Solicitors trying to make pocket money?

jo03gra

Is it normal for solicitors to throw a few unforeseen expenditures at you just as you’re about to exchange. It feels like 12 weeks down the line of what should be a fairly straightforward chain of first time buyer, myself and an empty no upward chain I’m moving to.
all of a sudden I need to agree to indemnity insurance on an orangery to cover the lack of planning permission. Planning permission it did not require.
I can’t make any sense of it.

Other things besides which I cannot prove do not exist ! I need a policy making.. … do I have to just say yeah what ever keep raiding my small pot of money. It feels like I’m being mugged for no good reason.
is this normal practice? I would mind but I can’t even speak to anyone  😡 

MultiFuelBurner

Indemnity policies are the normal these days and yes could be described as a money making scheme.

jo03gra

MultiFuelBurner said:

Indemnity policies are the normal these days and yes could be described as a money making scheme.

Is there any point in challenging these demands or do I just have to suck it up? 🫤 thanks 

elsien

You could refuse. Your buyer could walk away.
It’s a judgement call. But first time buyers tend to be quite nervous so do you want to risk your house sale for the sake of a probably quite cheap indemnity?

lika_86

From your other post it's the buyers who seem to be insisting on comfort regarding your orangery. If they aren't happy with your say so and want an indemnity, then your issue is not with your solicitors, who will just be advising you that this is going to be the easiest way to deal with their query. It's a small cost in the grand scheme of things.

The suggestion that this is pocket money for your solicitors is ridiculous.

jo03gra

elsien said:

You could refuse. Your buyer could walk away.
It’s a judgement call. But first time buyers tend to be quite nervous so do you want to risk your house sale for the sake of a probably quite cheap indemnity?

I obviously wouldn’t let it get to that. Call me cynical but the house was built in 2012 and was originally transferred to the first owner.,if it was missing then wouldn’t the buyers solicitor flag it up. I purchased this house 5 years ago wouldn’t my solicitor have picked up on it. Which got me thinking. 

Did my previous solicitor send me a copy of the transfer deed and was there a coloured copy in that file? Yes and yes. 

Most people would have said yes to the solicitor to get it over the line. 

Ksw3

We made the sellers pay for the indemnity

jo03gra

lika_86 said:

From your other post it's the buyers who seem to be insisting on comfort regarding your orangery. If they aren't happy with your say so and want an indemnity, then your issue is not with your solicitors, who will just be advising you that this is going to be the easiest way to deal with their query. It's a small cost in the grand scheme of things.

The suggestion that this is pocket money for your solicitors is ridiculous.

The thing that’s annoying me is the orangery is 2 years old. Has a full final certificate to prove its building regulations and comes with an insurance indemnity certificate. It is guaranteed for 20 years. It didn’t need planning permission as it’s within the  permitted size etc.. 

So what are they asking me for? What is the purpose? And why does it take until week twelve to ask for it just before exchange? 

Green_hopeful

You can says that the insurance policy is pointless and you are happy to give them the money but you are not willing to buy pointless insurance. We had the same on a boiler that was 10 years old and had been totally reinstalled when we renovated the house but didn’t have building regs. Building regs has 12 month limit on enforcing so would be pointless insurance. The solicitors stopped paining me at that point. 

TBG01

jo03gra said:

lika_86 said:

From your other post it's the buyers who seem to be insisting on comfort regarding your orangery. If they aren't happy with your say so and want an indemnity, then your issue is not with your solicitors, who will just be advising you that this is going to be the easiest way to deal with their query. It's a small cost in the grand scheme of things.

The suggestion that this is pocket money for your solicitors is ridiculous. 

So what are they asking me for? What is the purpose? And why does it take until week twelve to ask for it just before exchange? 

You tell us. According to you it should've been a straight forward transaction.

Funny how these threads always start of the same way with OP claiming (with no actual evidence why as to why) it should've been a quick straight forward transaction.

And no, no chain or a small chain does not make things straight forward.

jo03gra

If you can answer, great, if you can’t answer why are you commenting?
If I don’t need planning permission and I have build certificates, and guarantees what am i indemnifying? I have a certificate of insurance. 

If the orangery is within permitted size to not require planning permission what is the indemnity’s purpose?