<h1>Choosing A Title</h1>

Choosing A Title The key deeds were the Conveyances from one seller to a purchaser and so forth so you had a series of deeds showing how the property had modified palms over time. It is basically one thing to debate additional together with your solicitor and finally all events must attain an settlement if the sale is to proceed. Robert - As the property has not been registered with us we won't hold any info. My uncle who's eighty 5 years old lodged his deeds with a excessive road bank in 1992, he now desires them again. The bank have informed him that they are misplaced, they will refund him all the fees paid and can cowl the costs for copies to be provided. We do not hold any data on unregistered land. Hi Ian, the application went in across the 24th September . When it was paid off/redeemed many lenders would send in the Charge Certificate to be destroyed as since 2000 we now not produce such certificates. At no level will they've sent us the original deeds/documents and we would not have requested these. Margaret - the word 'deeds' can mean various things to totally different folks depending on the context. It might assist to add a little bit of background to that beginning with how all properties had been as soon as owned and the owner relied on a sequence of old deeds/paperwork to show that ownership. As to what is wanted to cancel the mortgage and obtain the 'deeds' that something that you'd need to discuss further with the mortgage firm concerned. But generally speaking, that process may not want the consent or signature of both house owners. I presume the solicitors have been holding the deeds for safekeeping and you haven't mortgaged the property during your possession. If this is the case, hopefully they will still be obtainable, but clearly something to discuss with those solicitors as you could have talked about. The problem I actually have is that I've simply been told that my deeds may have been destroyed after been copied onto electronic copies to save on space. Hello Adam I purchased my home in 1989/1990 cash and the oridginal deeds was given to me. So IF you had a mortgage of some age then the lender could have been holding those unique deeds/paperwork. You mentioned the common is round 34 working days. However, the distributors solicitors has checked and been informed it could take sixteen weeks! The solicitors are telling us that they have informed Land Registry that a sale is pending. If it is, the electronic title record that we hold will give the position as to the outstanding mortgage and in addition whether you personal the property together with your husband as joint homeowners. The reason for checking is that I am virtually certain that previously there used to be the quantity of the charge recorded. My late husband and I purchased our house outright as joint tenants in 1984. I now wish to register my possession prior to downsizing. However I wish to keep my house deeds out of historic interest. WEE - we do not retain these and they should be returned. The registration providers you obtained them from concern official copies to be used for official functions and it is one of these people ought to use rather than the originals. Sharon - Some properties are unregistered as there has not been a recent event such as a sale or mortgage which might trigger registration for the first time. In which case we won't maintain any data on the whereabouts of the deeds. If you're happy to provide us the name/number and publish code of the property then we are able to examine if it is registered if this in doubt. I actually have spoken to the bank manager again, whereas beforehand he was fairly useful, he now wants to separate hairs. He is now saying how do the financial institution know that the envelope contained deeds, my uncle is certain that it was the bank that provided the envelope. I was left with the sensation that he doesn't want to give a press release of truth, what would the position be if I am right. We have been despatched some paperwork in a binder entitled HM Land Registry Charge Certificate. The house is an ex-council home and a few entries discuss with the year when the council sold the house to the tenant on the time, in 1964. Michael - I am replying as Adam is currently unavailable.