Selling a house when parent has died.

You should be able to take out Indemnity Insurance to cover any problem if the loan was not repaid.

I sold a relative's house that had had access to a short footpath running along the back of the terrace of about 10 houses. It had become overgrown and unusable through lack of use and over the years all ten houses had incorporated it into their garden, and the person at the start of it had built a garage across it. I had to take out an indemnity in case at a later date any of the house owners sued me because the footpath behind my relative's house had been incorporated into the garden and they wanted it reinstated. It cost about £100 and was arranged by the solicitor.

Halifax!!!! I will try to keep this story short.
We were leaving the uk to live aboad. All had been arranged that we were leaving on the day of completion on our property.
The buyers money was in our a/c. Went into Halifax to clear the small mortgage and they had taken £ 50,000 for a lone that we had never had!!!!!
Can you imagine the horror of that day. This was happening about lunchtime of that day and our ferry was booked for 4 0/ clock. All our furniture was on a lorry which had left. They assured us that the money would be back in our a/c after midnight that day. It took 3 MONTHS.

nanannhens13 - what a nightmare for you. It is bad enough to be grieving for your mother without all this. I do hope that it gets sorted quickly.

Agree re the insurance. Similar issue when we moved here. Our purchaser, at a very late date (think they hoped we wold drop price at last minute!) became worried there was not a proper RSJ holding up the wall where the conservatory had been built three years previously. He was worried the house would fall down on his children!

Other than stripping off the plaster to show the metal underneath it was hard to prove! The conservatory had been built by Anglian and I had seen the RSJ being put in! We solved it with an indemnity inurance..not big money and solicitor arranged it and we exchanged and completed as planned. Good luck nanannhens13

Thanks for all the comments. I finally sorted out the problem, no thanks to the solicitor, by e-mailing the chief executive of Halifax and was quickly put in touch with a really helpful man who in less than two days had ascertained that the loan had indeed been repaid many years ago but the deeds had not been updated properly. I would still be waiting if I had left it to the solicitor who is proving to be a nightmare.
I then had a further problem concerning the extent of the garden and the ownership of a gulley to the side of the house. This has had to be sorted through an indemnity insurance.
The sale was finally going through on Friday but the two solicitors involved had left it too late in the day for the money to transfer so will have to wait till next week for final completion!

nanannhens, glad to know everything is going through OK at what is a very difficult time for you.

Governments keep coming up with schemes to speed up house purchase by getting surveys, searches etc done ahead of marketing they do not seem to realise that the main cause of delays in house sales/purchases are caused by solicitors. When the government brought in their now superseded home buyers packs I did a very rough, back of the envelope analysis of every house sale/purchase I, my family or anybody whose house sale/purchase I knew anything about and in all but a few cases all the delays were caused by dilatory and inefficient solicitors.

What have you done with our Frank? Concerned of Kintyre.

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Reported.

Seeing as you did part of the solicitors job for him, I'd be after a reduction in the fees !!

Pleased you got it sorted. Sorry for the loss of your mum.

Thank goodness you managed to sort it out yourself - it must have been very worrying.

The solicitors sound a dead loss.

This thread is a year old. Let's hope nannahens got everything sorted out satisfactorily!