Chancel repair rip off?

mooma29

My buyer has been told by his solicitor he must take out chancel repair indemnity insurance. The premium for which is 24 quid. I know the various views on that but well it’s not that much is it and his lender is insisting apparently. Anyway he reckons his solicitor want to add on £1300 fee for arranging this, and he’s asking if I’ll contribute. I’ve said I think he must be mistaken and is that his whole Conveyancing fee? He says no they want 1300 for Conveyancing, and 1300 for the chancel thing.he’s going to check with them tomorrow, but has anyone come across this before? It just seems really unlikely to me.
Thanks
Mooma

davidmcn

No, it's complete nonsense. Either he's got completely the wrong end of the stick, or he thinks you're gullible.

babyblade41

Absolute nonsense... someone has their wires crossed.

I had to take out chancel indemnity insurance on a previous house ... it's no more work than any other insurance and will definitely not cost that !!!

Robin9

There is not a church in the country which would try to enforce Chancel Repair Liability. One did and got into real hot water.

Imagine if it could be proved and there were 100 houses involved and just 1 said "no way"

da_rule

When did you purchase the house? If it was after 13 October 2013 (and assuming the chancel repair liability isn’t recorded on your title register) then chancel repair won’t apply to your property (even if a search reveals a potential liability).

AlexMac

In the days before chancel liability was on the LR, I got stung for it as a buyer, but as I was the only likely beneficiary of the protection against the (absolutely infinitessimal) risk, I regarded it as my problem...

And I never paid more than a few quid, so your buyer's solicitor is being unprofessionally exploitative to the point of fraud... I know what I'd do if it was my solicitor now!

ACG

It wont be £1300 to arrange the policy.

Tell him to set it up himself - http://www.searchpoint.co.uk/chancel-repair-insurance/ - here is an example. I only charge £495 for that link

G_M

mooma29 wrote: »

.... he reckons his solicitor want to add on £1300 fee for arranging this, ...

:rotfl::rotfl::rotfl::rotfl::rotfl:




Either


* he's trying to con you, or
* his solicitor is conning him, or
* he's misunderstood

mooma29

We’ve had the house for 22 years. I really think he’s got wrong end of the stick, he’s found most of it a bit of a struggle to be honest, but we’re supposed to be exchanging in Friday so I think I’m having a bit of a panic he’ll pull out. I know it can’t be right it’s just a silly figure but he’s convinced. I guess I’ll have to talk to the solicitors tomorrow.

mooma29

Panic over. This is his actual Conveyancing bill of which 24 quid is the chancel check thing. I knew it couldn’t be correct but I stressed all night about it anyway. Onwards and upwards to exchange on Friday. Thanks to those of you who took the time to reassure me.
Mooma

adamdylan

what Da Rule says is right

No longer relevant on new purchases and not in deeds
search articel by quantuslegal.
CONCLUSION
In summary, liability continues unless and until the land has been purchased, for valuable consideration, since 13 October 2013. Following such a purchase (assuming no notice of the right has been registered) the landowner will not be liable and nor will anyone who acquires the land from or through him. However, prior to such a purchase the landowner, together with any tenant or mortgagee, must be aware that chancel repair liability may still be enforced. In addition, there is a continuing risk that a notice will be registered against your title and the burden will be on you to remove this.