Solicitor journey when buying 1st House

FtbDreaming

My mortgage broker has emailed the solicitor a breakdown of funds so hopefully it’ll be sorted now. 

Ive seen on my credit report they have also done a AML credit search yesterday so fingers crossed things are getting done!

FtbDreaming

My mortgage broker has emailed the solicitor a breakdown of funds so hopefully it’ll be sorted now. 

Ive seen on my credit report they have also done a AML credit search yesterday so fingers crossed things are getting done!

FtbDreaming

I edited the thread title.. wrote that between night shifts and it was probably a bit harsh! 

Andrew31

fred246 said:

When you employ a solicitor to do house conveyancing they often don't do it themselves but employ a lower paid worker to do it for them while they do important things like phoning people up and telling them they've had an accident they need to claim for.

What a worthwhile contribution to help this person out.  Thanks Fred, salt of the earth. #chiponyoursholder

Thrugelmir

henry24 said:

Solicitor's do seem to drag things out to make it look as though they are earning their money, my friend rung his solicitor up on Monday to see how his purchase was coming along to be told they are waiting for an answer to some questions from the sellers solicitor turned out they have been waiting 2 weeks and nobody's thought to follow it up. He made a phone call and answers came same day.

If it makes your friend feel better by doing so. Then that's fine. Probably hasn't achieved much in speeding up the process though. Trouble is when you really do need to speak to someone. There'll be in meetings or otherwise unresponsive. 

FtbDreaming

Ive had another email from my solicitor today (well his assistant i reckon) and I am not happy with the tone of it at all. She has used the word ‘clearly’ four times and appears to be implying that I have told lies regarding my mortgage deposit. I did not do the application a broker did and I gave them all the correct information. 

Her finishing line was ‘clearly we need to inform Halifax and we have now done so’. I have nothing to hide but am terrified the offer is going to fall through and I have already paid out £1000. My broker recommended this solicitor as a good one they have worked with and who is on the lenders panel, but I have had no communication from them apart from these 2 emails. Its beginning to give me anxiety now as its been 4 weeks since they were instructed and the mortgage offer was already in place. 

FtbDreaming

I followed up the email with a phonecall and they basically haven't done anything after almost 4 weeks. They haven't even sent off for the searches despite me having paid weeks ago as they need to make sure the mortgage offer is valid before they start the searches. 

Is this normal? I am getting major annoyed now. My mortgage offer expires 30th June and I'm paying rent whilst this is getting prolonged. The mortgage offer was in place via a broker prior to instructing the solicitors so I don’t understand why its taken 4 weeks just to verify it. 

And the solicitor is on holiday this week. I guess thats a hint not to call back this week. 

AdrianC

FtbDreaming said:

Ive had another email from my solicitor today (well his assistant i reckon) and I am not happy with the tone of it at all. She has used the word ‘clearly’ four times and appears to be implying that I have told lies regarding my mortgage deposit. I did not do the application a broker did and I gave them all the correct information. 

Her finishing line was ‘clearly we need to inform Halifax and we have now done so’. I have nothing to hide but am terrified the offer is going to fall through and I have already paid out £1000. My broker recommended this solicitor as a good one they have worked with and who is on the lenders panel, but I have had no communication from them apart from these 2 emails. Its beginning to give me anxiety now as its been 4 weeks since they were instructed and the mortgage offer was already in place. 

Remember that the solicitor acts for your lender, as well as for you - that's what "on their panel" means, that the lender are happy with that solicitor.

I think you're reading a bit much into the use of one word. Apart from that one word, what's making you read that implication?

FtbDreaming

AdrianC said:

FtbDreaming said:

Ive had another email from my solicitor today (well his assistant i reckon) and I am not happy with the tone of it at all. She has used the word ‘clearly’ four times and appears to be implying that I have told lies regarding my mortgage deposit. I did not do the application a broker did and I gave them all the correct information. 

Her finishing line was ‘clearly we need to inform Halifax and we have now done so’. I have nothing to hide but am terrified the offer is going to fall through and I have already paid out £1000. My broker recommended this solicitor as a good one they have worked with and who is on the lenders panel, but I have had no communication from them apart from these 2 emails. Its beginning to give me anxiety now as its been 4 weeks since they were instructed and the mortgage offer was already in place. 

Remember that the solicitor acts for your lender, as well as for you - that's what "on their panel" means, that the lender are happy with that solicitor.

I think you're reading a bit much into the use of one word. Apart from that one word, what's making you read that implication?

It was the first email saying I had told Halifax i had £12,300 discount which I haven't. I gave my broker all the figures and they applied for the mortgage. As far as I knew it was £9,000 discount and £3,300 savings. 

I seem to only have dealings with the assistant / receptionist whoever she is and the actual solicitor is on holiday. 

The lack of communication is my biggest problem. And then when I have had contact its been extremely snooty! 

davidmcn

FtbDreaming said:

AdrianC said:

FtbDreaming said:

Ive had another email from my solicitor today (well his assistant i reckon) and I am not happy with the tone of it at all. She has used the word ‘clearly’ four times and appears to be implying that I have told lies regarding my mortgage deposit. I did not do the application a broker did and I gave them all the correct information. 

Her finishing line was ‘clearly we need to inform Halifax and we have now done so’. I have nothing to hide but am terrified the offer is going to fall through and I have already paid out £1000. My broker recommended this solicitor as a good one they have worked with and who is on the lenders panel, but I have had no communication from them apart from these 2 emails. Its beginning to give me anxiety now as its been 4 weeks since they were instructed and the mortgage offer was already in place. 

Remember that the solicitor acts for your lender, as well as for you - that's what "on their panel" means, that the lender are happy with that solicitor.

I think you're reading a bit much into the use of one word. Apart from that one word, what's making you read that implication?

It was the first email saying I had told Halifax i had £12,300 discount which I haven't. I gave my broker all the figures and they applied for the mortgage. As far as I knew it was £9,000 discount and £3,300 savings. 

The solicitor can't work on the basis of what you tell them you told your broker, they need to go with what they are told by the lender. So if the info they receive from the lender doesn't correspond with what you are saying, they need to check with the lender. There is nothing noteworthy or worrisome about this.