I'm in the process of completing my re-mortgage application, when I spotted 
that the mortgage deed stated that I should seek independant advice before 
signing it.  It seems that the mortgage legal fees which I've paid are to 
cover RBS' legal fees not mine - they didn't tell me that when I was 
applying for the re-mortgage!!!

Has anyone out there re-mortgaged to the One Account?
If so, did you seek legal advice before signing the mortgage deed or not?

If there are any lawyers, conveyancers or legal executives out there who 
have had dealings with clients re-mortgaging with the One Account, is the 
deed straight forward or does it indeed need legal scrutinity? Are there any 
dodgy clauses?

Kind regards in advance
Brum1969

"brum1969"  wrote in message 
news:k_lXi.395094$6L.142768@fe03.news.easynews.com...
> I'm in the process of completing my re-mortgage application, when I 
> spotted that the mortgage deed stated that I should seek independant 
> advice before signing it.  It seems that the mortgage legal fees which 
> I've paid are to cover RBS' legal fees not mine - they didn't tell me that 
> when I was applying for the re-mortgage!!!
>
> Has anyone out there re-mortgaged to the One Account?
> If so, did you seek legal advice before signing the mortgage deed or not?
>
> If there are any lawyers, conveyancers or legal executives out there who 
> have had dealings with clients re-mortgaging with the One Account, is the 
> deed straight forward or does it indeed need legal scrutinity? Are there 
> any dodgy clauses?
>

Are they suggesting that you seek independent 'legal' advice before signing, 
or are they suggesting you seek independent 'financial' advice. I would have 
thought the latter.

ISTM  that RBS are making it clear that applicants are responsible for their 
decision to sign.
They are 'recommending' that applicants seek independent advice so that RBS 
will be protected against applicants coming back years later and moaning 
about having made the wrong decision and trying to make out it's RBS's 
fault.

On 4 Nov, 16:20, "OG"  wrote:
> "brum1969"  wrote in message
>
> news:k_lXi.395094$6L.142768@fe03.news.easynews.com...
>
> > I'm in the process of completing my re-mortgage application, when I
> > spotted that the mortgage deed stated that I should seek independant
> > advice before signing it.  It seems that the mortgage legal fees which
> > I've paid are to cover RBS' legal fees not mine - they didn't tell me that
> > when I was applying for the re-mortgage!!!
>
> > Has anyone out there re-mortgaged to the One Account?
> > If so, did you seek legal advice before signing the mortgage deed or not?
>
> > If there are any lawyers, conveyancers or legal executives out there who
> > have had dealings with clients re-mortgaging with the One Account, is the
> > deed straight forward or does it indeed need legal scrutinity? Are there
> > any dodgy clauses?
>
> Are they suggesting that you seek independent 'legal' advice before signing,
> or are they suggesting you seek independent 'financial' advice. I would have
> thought the latter.

Unlikely. They are probably handling the legal side of the remortgage
themselves.  Unlike on a house purchase there is no one advising OP,
so they recommend that he takes his own legal advice.

> ISTM  that RBS are making it clear that applicants are responsible for their
> decision to sign.
> They are 'recommending' that applicants seek independent advice so that RBS
> will be protected against applicants coming back years later and moaning
> about having made the wrong decision and trying to make out it's RBS's
> fault.