I contacted my Realtor and she said the title company didn't check for permits because I purchased the house with cash and there was no bank loan. Should the title company have checked for this permit? Are they now responsible for the extra money I have had to pay?
A: You have made a very common error. Because you paid cash, you didn't see any reason to dot the I's and cross the T's. I have to believe that you were not represented by counsel, a clear mistake. Whether you had a survey done remains to be seen. You are the victim of your own ignorance or parsimony. The title company was hired to clear the title to you. It was your responsibility to have a survey, a search done of the property and purchase title insurance. It sounds like none of those things were done properly.
I don't think anyone else can be held responsible. You might have an ax to grind with the seller, but whether you can find them is another matter. It has to be noted that the banks require certain investigations because they know it could put their loan in jeopardy. The fact that you paid cash only shifts that responsibility to you, and since you didn't do those things, I think you are going to learn an expensive lesson. Readers take note.
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