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approved by RBS - Direct Line
Ready to buy a new home? Failing to check that a lawyer is on the RBS - Direct Line list of approved solicitors can put your transaction at risk of delay or failure.
Looking for information about your firm's panel status?
How does my firm apply to be on the The Royal Bank of Scotland plc Direct Line Mortgages Conveyancing Panel? How can my firm be reinstated onto the The Royal Bank of Scotland plc Direct Line Mortgages Conveyancing Panel?Find an Approved Solicitor on the The Royal Bank of Scotland plc Direct Line Mortgages Conveyancing Panel
FAQs for the RBS - Direct Line Conveyancing Panel
A conveyancer my fiance and I wanted to use for conveyancing on a remortgage said she would charge more if my lender is because of their unusual legal requirements. Am I likely to be frustrated using RBS - Direct Line? Any comments will be appreciated
RBS - Direct Line conveyancing requirements for their panel are no better or no more complicated than most lenders.
It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender.
It is not clear if your lawyer is on the RBS - Direct Line conveyancing panel. If they are not, this does add further risk of delay as RBS - Direct Line will appoint their own solicitors to look after their interest.
I am buying a new build apartment and my conveyancer is informing me that she has to reveal incentives from the developer as her firm is on the RBS - Direct Line conveyancing panel. The Estate Agents are hassling me to exchange and I have no desire to prolong matters. Is my lawyer right?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the RBS - Direct Line approved panel is to comply with the CML Handbook requirements (last updated for this lender on RBS - Direct Line). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Do banks and building societies provide you with an approved list of solicitors? How do you know who is on the RBS - Direct Line conveyancing panel?
The law firm practices themselves provide us confirmation that they are on the RBS - Direct Line conveyancing panel as opposed to being supplied with a list from RBS - Direct Line directly.
I was supposed to complete on my dream home two days ago. My solicitor is on the RBS - Direct Line conveyancing panel but has changed address in the past couple of months and had not advised RBS - Direct Line of their new address. RBS - Direct Line has locked down the release of mortgage funds until such time as their systems are up to date with the correct details.
This is as unusual as it is unlucky. Most lender Terms of Conveyancing Panel Appointment specifically oblige the solicitor to inform the lender of an address change. Your solicitor needs to treat this with the utmost urgency. Do speak with or register your concern with the senior partner (assuming he or she is not your direct lawyer). Most lenders would be reasonable in this situation and expedite the resolution of this issue. It may be prudent to enlist the help of your local RBS - Direct Line branch or your mortgage broker to see if they can help.
Do conveyancing solicitors on the RBS - Direct Line conveyancing panel work on a no sale no fee basis?
On the whole there are no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their service
I had instructed online conveyancers based in London who are on the RBS - Direct Line solicitor panel. They have just invoiced me a separate fee of £175 for dealing with the RBS - Direct Line mortgage. Is this a supplemental conveyancing fee set by RBS - Direct Line?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by RBS - Direct Line but by your lawyers. Some firms on the RBS - Direct Line will charge an ‘acting for lender’ fee and others do not.
I have paid off my mortgage with RBS - Direct Line. I assume I don't need a solicitor on the RBS - Direct Line panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your RBS - Direct Line 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 RBS - Direct Line mortgage from the register. RBS - Direct Line,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 the RBS - Direct Line has sent the Land Registry the discharge electronically, and
the RBS - Direct Line has instructed the Land Registry to do so
The Land Registry will send you a letter confirming that your RBS - Direct Line mortgage has been paid off.
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