Find an Approved Solicitor on the St James Place Bank
Conveyancing Panel
Q and A’s regarding the St James Place Solicitor Panel
My lawyer has never been on on the St James Place Approved Panel. Can I still retain my family solicitor even though they are excluded from the St James Place panel of approved conveyancing solicitors?
You will need to have a conveyancer complete the legal work required when you take out a St James Place mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the St James Place conveyancing panel additional costs will be incurred as separate legal representation will be required by St James Place. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
My son-in-law is in the process of securing a new build apartment with a home loan from St James Place. His solicitor has said that there is a delay in receiving the ‘Disclosure of Incentive Form’. This document is news to me - what is it and who needs sight of it?
The document is intended to provide information to the main parties engaged in the purchase. Therefore, it will be provided to your son’s lawyer who should be on the St James Place conveyancing panel as a standard part of the process, and to the surveyor when requested.
The Developer will be required to start the process by downloading the form and completing it.
The form will therefore need to be available for the valuer at the time of his or her site visit. The form should be sent to the St James Place conveyancing panel solicitor as early as possible, in order to avoid any last minute delays, and no later than at exchange of contracts.
I am purchasing a house and require a conveyancing solicitor in Liverpool who is on the St James Place approved. Could you point me in the right direction as regards a firm?
Our service is a directory service for firms who wish to be listed as being on the approved conveyancing panel for St James Place . We don’t recommend any particular firm.
I am in the process of refinancing my apartment does my lawyer have to be on the St James Place Conveyancing panel?
There is nothing to stop you using your solicitor but St James Place will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.
Completion of my purchase has taken place with a loan from St James Place. Conveyancing was a necessary evil but I feel I should register my dissatisfaction about St James Place. How do I make a complaint?
Most lenders have complaints procedures. Your first point of contact should be one of the St James Place branches or the Customer Care Team at St James Place head office. In most cases complaints to St James Place are resolved effectively and efficiently. However if you are not satisfied that the matter is resolved you can write to the
Financial Ombudsman Service who will take matters further.
Can I register a complaint to St James Place about the lawyers being on the St James Place conveyancing panel?
There is little point in complaining directly to St James Place. All solicitors and conveyancer must have a complaints procedure. You can get 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.
I can not work out if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have telephoned St James Place on various occasions and told it wasn't a problem and they would lend. My solicitor - who is on the St James Place conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. I simply dont know who is right
As long as the conveyancer is on the St James Place panel she or he must comply with the CML Handbook requirements for St James Place. Unless your lawyer obtains specific confirmation in writing that St James Place will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask St James Place to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.