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House paid off and tenanted - whats the deal with Land Registry

thenap80
thenap80 Posts: 421 Forumite
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in House buying, renting & selling
Hi
I have a house which I paid off a year ago and now have tenants there. I saw on The One Show programme that there have been incidets of fraud where tenants can pretend to be the owner (ie. me!) and get the house registered in their name.

The programme suggested registering it with LR but looking at their website, this seems very complicated and long winded and suggests a solicitor. The One Show suggested it was easy peasy. Am I Missing something - is it supposed to be difficulyt with lots of paperwork involved?
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Comments

  • Davesnave
    Davesnave Posts: 34,741 Forumite
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    Here you go:

    https://propertyalert.landregistry.gov.uk/


    The house is likely already registered, but this service stops anyone registering it in their name without your knowledge. :)
  • glennevis
    glennevis Posts: 642 Forumite
    First Anniversary First Post Name Dropper
    Think you've got the wrong end of the stick. Have a look at:
    https://propertyalert.landregistry.gov.uk/

    Property Alert is an award winning free property monitoring service aimed at anyone who feels a registered property could be at risk from fraud.

    Once you have signed up to the service, you will receive email alerts when certain activity occurs on your monitored properties, allowing you to take action if necessary.
  • da_rule
    da_rule Posts: 3,618 Forumite
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    The Property Alert system only works for registered property though, so if the property is currently unregistered the OP would have to register it first.
  • theartfullodger
    theartfullodger Posts: 14,597 Forumite
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    There can be three addresses registered with LR, all informed if someone tries something.

    NEVER have registration of a rented property at that property address - always your home - and include an email & another address as the other 2
  • karcher
    karcher Posts: 2,069 Forumite
    Combo Breaker First Post
    theartfullodger wrote: »
    There can be three addresses registered with LR, all informed if someone tries something.

    NEVER have registration of a rented property at that property address - always your home - and include an email & another address as the other 2

    I'm not with it this morning and don't understand what you mean. :o
    Can you explain that again please artful.
    'I'm sinking in the quicksand of my thought
    And I ain't got the power anymore'
  • Rosemary7391
    Rosemary7391 Posts: 2,879 Forumite
    First Post First Anniversary Combo Breaker
    karcher wrote: »
    I'm not with it this morning and don't understand what you mean. :o
    Can you explain that again please artful.

    I think I get it...

    If you rent a place out, you don't want mail from the land registry to go there, you want it to come to you. So give them your address, and an email. Not sure what the second address should be?
  • da_rule
    da_rule Posts: 3,618 Forumite
    First Post First Anniversary
    The address for service held by the Land Registry does not have to be the property address.

    It is amazing how many rental properties I see where the proprietorship register has the owner being listed as living at the address. This means that any notices served in relation to the property are served to the owner at the property, which isn't ideal when dealing with a tenant attempting to commit fraud. This tends to happen because the landlord used to live at the property and didn't update the Land Registry or the solicitor that drafted the transfer document got sloppy and it wasn't picked up on.

    As has been said you can enter multiple addresses for the Land Registry to serve notices on, so maybe a trusted friend or a solicitor etc.
  • da_rule
    da_rule Posts: 3,618 Forumite
    First Post First Anniversary
    Obviously a lot of this stuff only matters/helps if the property is actually registered with the Land Registry, which the OP hasn't definitely confirmed.
  • G_M
    G_M Posts: 51,977 Forumite
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    OP aid
    I have a house which I paid off a year ago
    I know taking out a mortgage (and placing a Charge on a property) triggers compulsory 1st registration.

    I assume (but not sure) that paying off a mortage likewise triggers 1st registration.

    In which case the property should be registered.
    Not sure what the second address should be?

    * your 2nd home?
    * the co-owner's address if 2 (or more) joint owners don't cohabit?
    * your POA?
    * your kids if you rely on their help with stuff cos you're elderly?


    you get the idea..........
  • Rosemary7391
    Rosemary7391 Posts: 2,879 Forumite
    First Post First Anniversary Combo Breaker
    G_M wrote: »

    * your 2nd home?
    * the co-owner's address if 2 (or more) joint owners don't cohabit?
    * your POA?
    * your kids if you rely on their help with stuff cos you're elderly?


    you get the idea..........

    Thanks - none of that applies to me but then I don't have one home with a paid up mortgage, nevermind one to rent out too! I assume you don't have to supply a second address, but getting the property address off the list is the important bit.
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