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  • FIRST POST
    • glider3560
    • By glider3560 17th Jul 17, 3:11 PM
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    glider3560
    Mortgage deed - can bank employee witness?
    • #1
    • 17th Jul 17, 3:11 PM
    Mortgage deed - can bank employee witness? 17th Jul 17 at 3:11 PM
    My solicitor tells me they have sent the mortgage deed by post today. I need my signature witnessed by someone independent.

    Issue is, I've just moved to a new area, where the only people I know are related to me. Left my old job last week and don't start my new one for a few weeks.

    Short of asking some random person on the street for a signature(!), can I go into the bank branch (with whom the mortgage will be provided by) and ask them to witness the document?

Page 1
    • Purplepenguin88
    • By Purplepenguin88 17th Jul 17, 3:14 PM
    • 84 Posts
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    Purplepenguin88
    • #2
    • 17th Jul 17, 3:14 PM
    • #2
    • 17th Jul 17, 3:14 PM
    Can't you ask one of your relatives' next door neighbours? As far as I know anyone can witness the signature, as it's only proving they saw you sign it...
    • G_M
    • By G_M 17th Jul 17, 3:14 PM
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    G_M
    • #3
    • 17th Jul 17, 3:14 PM
    • #3
    • 17th Jul 17, 3:14 PM
    Yes. Or any other bank where you have an account would likely agree to do this.
    • martinsurrey
    • By martinsurrey 17th Jul 17, 3:15 PM
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    martinsurrey
    • #4
    • 17th Jul 17, 3:15 PM
    • #4
    • 17th Jul 17, 3:15 PM
    My solicitor tells me they have sent the mortgage deed by post today. I need my signature witnessed by someone independent.

    Issue is, I've just moved to a new area, where the only people I know are related to me. Left my old job last week and don't start my new one for a few weeks.

    Short of asking some random person on the street for a signature(!), can I go into the bank branch (with whom the mortgage will be provided by) and ask them to witness the document?
    Originally posted by glider3560
    I did.

    That was HSBC some banks may not let their staff do it.
    • glider3560
    • By glider3560 20th Jul 17, 4:27 PM
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    glider3560
    • #5
    • 20th Jul 17, 4:27 PM
    • #5
    • 20th Jul 17, 4:27 PM
    Just been to a branch of the lender (Halifax). The person on the counter said tellers are not able to witness or certify documents. She fetched the mortgage advisor who refused to do it as Halifax are a party to the transaction. I asked if they'd sign if it were another lender and they said no (even though I have several accounts with Halifax).

    Trying all the neighbours now. The first two I tried refused on the basis "there are a lot of scams around these days". Sigh.

    • G_M
    • By G_M 20th Jul 17, 10:29 PM
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    G_M
    • #6
    • 20th Jul 17, 10:29 PM
    • #6
    • 20th Jul 17, 10:29 PM
    where are you? I'll do it.
    • davidmcn
    • By davidmcn 20th Jul 17, 11:25 PM
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    davidmcn
    • #7
    • 20th Jul 17, 11:25 PM
    • #7
    • 20th Jul 17, 11:25 PM
    Are your local relatives actually connected to the transaction in some way (e.g. going to be living with you or providing money)? If not then they ought to be fine, you don't need to declare to anyone that it's actually e.g. your cousin who witnessed.

    Or if you're not working for a few weeks, why not take a daytrip to wherever you do know some potential witnesses!
    • browneyone
    • By browneyone 20th Jul 17, 11:29 PM
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    browneyone
    • #8
    • 20th Jul 17, 11:29 PM
    • #8
    • 20th Jul 17, 11:29 PM
    I a colleague at work to do mine.
    • xylophone
    • By xylophone 21st Jul 17, 2:46 AM
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    xylophone
    • #9
    • 21st Jul 17, 2:46 AM
    • #9
    • 21st Jul 17, 2:46 AM
    You could ask one of your former colleagues or a neighbour of one of your relations?
    • elonii
    • By elonii 21st Jul 17, 7:59 AM
    • 41 Posts
    • 37 Thanks
    elonii
    I did mine yesterday, bombed down to the corner shop and got the lady behind the counter to do it. Deed was in post by return!
    • AnotherJoe
    • By AnotherJoe 21st Jul 17, 8:48 AM
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    AnotherJoe
    Can you not travel back to your previous area and get ex colleague or neighbour or frimd to witness it ?
    • glider3560
    • By glider3560 21st Jul 17, 8:54 AM
    • 3,286 Posts
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    glider3560
    Unfortunately it is about a 3hr drive each way back to where I was living previously. The cost of the fuel would be more than paying a local solicitor to do it.

    I asked HR at my new company if they are willing to do this before I start the job there, and they said yes, just pop in whenever. So hopefully this is sorted now.

    • TBagpuss
    • By TBagpuss 21st Jul 17, 11:46 AM
    • 5,951 Posts
    • 7,700 Thanks
    TBagpuss
    Go to a local court. Court counter staff are authorised to administer oaths and witness statements (where needed) . while this is not a court document they may well be happy to witness it and (should) know that it isn't a scam and does n't impose any liability on them.
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