webber:
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1) If the SPA is aborted, the letter of offer is of no effect. By right, the bank ought not charge you anything. Check if anything is stated in the letter of offer. If nothing, check with your mortgage agent.
2) Normally if SPA is aborted then half of professional fees is charged and disbursements incurred only (which is not much - perhaps the relevant searches, letter of confirmation,etc). Some solicitors are gracious enough to just waive whatever fees on the condition that you still appoint them for the next purchase (as you would still need a lawyer then). Some are more "demanding" and would demand to be paid for work done. But don't be fooled into paying them in full.
3) You did not even pay a single cent to the vendor? In that case, there is no consideration (in monetary form) passing from you to him, and thus, it would be difficult to establish a contract to sell. Any booking form/letter of offer to purchase?
Any other factors? Any correspondence by the vendor to your lawyer with regard to the draft SPA? At least something to acknowledge his intention to sell.
If there were correspondence between your lawyer and him, then he can't deny that you have taken steps to prepare the SPA with the intention to create legal relations. As such, that would be a point in your favour.
I can't suggest more as I do not have all the facts before me.
4) If he still refuses to sell you have the option to send him a letter of demand to compel him to do so, or in the alternative (if you just want to give up and move on), claim for damages for costs incurred (legal fees, bank penalty [if any]) .

I didn't pay any cents because he mentioned no need and we can proceed to SPA if we able to secure a loan within 14 days. He has no lawyer to represent him in this sale. He did review the SPA and ask me (via email) to amend some of the terms (about the duration we can wait until his name is on the title). He did give us his previous SPA (to apply loan) and my lawyer did contact his loan solicitor to get SPA(s) and title document. He also agreed (via email) to give us the presentation number after he has submitted his MOT for name transfer from developer to his name.
In this case, if I send him a letter of demand to compel and he still to refuse to sell , what can I do?