Legal

Legal

Regulation

WYM Legal Limited is registered in England and Wales under company number 09638243. Our registered address, and also the address from which we carry on business is The Junction, Station Road, Watford, Hertfordshire, WD17 1ET. Our VAT number is GB219605801.

We are Specialist Property Lawyers regulated by the Council for Licensed Conveyancers (“CLC”) under Licence Number 2681. The CLC derives its powers as our governing body from the Administration of Justice Act 1985 and can be contacted at Council for Licenced Conveyancers, We Work, 131 Finsbury Pavement, London, EC2A 1NT, Tel: 0203 859 0904 , Web: https://www.clc-uk.org You can verify the legitimacy of our website by clicking on the CLC’s verification badge below.

As a CLC regulated practice, we are a practice to which the CLC Compensation Fund is applicable. You can apply to the CLC to make a claim if you suffer a loss that was caused by dishonesty, fraud, negligence or failure to account for money received by the practice, if the practice is legally responsible and unable to meet its liability in full. Further information is available at https://www.clc-uk.org/consumers/compensation/

We are not authorised by the Financial Conduct Authority. However, we are included in the register maintained by the Financial Conduct Authority so that we can carry on Insurance Mediation Activities, which is broadly advising on, selling and administration of insurance contracts. This part of our business, including arrangements for complaints or redress if something goes wrong, is regulated by the Council for Licensed Conveyancers. The register can be accessed via the Financial Conduct Authority website at http://www.fsa.gov.uk/register/home.do

Our Head of Legal Practice, responsible for legal and regulatory matters, is Robert McKellar who is a Chartered Legal Executive. Our Head of Finance and Administration, responsible for accounting practice, client money and corporate governance, is Russell Darvill.

All conveyancing work that we undertake will be supervised by a qualified lawyer who will be a Licensed Conveyancer, Solicitor, Chartered Legal Executive or CILEx Conveyancing Practitioner.

Further information regarding types of lawyers and their regulators is available at https://www.legalchoices.org.uk/

Professional Indemnity Insurance

Our Professional Indemnity Insurance includes £2 million in cover for a single claim with Chubb European Group plc (70%) and Axis Specialty Europe SE (30%), plus £1 million additional layer cover with Antares Syndicate (30%), Aspen Syndicate (10%), Markel International Insurance Company Limited (25%), Talbot Syndicate (17.5%) and Probitas Syndicate (17.5%). All cover is effected through Miller Insurance Services LLP.

If you make a valid claim against us for a loss arising out of work for which we are legally responsible and we are unable to meet our liability in full you may be entitled to claim from the Compensation Fund administered by the Council for Licensed Conveyancers. Further information is available at https://www.clc-uk.org/consumers/compensation/

Data Protection

In the course of providing you with Conveyancing services or any quotation, it will be necessary for us to process your personal data. We will share relevant elements of your personal data with third parties involved in your transaction in order to effectively undertake the conveyancing on your behalf. We will also share your personal data with partner organisations where it is necessary for the smooth and effective performance of our services and the operation of our technology. We have data protection agreements in place with all such partner organisations. We may also from time to time be required by law to share your personal data with law enforcement agencies and regulatory bodies.

Full details of how we will process your personal data and the parties with whom it will be shared are available here.

More information on data protection is available at the Information Commissioner’s Office website at https://ico.org.uk/

The Information Commissioner’s Office also has a helpline for members of the public which can be reached by dialing 0303 123 1113.

Complaints

We always strive to provide the highest standard of service, however if something goes wrong we have a formal Complaints Procedure in place so that we can put things right.

Most concerns can be resolved by raising them with your Conveyancer or the Conveyancing Operations Manager. If you do need to raise a more formal complaint, details on how to do this can be found within our Complaints Procedure. You can view this by clicking here.

Details upon how to make a service, regulatory or data protection complaint are contained within the Complaints Procedure.

Service related complaints are supervised by the Legal Ombudsman who will only consider a complaint once our internal Complaints Procedure has been exhausted. Regulatory complaints can be raised with us internally (see Complaints Procedure). These are supervised by the Council for Licensed Conveyancers who can consider a regulatory complaint irrespective of whether this has first been raised internally. The Council for Licensed Conveyancers will not consider complaints which are solely service related.

Complaints relating to Data Protection can be raised with us internally (see Complaints Procedure). These are supervised by the Information Commissioner’s Office who can consider a Data Protection Complaint irrespective of whether this has first been raised internally. The Information Commissioner’s Office will not consider complaints which are solely service related.

Terms and Conditions

If you decide to instruct us we will provide you with an emailed copy of our Terms and Conditions of Engagement which will need to be signed and returned in order for us to commence with your Conveyancing work. A copy of these terms can also be viewed here.

There are two items within our Terms and Conditions that we should specifically draw your attention to:

  1. We are Conveyancers and not tax advisers. We cannot therefore provide you with any tax advice, including advice regarding Stamp Duty Land Tax (“SDLT”). Whilst we will submit an SDLT Return on your behalf in purchase and remortgage transactions, we will do so based solely upon your instructions and it will be your responsibility to instruct us as to which rate of SDLT you are paying and any reliefs that are applicable. If you are unsure you should seek guidance from Her Majesty’s Revenue and Customs or take independent tax advice.
  2. If you are purchasing a property or being added to the property Title through a transfer of equity, WYM Legal Limited will not be responsible for verifying the identity of the seller. In the event of property fraud or title fraud by the seller WYM Legal Limited shall not be liable to you for any losses whatsoever. In purchasing a property or entering into a transfer of equity you do so at entirely your own risk as to the identity of the seller.

Referral Arrangements

Where you have been referred to us through a price comparison website, we will pay a small charge to the site operator for this. For every set of customer details forwarded to us, irrespective of whether the customer chooses to instruct us, we are charged a fee ranging from £0 to £10 plus VAT. These fees are met by us in full and the cost will not be passed onto you.

We also have arrangements in place with a number of partner organisations (“introducers”) whereby we are recommended to customers in exchange for a fee. Introducers are usually Panel Managers, Estate Agents or Mortgage Brokers and the referral fees paid range from £0 to £400 plus VAT. Any such referral fees will be fully incorporated within your quote and will not be charged to you as extra. We pay these fees to the introducer upon completion of your matter and only if the matter completes.

Where you have been referred to us by an introducer, we will give full details of the introducer and the referral fee paid in our Terms and Conditions of Engagement.

Our Instant Quote Generator, Mobile App and Web App are powered by When You Move Limited to whom we pay a ‘per case’ Tech Fee of £100 plus VAT. This is fully incorporated within your quote and will not be charged to you as extra.

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