I assume the problem is that the solicitor can't certify title to the bank.
Really there isn't enough information here to give any advice and only the OP's solicitor can advice.
Quite a few different factors come into this, how long the estate has been finished, the MUD act, whether the council accept that the estate is complete and have released the bond, whether the common areas are actually transferred ( and I don't think the residents can prevent this), whether there has been an EGM to hand over the management company to the residents, whether the service charges are being paid etc etc. Different councils also have different policy documents on when/if residents in a finished estate can seek to have the council take it in charge. These are often available on the individual council websites. A huge amount of work/research needs to go into looking at the title to any such estate and anonymous posters are not going to be able to help, even with the best will in the world.