Ahli United Bank Solicitor Panel Recently Asked Questions from members of the public
My lawyer has never been on on the Ahli United Bank Approved Panel. Is it possible for me to use my preferred solicitor notwithstanding that they are not on the Ahli United Bank panel of approved conveyancing solicitors?
You have a number of options available to you here:
- Complete the purchase with your preferred lawyers but Ahli United Bank will need to instruct a lawyer on the Ahli United Bank conveyancing panel. This will result in additional cost and potential delay.
- Get a new solicitor to act in the purchase, obviously checking they are on the Ahli United Bank conveyancing panel.
- Convince your lawyer to do everything within their powers to join the Ahli United Bank conveyancing panel
My partner and I changing mortgage lender for our flat with Ahli United Bank. We have a son 19 who lives with us. The solicitor on the Ahli United Bank conveyancing panel requested us to identify any adults other than ourselves who reside at the property. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the flat is forfeited by the lender. I have two concerns (1) Is this form unique to the Ahli United Bank conveyancing panel as he did not need to sign this form when we remortgaged 5 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
First, rest assured that your Ahli United Bank conveyancing panel solicitor is doing the right thing as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Ahli United Bank .This is solely used to protect the Ahli United Bank if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.
It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Ahli United Bank had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.
How do I search for a local solicitor on the Ahli United Bank conveyancing panel? I have a car and am prepared to travel up to 25 kilometers to meet the conveyancer.
Feel free to make use of the find a conveyancing panel tool on this page. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Ahli United Bank solicitor panel.
The firm that I appointed last week on my house acquisition in Hendon has suddenly closed. I only went with them because I needed a firm on the Ahli United Bank conveyancing panel and my family lawyer was not. I gave my credit card details for them to take £175 for searches. What should be my next steps?
Assuming that you have an Estate Agent in the equation then inform them immediately so that they advise the vendors that there may be a slight delay due to the problems encountered. Most sellers would be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the Ahli United Bank conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new lawyers may be able to assist
I have agreed a price on a house I spoke to a solicitor recommended by my brother and he suggested instructing a property lawyers approved by Ahli United Bank. The estate agent recommended two local firms so I asked Ahli United Bank if the 2 suggested solicitors are approved, which they are not. Ahli United Bank pointed out that either practice can fill out the appropriate forms to become approved. Do I (1) save myself the aggravation and use one of Ahli United Bank 's conveyancing panel solicitors (2) Use the local solicitor and accept there may be delays etc as they go through the approval process.
Enquire of Ahli United Bank for conveyancing panel firms in your area. Most banks have lawyers on their panel throughout the UK. You can also use our search tool at the top of this page to search for a lawyer on the Ahli United Bank conveyancing panel based on location. If you particularly like the sound of one of the local lawyers that you have spoken to ask them if they would go onto Ahli United Bank conveyancing panel as it may only take about 2-3 weeks. As long as they meet Ahli United Bank’s requirements it can be a very simple job for the solicitor. Other stuff will be going on in parallel (as you are at an early stage) so it may not delay matters.
My husband and I are spending time viewing houses and am about to put in an offer. Should I already have a conveyancer appointed at this stage? I will be getting a home loan with Ahli United Bank
You should start obtaining conveyancing quotes from solicitors ASAP. After you have chosen your lawyer and once your offer is accepted you can instruct them to work for you and pass their details on the the estate agent. As you are getting a mortgage with Ahli United Bank , ask your prospective lawyers check they are on the Ahli United Bank conveyancing panel otherwise they can't do the mortgage legal work.
I had an offer accepted on a property on the 6th January 2014, valuation was booked 4 days later, received a clean bill of health. Solicitor instructed, so the only thing outstanding was my mortgage offer. Having made daily calls to Ahli United Bank and chasing them on my offer I have now been told that my offer will not be issued unless the lawyer is on the Ahli United Bank conveyancing panel. Are Ahli United Bank entitled to hold back the Mortgage pending the lawyer being on the approved list?
A lender would not issue a mortgage until they have details of a lawyer on their panel. It can take a few weeks for Ahli United Bank to deal with your lawyers application to be on the Ahli United Bank conveyancing panel. There's no guarantee that your solicitors will be accepted.
