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The indemnity insurance's don't really cost that much. If it were me i'd skip the chancel check reports (how many properties come up that 'might' be subject to chancel repair liabilities?</p> <p>Save on the vague checks and just go straight to the indemnity insurance. </p> http://www.chancel.org.uk/forum/topic/chancel#post-41 Mon, 13 Dec 2010 22:07:51 +0000 admin 41@http://www.chancel.org.uk/forum/ <p>Hi Hector.</p> <p>I'm a little confused. Are you saying a Church are trying to buy your mothers house and are now trying to say she needs to pay them for chancel repairs?</p> <p>Any solicitor should / would raise the query of possible chancel liability. So its seems like its just the standard queries. Its not really anything to worry about, you can take out indemnity insurance that would cover the new owners against any chancel claim.</p> <p>The debatable question is of course, who should pay for the chancel indemnity policy? The vendor (seller) or the buyer? </p> http://www.chancel.org.uk/forum/topic/chancel#post-40 Sun, 12 Dec 2010 19:51:55 +0000 hector 40@http://www.chancel.org.uk/forum/ <p>hi this is for my 71yr old mother firstly.she is trying to sell her house and some church have more or less made a offer,then after some 3/4 weeks come up with this law.my mother had never heard of it.now no doubt people are going to say look at the deeds,but her having payed a solicoter to sort all the selling side of things,should he of known or looked into this?my poor mother thinking the deal was struck and moved now hears this.is this common ??or have the church just picked on a defenceless woman? </p> http://www.chancel.org.uk/forum/topic/leasholder-chancel-liability#post-38 Sun, 28 Nov 2010 07:50:28 +0000 sharpjwe 38@http://www.chancel.org.uk/forum/ <p>unbeleiveble<br /> I shall not be resbonsilbe for a chruch that i do not support </p> http://www.chancel.org.uk/forum/topic/chancel-insurance#post-37 Fri, 26 Nov 2010 21:07:24 +0000 admin 37@http://www.chancel.org.uk/forum/ <p>Your solicitor will normally carry out a search, typically they use Chancel Check.</p> <p>Chancel Check will then probably say something like there is a chance of your property having a liability, and you have a choice to take out the indemnity insurance or just not. </p> http://www.chancel.org.uk/forum/topic/chancel-insurance#post-36 Mon, 08 Nov 2010 10:20:26 +0000 loretta 36@http://www.chancel.org.uk/forum/ <p>how do i find out if i need chancel insurance </p> http://www.chancel.org.uk/forum/topic/leasholder-chancel-liability#post-35 Thu, 26 Aug 2010 06:47:11 +0000 admin 35@http://www.chancel.org.uk/forum/ <p>It would depend on the wording of your lease, its likely that any costs are chargable to the leaseholders. </p> http://www.chancel.org.uk/forum/topic/leasholder-chancel-liability#post-34 Sun, 08 Aug 2010 12:55:36 +0000 elbw 34@http://www.chancel.org.uk/forum/ <p>Hi, I am selling an ex-local flat in Lambeth of which I am the leaseholder. I have received a note from the buyers solicitor saying the8r search has revealed the flat is in a chancel liability parish. I am being asked to either provide my indemnity policy or pay for the buyer to have one.<br /> But surely it would be Lambeth COuncil (ie the landowner and the freeholder) who is responsible for this, not me?<br /> does anybody have any idea?</p> <p>Thank you</p> <p>Emma </p> http://www.chancel.org.uk/forum/topic/chancel-check-report#post-33 Sat, 08 May 2010 12:20:31 +0000 brucejohn 33@http://www.chancel.org.uk/forum/ <p>I am amazed that you can give this advise. Why should anyone be expected to pay for anyone else's<br /> insurance? Surely the new owner should insure themselves against any repair costs! I am also in this<br /> situation and will certainly not be paying up - £53! Rock the boat, indeed!!?? My buyer really wants<br /> this house, and if she pulls out because I won't pay for her insurance - £53!!?? - I'll be flabbergasted,<br /> but quite happy to put it back on the market.</p> <p>Can you explain why the seller is being asked to pay for this? Why not the buyer? What happens if the<br /> seller does not pay - is that against the law? I doubt it. And I think you ought to be advising the seller<br /> to act within the law. Why are solicitors even sending such a request to the seller? It brings the<br /> Conveyancing procedure into disrepute; it's vexatious. </p> http://www.chancel.org.uk/forum/topic/individuals-liability-for-repair-and-maintenance#post-32 Fri, 30 Apr 2010 16:39:04 +0000 mollylotty 32@http://www.chancel.org.uk/forum/ <p>Hello there!<br /> Happy Bank Holiday to you.<br /> I am looking to purchase my first home and have hit a stumbling block.</p> <p>I will try to be brief :-)</p> <p>The situation:<br /> There is a new development of 2,700 properties<br /> The houses will sit aside a large country park (also to be built by the developers)<br /> The developer will gift the country park to the local council.<br /> The residents will pay £120 a year for "maintenance and repair" of the country park<br /> Anyone can use the country park even though the residents are paying for it (and their council tax) hellishly annoying but not the issue!<br /> The contract states residents are liable for the cost of "maintenance and repai"<br /> I am concerned about any liability beyond the £120 a year<br /> For example if there was a repair bill of £2,000,000 and there was a shortfall<br /> each property would have to pay xyz amount- an equal portion of the shortfall.</p> <p>The relationship to Chancel:<br /> I am quite willing to pay a private insurance - like the chancel coverage insurance to cover me for my own liability - as long as it is a reasonably small sum.<br /> However it would be difficult for an insurer to quantify the risk.<br /> - this isn't something suggested by the builder, just something i thought of. I was talking to an acquaintance last night and he told me about the Wallbanks' case.<br /> From reading the Wallbanks website I am wondering if infact I would be covered by the Human Rights Act<br /> "The HRA would normally protect private individuals from unreasonable, arbitrary, and unfair demands by statutory bodies."<br /> However, it wouldnt be an unfair and unreasonable demand if I had willingly signed up to it in the first place.</p> <p>People I speak to, all seem to say, don't touch it with a barge pole. but I love the property and location!</p> <p>if anyone has any ideas or advice I would be very grateful</p> <p>Lastly, I must just give my utmost sympathies to the Wallbanks, I have only been dealing with this six weeks and am tearing my hair out :-) wow the stress they have been put through. </p> <p>Best Wishes, Charlotte </p> http://www.chancel.org.uk/forum/topic/chalbury-pcc-rejects-chancel-repairs-claim#post-31 Fri, 09 Apr 2010 17:19:27 +0000 marksteer 31@http://www.chancel.org.uk/forum/ <p>I come a little late for this subject but I was asked recently asked to look into the matter by our local (Devon) PCC. The overwhelming reaction is one of disgust that the Church should even contemplate pursuing these archaic claims.<br /> I know the legal case. Where is the morality ? Can anyone enlighten me please. </p>