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charge on property with land registry
Comments
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No kidding.
A local authority that charges people with means for their care.
And a solicitor that charges its clients for its services.
What is the world coming to.
I don't have an issue with solicitors charging for their services. I do have an issue with people who are seriously ill being charged for their care.3 stone down, 3 more to go0 -
Richard_Webster wrote: »This thread has actually been unnecessarily lengthened because OP didn't explain the full situation in the first place.
I explained as much of the situation as I thought was necessary in the first place, then added to it to clarify the situation.3 stone down, 3 more to go0 -
I found out today I have a charge on my property after paying the debt my ex had on a previous property he owned. I am furious that Nationwide whom he owed the debt to slapped a land registry charge on the property we purchased together without me being informed. Subsequently when we split not long after getting the mortgage, Nationwide waited till my property increased in value to obtain the debt. I had to remortgage the property thankfully not with Nationwide to pay his debt off...that was 6yrs ago. Now today I found out there is a charge still remaining on this property. I will take them to court if I can as it is outrageous that this is the first I heard of this.
Never heard of a land registry charge until today and I found this out just by pure chance surfing the internet about my property.
Surely I should have been informed?0 -
littlegreenfingers wrote: »Never heard of a land registry charge until today and I found this out just by pure chance surfing the internet about my property.
Surely I should have been informed?
I think they are supposed to inform you, yes. How did you find out?
I think that if you have a mortgage that also shows as a charge on the property which is fair enough.3 stone down, 3 more to go0 -
littlegreenfingers wrote: »I found out today I have a charge on my property after paying the debt my ex had on a previous property he owned. I am furious that Nationwide whom he owed the debt to slapped a land registry charge on the property we purchased together without me being informed. Subsequently when we split not long after getting the mortgage, Nationwide waited till my property increased in value to obtain the debt. I had to remortgage the property thankfully not with Nationwide to pay his debt off...that was 6yrs ago. Now today I found out there is a charge still remaining on this property. I will take them to court if I can as it is outrageous that this is the first I heard of this.
Never heard of a land registry charge until today and I found this out just by pure chance surfing the internet about my property.
Surely I should have been informed?
Sounds a little complex, i think it may help if you list the time-line on the charges register, is he still on the proprietor register? Joint ownership or tenants in common? did he still own the other property when you purchased together?
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noelphobic wrote: »I think they are supposed to inform you, yes.
Who you do consider is supposed to inform, LR or the interested party?
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littlegreenfingers wrote: ».............. I found this out just by pure chance surfing the internet about my property.
May I ask how.
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noelphobic wrote: »The Land Registry.
It is important to remember that all the Land Registry does is maintain a record of legal interests in property in one place, and generally they do it very well. It was a nightmare before.
If you believe there is an erroneous entry on the charges register you contact the applicant. In this instance contact Nationwide and ask why they have not applied for this entry to be removed.
I am not suggesting that Nationwide are doing this, but sometimes, people "forget" to apply to remove entries on file as a warning to others. They will leave a £1 debt or loan outstanding or indeed it may be that there is still a loan in place that is not being drawn on.
Suppose that £10 too much was paid into the loan and the balance is in credit , the charge could still be there, because the account is still open.
In the similar way as Credit reference agencies, one does not expect Experian,for example, to write to you every time there is an entry change on your credit file?
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In the similar way as Credit reference agencies, one does not expect Experian,for example, to write to you every time there is an entry change on your credit file?
....
It's hardly the same thing, is it! I am pretty sure that it is standard procedure for the Land Registry to notify you when a charge is placed on your property, unless it is just in the case of a standard mortgage where people already know that another party has a financial interest in the property.
I very much doubt that a charge would or couldbe placed on a property for a small debt, although I don't have indepth knowledge of the rules.3 stone down, 3 more to go0
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