Me and my partner are about to exchange buying a property in Torpoint but as a result of damage from the recent storms I have was able negotiate compensation from the owner in the sum of £3k by way of a deduction in the price. I had intended this to be dealt with as part of amending the contract but Co-operative will not permit this. Should they have been informed?
The conveyancing practitioner being on a Co-operative conveyancing panel is required to advise Co-operative of any changes to the purchase price. If you prohibit your lawyer to notify the price change to Co-operative then they would have to discontinue acting for you. In addition, Co-operative and you would have to appoint a new property lawyer for your conveyancing in Torpoint.
It is a dozen years since I acquired my property in Torpoint. Conveyancing solicitors have recently been instructed on the sale but I can't track down my title documents. Will this jeopardise the sale?
Don’t worry too much. Firstly the deeds may be with the mortgage company or they may be in the possession of the solicitor who acted in your purchase. Secondly the chances are that the property will be registered at the land registry and you will be able to prove you own the property by your conveyancing lawyers procuring current official copies of the land registers. Most conveyancing in Torpoint relates to registered property but in the rare situation where your property is unregistered it adds to the complexity but is not insurmountable.
What is your number one tip for finding a conveyancing solicitor in Torpoint
Do not opt for the lowest Torpoint conveyancing costs illustration. You really do get what you pay for when it comes to conveyancing solicitors. A cheap quote may mean that the conveyancing solicitor is handling a lot of jobs at one time and you won’t get the quality of service and the attention that you need. It is, however, wise to use a conveyancer who has a fixed fee on a no sale, no fee basis. This way, you know exactly what you’ll have to pay in advance.
We have agreed to purchase a house in Torpoint. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Lloyds be concerned?
Given that your lender is Lloyds your lawyer must comply with the conveyancing requirements outlined in Part two of UK Finance Lenders’ Handbook for Lloyds. The CML Handbook contains minimum requirements for solar panel roof-space leases, and conveyancers are required to report to Lloyds where a lease fails to satisfy these requirements. The conditions relate to the installation of panels on properties in England and Wales and is not restricted to Torpoint.
Completion of my purchase has taken place for my property in Torpoint. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about the lender. How do I make a complaint?
Most banks and building societies have complaints procedures. Your first port of call should be one of the lender’s branches or the Customer Services Department at head office. In most cases 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.
I used Action Conveyancing a few years past for my conveyancing in Torpoint. Now, I need my documents but the law firm is no longer operating. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Torpoint of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
Am I best advised to use a Torpoint conveyancing solicitor based in the location that I am buying? An old friend can deal with the conveyancing but her office is over three hundred miles drive away.
The benefit of a local Torpoint conveyancing practice is that you can pop in to execute documents, present your identification documents and apply pressure on them where appropriate. Having local Torpoint know how is a plus. However nothing is more important than finding someone that will pull out all the stops for you. If other friends have instructed your friend and in the main were impressed that should trump using an unfamiliar Torpoint conveyancing solicitor just because they are based in the area.