My house in Chesterfield is up for sale and I have a purchaser. Will the lawyer have to be required to be on the Bank of Ireland conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Bank of Ireland conveyancing panel they can still act for you on your sale. It might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
I am the single recipient of my late grandmother’s will and I have everything in my name now, including the my former home in Chesterfield. The Chesterfield property was put into my name in January. I plan to dispose of the house. I understand that there is a CML 6 month 'rule', which means that my proprietorship could be considered the same way as if I'd bought the house in January. Is the property unsalable for six months?
The CML handbook requires conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." By the strict wording you may be affected by that. How sensible a view mortgage companies take of it, depend on the lender as this provision is principally there to pick up on subsales or the quick reselling of properties.
I have paid off my mortgage with Lloyds. I assume I don't need a Chesterfield lawyer on the Lloyds panel to remove the mortgage at the Land Registry. Please confirm.
If you have finished paying off your Lloyds 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 Lloyds mortgage from the register. Lloyds, 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 Lloyds has sent the Land Registry the discharge electronically, and
- Lloyds has instructed the Land Registry to do so
Completion of my purchase has taken place for my property in Chesterfield. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. Who do I contact should I wish to lodge a complaint?
Most 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. Ordinarily complaints to a lender are sorted out very quickly. However if you are not satisfied that the matter is not resolved you can write to Financial Ombudsman Service who will take matters further.
The deeds to our property are lost. The conveyancers who conducted the conveyancing in Chesterfield 5 years ago have long since closed. Will I be able to sell the house?
In today’s world there are copies made of almost everything, and your conveyancer will be aware precisely where to look for all the appropriate paperwork so you may purchase or sell your house without a hitch. Where duplicates can’t be located, your conveyancer may be able to put in place insurance or indemnities protecting you against future claims on your premises.
Is it possible to swap firm as I have to choose a firm on the Lloyds TSB Bank conveyancing list. I instructed a family conveyancing solicitor in Chesterfield five minutes from me but he is not approved by Lloyds TSB Bank
We will our best to assist in finding you a conveyancing solicitor in Chesterfield on the Lloyds TSB Bank panel. Please note that the conveyancers that we list do not pay us commission if you instruct them and are regulated by the Solicitors Regulation Authority who oversee all conveyancing solicitors in Chesterfield. Using search facility on this site, you can scrutinise charges for conveyancing solicitors in Chesterfield and throughout England and Wales.
Is it necessary during the course of the conveyancing process to pop into the offices of the mortgage company conveyancing panel solicitor to sign the mortgage deed? If so, I will instruct a firm who offer conveyancing in Chesterfield as it will be easier to pop in to their offices if necessary.
Most conveyancing panel lawyers for the lender undertake all of the work via the post, internet or over the phone. This means that they can undertake your Conveyancing Transaction no matter where you live in England or Wales. YOu dont have to use a conveyancing solicitor in Chesterfield. However you should check if you can still book an appointment to go into appointed conveyancing lawyer if you prefer.