Royal Bank of Scotland Solicitor Panel Example Support Desk Enquires
from members of the public
I need to swap lawyers as my lawyer is not on the Royal Bank of Scotland 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.
Our solicitor has identified a problem with the lease for the apartment we are buying. The other side have offered defective title insurance as a solution. We are happy with insurance and will cover the costs. Our lawyer says that as he is on the Royal Bank of Scotland conveyancing panel he must be satisfied that the lender is happy with this solution. Who is the client here, us or Royal Bank of Scotland?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and Royal Bank of Scotland are the client. A precondition to being on the Royal Bank of Scotland approved panel is to comply with the CML Handbook requirements (last updated for this lender on Royal Bank of Scotland). The CML Handbook conditions require your lawyer to disclose issues such as defects will the lease so that Royal Bank of Scotland can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected . Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
Do all mortgage companies provide you with an approved list of solicitors? How do you know who is on the Royal Bank of Scotland conveyancing panel?
The law firm practices themselves provide us confirmation that they are on the Royal Bank of Scotland conveyancing panel as opposed to being supplied with a list from Royal Bank of Scotland directly.
I would like to get my former partner taken off the mortgage deeds. Can Royal Bank of Scotland really insist on which solicitor I can or can not use?
You can use any solicitor you like but Royal Bank of Scotland then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Royal Bank of Scotland solicitors panel
Do conveyancing lawyers on the Royal Bank of Scotland conveyancing panel work on a no sale no fee basis?
In the main 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 package
My wife and I have arranged a further advance on our mortgage from Royal Bank of Scotland as we wish to carry out alterations or improvements our home. Do we need to appoint a solicitor on the Royal Bank of Scotland conveyancing panel to deal with the paperwork?
Royal Bank of Scotland do not ordinarily instruct firms on their conveyancing panel to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the Royal Bank of Scotland panel
We expect to receive a DIP from Royal Bank of Scotland this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc).Do the Royal Bank of Scotland recommend a solicitor on the Royal Bank of Scotland conveyancing panel, or is it better to find our own lawyer
You will need to appoint solicitors independently although you'll need to choose one on the Royal Bank of Scotland conveyancing panel. The solicitor represents both you and the Royal Bank of Scotland through the process.