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Chancel liability insurance - paid but never received certificate from solicitors
user1168934
Posts: 565 Forumite
I bought my property about 5 years ago. I was just going through the documents and have realized that even though I paid for the chancel insurance, I never received the certifiacte back from the solicitors.
I can see in the emails back then that the solicitor asked me to include a certain amount for chancel insurance. I don't think I ever got a final breakdown from the solicitor stating chancel but I should be able to verify from the money I transferred that I paid for it. It was all very badly managed. I had to correct their statement of accounts a few times, the amounts were all over the place. I guess I was overwhelmed and never really checked if I got everything.
Anyway, what should I do now? I have sent an email to the solicitor and have not heard back yet.
Will I have to pay for it again? Is it a must to buy it?
Another thing ... the solicitor is still holding/storing the original documents for me. Should I ask for them back?
I can see in the emails back then that the solicitor asked me to include a certain amount for chancel insurance. I don't think I ever got a final breakdown from the solicitor stating chancel but I should be able to verify from the money I transferred that I paid for it. It was all very badly managed. I had to correct their statement of accounts a few times, the amounts were all over the place. I guess I was overwhelmed and never really checked if I got everything.
Anyway, what should I do now? I have sent an email to the solicitor and have not heard back yet.
Will I have to pay for it again? Is it a must to buy it?
Another thing ... the solicitor is still holding/storing the original documents for me. Should I ask for them back?
Marriage is hard. Divorce is hard. Choose your hard.
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Being in debt is hard. Being financially disciplined is hard. Choose your hard.
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Life will never be easy. It will always be hard. But you can choose your hard.
Obesity is hard. Being fit is hard. Choose your hard.
Being in debt is hard. Being financially disciplined is hard. Choose your hard.
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Comments
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Only a must if your mortgage company insisted on it. The chances of you needing it are slim to none, but understand it's still a risk and you want the certificate.2024 wins: *must start comping again!*0
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Does the policy even have a "certificate"?0
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Does the policy even have a "certificate"?
I don't know but it should at least have a policy number of some kind. I never received any information in that respect.Marriage is hard. Divorce is hard. Choose your hard.
Obesity is hard. Being fit is hard. Choose your hard.
Being in debt is hard. Being financially disciplined is hard. Choose your hard.
Communication is hard. Not communicating is hard. Choose your hard.
Life will never be easy. It will always be hard. But you can choose your hard.0 -
It'll have some sort of pdf spat out by the insurers' computer. I would just chase up the solicitors, they'll have it somewhere.Does the policy even have a "certificate"?user1168934 wrote: »the solicitor is still holding/storing the original documents for me. Should I ask for them back?
There probably aren't any "original" bits of paper of any value (e.g. the Land Registry title is whatever is on the LR's computer), but you can certainly ask them to send you copies.0 -
It'll have some sort of pdf spat out by the insurers' computer. I would just chase up the solicitors, they'll have it somewhere.
There probably aren't any "original" bits of paper of any value (e.g. the Land Registry title is whatever is on the LR's computer), but you can certainly ask them to send you copies.
It's a flat so there should at least be original lease and an extension of the lease plus some licenses of the work done ... I think.Marriage is hard. Divorce is hard. Choose your hard.
Obesity is hard. Being fit is hard. Choose your hard.
Being in debt is hard. Being financially disciplined is hard. Choose your hard.
Communication is hard. Not communicating is hard. Choose your hard.
Life will never be easy. It will always be hard. But you can choose your hard.0
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