Melton Mowbray Building Society Conveyancing Panel : Questions and Answers
from members of the public
I need to swap lawyers as my lawyer is not on the Melton Mowbray Building Society panel of conveyancing solicitors. Is it practical to instruct different lawyers?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
My wife and I changing mortgage lender for our flat with Melton Mowbray Building Society. We have a son 18 who lives with us. The solicitor on the Melton Mowbray Building Society conveyancing panel requested us to identify any adults other than ourselves who lives in the flat. The solicitor has now sent a form for our son to sign, giving up any rights in the event that the apartment is forfeited by the lender. I have a couple of questions (1) Is this form unique to the Melton Mowbray Building Society conveyancing panel as he did not need to sign this form when we bought 3 years ago (2) Does our son by signing this giving up his rights to inherit the property?
First, rest assured that your Melton Mowbray Building Society 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 Melton Mowbray Building Society .This is solely used to protect the Melton Mowbray Building Society 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 Melton Mowbray Building Society 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.
Do all the licensed conveyancers and solicitor practices listed on your search have online case tracking as I was under the impression that this was a precondition of being on the Melton Mowbray Building Society conveyancing panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
I am buying a terraced house and getting a mortgage with Melton Mowbray Building Society. Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Melton Mowbray Building Society conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Melton Mowbray Building Society conveyancing panel in your location.
My fiance and I are spending time viewing flats 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 Melton Mowbray Building Society
It would be sensible to have your start your search soon rather than later. 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 Melton Mowbray Building Society , make sure you remember to check that your lawyer is on the Melton Mowbray Building Society conveyancing panel.
On the whole I have been dissatisfied with the level or service received from my lawyer. Is there a Melton Mowbray Building Society conveyancing panel complaints department or do I complain directly to the law firm?
There is little point in complaining directly to Melton Mowbray Building Society. 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 properly dealt with 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 am due to exchange contracts on my house. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s mortgage company, Melton Mowbray Building Society are being pedantic. The solicitor who is on the Melton Mowbray Building Society conveyancing panel is recommending indemnity insurance as a solution but Melton Mowbray Building Society are insisting on a building regulation certificate. Why do Melton Mowbray Building Society have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Melton Mowbray Building Society have referred the matter to their valuer. The reason why Melton Mowbray Building Society may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.