I feel it would be incredibly beneficial if solicitors would upload cheque directions or a settlement statement to the workspace for a purchase. We've had many examples recently whereby the 'Funds required to settle' in the FSS has not been completed, or if it has, it often doesn't match the figures in the destinations tab, which makes it incredibly difficult to have the workspace in a ready status early.
This would also indicate that the customer has been informed of the shortfall amount required, as often we hold authority however there are insufficient funds held in the nominated account. This leads to last minute stress and a negative customer experience.
Not sure if a separate upload of the settlement statement would help in your situations, it appears that the purchaser's representatives are not uploading the correct funds required to settle which is causing your issues.
If parties upload the correct funds required to settle it should be an easy process for you to determine whether the loan funds + linked account are sufficient or whether there is a shortfall.
That being said, I have noticed banks sometimes forget that we cannot see the lodgement fees for the banks until they prepare the mortgage, hence the "Total funds for settlement" that we can provide does not include these extra lodgement fees (and therefore once the banks add their docs, total funds required will likely need to increase for these fees).
Nick Karolidis Principal Lawyer & Accountant Karolidis & Co