Solicitor is absolutely useless

davidmcn

tsolrm said:

davidmcn said:

It would help if you gave us some clues about the problems. It is pretty normal (and unavoidable) for completion statements not to be finalised under shortly before completion.

Right so what happens if I pay the wrong amount before completion because I got sent an incorrect statement?

Depends what you mean by the "wrong amount". If it's too much then you get the change back. If it's too little then completion won't happen until you make up the difference- but it doesn't sound like that's what's actually happened, and whataboutery isn't going to help you with any more valid complaints you might have.

What do you mean by 'finalised'?

Having all the correct items and amounts on it. Often things about the deal are still being sorted out at a late stage (particularly at the moment when exchange and completion are simultaneous, or almost), so knowing whether or not you're paying for e.g. indemnity policies, copy paperwork, and how much that costs may be something the solicitor won't know until the last minute. If there's a sale involved then the redemption figure can't be calculated until you know a proposed completion date and the lender has got back to the solicitor with a redemption statement. And so on. Yes, ideally you should be given an indicative figure at an earlier stage so you know roughly what's going to be involved, though to be honest you ought to be figuring that out yourself before you even start.

tsolrm

davidmcn said:

tsolrm said:

davidmcn said:

It would help if you gave us some clues about the problems. It is pretty normal (and unavoidable) for completion statements not to be finalised under shortly before completion.

Right so what happens if I pay the wrong amount before completion because I got sent an incorrect statement?

Depends what you mean by the "wrong amount". If it's too much then you get the change back. If it's too little then completion won't happen until you make up the difference- but it doesn't sound like that's what's actually happened, and whataboutery isn't going to help you with any more valid complaints you might have.

What do you mean by 'finalised'?

Having all the correct items and amounts on it. Often things about the deal are still being sorted out at a late stage (particularly at the moment when exchange and completion are simultaneous, or almost), so knowing whether or not you're paying for e.g. indemnity policies, copy paperwork, and how much that costs may be something the solicitor won't know until the last minute. If there's a sale involved then the redemption figure can't be calculated until you know a proposed completion date and the lender has got back to the solicitor with a redemption statement. And so on. Yes, ideally you should be given an indicative figure at an earlier stage so you know roughly what's going to be involved, though to be honest you ought to be figuring that out yourself before you even start.

Yes that is the point I am making. Completion wouldn't have happened because the wrong amount was not enough. I disagree completely that it is irrelevant, it's the solicitor's job to check things and if they are making simple errors - they aren't doing it properly.

You are overthinking this. There is no chain and the calculation is very simple. They just failed to use the correct mortgage offer amount in the amount due from the bank.

davidmcn

tsolrm said:

davidmcn said:

tsolrm said:

davidmcn said:

It would help if you gave us some clues about the problems. It is pretty normal (and unavoidable) for completion statements not to be finalised under shortly before completion.

Right so what happens if I pay the wrong amount before completion because I got sent an incorrect statement?

Depends what you mean by the "wrong amount". If it's too much then you get the change back. If it's too little then completion won't happen until you make up the difference- but it doesn't sound like that's what's actually happened, and whataboutery isn't going to help you with any more valid complaints you might have.

What do you mean by 'finalised'?

Having all the correct items and amounts on it. Often things about the deal are still being sorted out at a late stage (particularly at the moment when exchange and completion are simultaneous, or almost), so knowing whether or not you're paying for e.g. indemnity policies, copy paperwork, and how much that costs may be something the solicitor won't know until the last minute. If there's a sale involved then the redemption figure can't be calculated until you know a proposed completion date and the lender has got back to the solicitor with a redemption statement. And so on. Yes, ideally you should be given an indicative figure at an earlier stage so you know roughly what's going to be involved, though to be honest you ought to be figuring that out yourself before you even start.

You are overthinking this. There is no chain and the calculation is very simple. They just failed to use the correct mortgage offer amount in the amount due from the bank.

I'm not overthinking it, you hadn't given us many facts to go on.