conveyancing list of approved solicitors?
A selection of lenders now utilise CQS as the starting point for Panel approval such as HSBC and Santander. CQS membership however gives no guarantee to lender panel acceptance. Nevertheless,the CML have indicated that it is likely to become a pre-requisite for solicitor practices wishing to join their panels.
When it comes to lenders such as Aldermore, do Belbroughton conveyancers have to pay an annual charge to be on the conveyancing panel?
We are not aware of any lender fees to register on their panel, although some do levy an administration charge to deal with the processing of the conveyancing panel application.
The formalities of my purchase has taken place for my property in Belbroughton. Conveyancing was a necessary evil but I would like to complain about the lender. How does one go about formally complaining?
Almost all lenders have complaints procedures. Your first point of contact should be one of the lender’s branches or the Customer Services Department at head office. We understand that complaints to a lender are sorted out effectively and efficiently. However if you are not satisfied that 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.
I have todayfound out that Stirling Law have closed. They carried out my conveyancing in Belbroughton for a purchase of a leasehold flat 18 months ago. How can I establish that my home is in my name in the name of the former proprietor?
The easiest method to see if the premises is in your name, you can make 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 Belbroughton conveyancing specialists.
I'm refinancing my current home to a BTL loan with Britannia and I will use the rest of the raised equity as a deposit on a second house. The area we are interested in is Belbroughton. Will your lawyers be able to act for both sets of banks and link together the conveyances?
Make use of our search tool on this site to be sure that the solicitors are on the relevant lender panels. On the basis that they are your conveyancer should be able to connect the two deals but you should have a chat with you solicitor and specify your expectations and needs.