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My financial adviser has informed me that I have to pay Sainsburys Bank fees should I instruct my family lawyer. How good are the Sainsburys Bank conveyancing panel solicitors? I dont care which law firm I use provided that they are good and not exorbitantly priced. Are there any Sainsburys Bank conveyancers you'd recommend?
Sainsburys Bank’s conveyancing panel is substantial so your best bet is just to check with the firms you are getting quotes from that they are on the panel. You can search by postcode on the search tool on this site to find solicitors that Sainsburys Bank will allow to act for them.
Our solicitor has identified a defect with the lease for the apartment we are buying. The other side have offered defective title insurance as a workaround. We are happy with insurance and will cover the costs. Our solicitor has advised that as he is on the Sainsburys Bank conveyancing panel he must ensure that the lender is happy with this solution. Are we the client or is Sainsburys Bank?
Just because you have a mortgage offer from Sainsburys Bank does not mean to say that the property will be meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the CML Handbook Requirements. You and Sainsburys Bank are the client. The appropriate lender requirements must be adhered to by the Sainsburys Bank conveyancing panel who has to balance acting for you and Sainsburys Bank
I have been searching for conveyancing quotes online. Can I be confident that all the law firms that are identified on your site are on the Sainsburys Bank conveyancing panel?
The law firms on our directory have advised us that they are on the Sainsburys Bank panel and agreed to advise us to take down their listing in the event of removal off of the Sainsburys Bank panel. To date we have not been informed by either a mortgage company or a member of the public that the data about a specific firm being on the Sainsburys Bank conveyancing panel is not accurate.
What happens if my solicitor is suspended from the Sainsburys Bank Conveyancing panel prior to the moving date as agreed at exchange of contracts?
The first thing to point out is that, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit at a cost.
What are the common reasons for a lender such as Sainsburys Bank to withdraw a mortgage offer?
Lenders such as Sainsburys Bank can withdraw their mortgage offer although this rarely happens. In the unlikely event that Sainsburys Bank withdraw their offer they may or may not inform you or the lawyer as to the reasons why. There are many potential reasons but here are a number of examples:
- Many mortgage offers have an expiry date. Your lawyer should check this. Sainsburys Bank may amend or withdraw an offer before the end of its validation period if an offer extension is requested and following a re-evaluation of the property the value of the security is below a level which is acceptable to them.
- If the borrower informs Sainsburys Bank of a change in security address
- Amendments if purchase price adjusted and the loan to value limits exceeded by this. Please note that Sainsburys Bank conveyancing panel solicitors would be obliged to notify Sainsburys Bank of a change in the price of the property.
- Following advice from the property assessor on their lender panel or If the lender has doubts about the effectiveness of the valuation as a result of subsequent events or information received post valuation but pre completion
- If the lender reasonably believe that the applicant, borrower, mortgagor or guarantor is insolvent or is about to become insolvent or has or will have a petition presented or if any one or all enter into any arrangement with their creditors generally or if any one or all should suffer a material change in their financial circumstances
Completion of my remortgage has taken place with a loan from Sainsburys Bank. Conveyancing was satisfactory but I feel I should register my dissatisfaction about Sainsburys Bank. Who do I contact should I wish to lodge a complaint?
Almost all lenders have complaints procedures. Your first point of contact should be one of the Sainsburys Bank branches or the Customer Care Team at Sainsburys Bank head office. Ordinarily complaints to Sainsburys Bank are sorted out effectively and efficiently. However if you are not satisfied that the matter is resolved you can write to the
Financial Ombudsman Service with full details of your complaint.
Can I register a complaint to Sainsburys Bank about the lawyers being on the Sainsburys Bank conveyancing panel?
Complaining to Sainsburys Bank about their conveyancing panel is unlikely to yield much of a response. All solicitors and conveyancer must have a complaints procedure. Usually one can find this information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.
The Legal Ombudsman will make sure that your complaint is addressed by the solicitor. It can also advise you how to complain.
If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.
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