Haven't you asked the solicitor?We are about to sign the contract and are after receiving an email from our solicitor that she needs my parents to sign a Deed of Confirmation for her to confirm to the bank that the title to the property is 100% in order.
Just wondering if this is a standard practice? Is the Gift Letter signed by my parents almost 3 years ago not sufficient?
If she says she wants my parents to sign it - they will.
Ask your solicitor tomorrow about the "correct" way for your parents to sign the Deed of Confirmation. Does their signature need to be witnessed? By whom? A notary public in your parents' country?I don't mind the additional expense, it is just that my parents don't live in Ireland and don't speak English.
Thank you @Paul F - all very good questions. Our bank has already confirmed that they do not require this. If she does I would like to know why.Ask your solicitor tomorrow about the "correct" way for your parents to sign the Deed of Confirmation. Does their signature need to be witnessed? By whom? A notary public in your parents' country?
Also ask your solicitor who exactly requires the Deed of Confirmation? Is it AIB's requirement? Or is it only the solicitor's requirement? If it is only her requirement, ask her if she actually needs it.
I know that Ulster Bank required a Deed of Confirmation in such cases but I don't know if AIB do.
And if a notary public has to witness your parents' signatures, does that require you to first get a notarized (official) translation of the deed into your parents' language?Ask your solicitor tomorrow about the "correct" way for your parents to sign the Deed of Confirmation. Does their signature need to be witnessed? By whom? A notary public in your parents' country?
Exactly – see if she will drop the requirement. Show her the email or whatever from AIB that says that they do not need it.Thank you @Paul F - all very good questions. Our bank has already confirmed that they do not require this. If she does I would like to know why.
Can you get on a call with your solicitor today and have a chat with her? Point to AIB's emails of yesterday that say that they don't need a Deed of Confirmation. Push her to drop the requirement, which is clearly not a requirement of AIB's.We met the solicitor yesterday. She doesn't believe what bank says in their email, she requested official confirmation that they don't need the deed. Bank sent more emails yesterday - said that if they didn't ask for it in the letter of offer, than they don't need it.
The problem is that the bank may need to sent her an official answer and this would take several days.
Are you saying that AIB are about to increase their rates again?The solicitor knows that the interest rate goes up from Monday and that her query will most likely delay our drawdown and force us into this higher interest rate.
Which lender was that?In one case I know of, the bank asked for a deed of confirmation at the last minute
I think anyone with prior mortgage approval from AIB can avail of 'old' rates if they draw down before 16th Jan.Are you saying that AIB are about to increase their rates again?
This solicitor has not taken a single phone call from me - I tried. 'Chat' is not an option - she told us at the meeting that she knows what she is doing, will tells us what we need to know and the rest she will take care of herself. We pay for her time and if she has to explain everything to us, we have to pay extra. And based on her years of experience she insists on having an official confirmation from the bank.Can you get on a call with your solicitor today and have a chat with her? Point to AIB's emails of yesterday that say that they don't need a Deed of Confirmation. Push her to drop the requirement, which is clearly not a requirement of AIB's.
Are you saying that AIB are about to increase their rates again?
Such is our case. This is why we were aiming to deliver all the outstanding drawdow documents on Thursday, to allow time for an assessment and a confirmation that we satisfy all the conditions. We have a wonderful person in the bank looking after us.I think anyone with prior mortgage approval from AIB can avail of 'old' rates if they draw down before 16th Jan.
That sound infuriating.This solicitor has not taken a single phone call from me - I tried. 'Chat' is not an option - she told us at the meeting that she knows what she is doing, will tells us what we need to know and the rest she will take care of herself. We pay for her time and if she has to explain everything to us, we have to pay extra. And based on her years of experience she insists on having an official confirmation from the bank.
I was stunned at the meeting. As a professional myself I wouldn't dream of treating my clients, nor anyone else, in such an aggresive, disrespectful, and belittling manner - I was lost for words.
Report her for what exactly?That sound infuriating.
I wonder if others here think there is any point in reporting her to the Law Society (after you have got your mortgage)?
A fair question. The solicitor seems to be insisting on something (the Deed of Confirmation) that is in all likelihood unnecessary, and it seems probable that MandyD will miss out on a lower interest rate as a result.Report her for what exactly?
That is indeed the main difficulty: a power imbalance. It's never easy to know what to do in such situations.I don't intend to report the solicitor. But I would like to learn to deal better with people and situations like this. Especially when the other side is in a position of power.
I think anyone with prior mortgage approval from AIB can avail of 'old' rates if they draw down before 16th Jan.
It might be worth talking to this person early on Monday (or sooner if that were possible somehow) to explain the situation, and to ask them if they would be able to get you a short extension. Unlikely but worth a try.Such is our case. This is why we were aiming to deliver all the outstanding drawdow documents on Thursday, to allow time for an assessment and a confirmation that we satisfy all the conditions. We have a wonderful person in the bank looking after us.
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