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Your client, Sally James, is a first-time buyer and is excited to have had an offer of £150,000 accepted for a terraced property at 25 Batley Street, Colham, Lancashire CO4 1SE. The seller is Nigel Holmes. She has applied to Lancaster Building Society for a loan of £110,000.00. Title to the property is unregistered and you have been provided by the seller's conveyancer with a copy of a voluntary Conveyance dated 1 October 1995 made between Charles Holmes and Brenda Holmes (1) and Charles Holmes (2) and of a Conveyance on sale dated 29 September 1988 made between Norman Woodall (1) and Charles Holmes and Brenda Holmes (2). 4 Assume you have exchanged contracts for Sally's purchase of 25 Batley Street and completion is due to take place today. However, despite your advice to her as to the effect of exchanging contracts and that you would require cleared funds on the day before completion, Sally has not transferred the balance funds as per the completion statement which you sent to her two weeks ago. Explain to Sally the consequences of failing to complete on the contractual date.
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