I Have My Deeds but there more to this story

Hi Please read all of this
We are lucky enough to pay off our mortgage soon and i have been sorting out what paperwork we got when we moved.
I have discovered in a envelope the full deeds to this house that must have been sent to us at the time by the solicitors IS THIS RIGHT ? or do the solicitors or bank hold them until its been paid off . I have never seen the deeds for our previous houses before.
Dont stop reading it gets better.

If i am correct in thinking that we shouldnt have these and just wait my time when i pay them a big fat cheque what will they do or how will they tell me about my deeds.
Would they offer me compensation for my losses or even tell me i couldnt buy my own house without my deeds.

Wait for this one !!!
When i tell them i have the deeds
They could say its a one off mistake and just a one in a million stupid computer/human blah blah

But also in the envelope are a full set of deeds to another house about 30 miles away that must have been sold at about the same time.
Ive only been here 4 years but im thinking if the other house has been resold or had problems.
This is a huge error on someones behalf and if i wasnt honnest harry i could get finacial gain from the other persons deeds somehow.

A. Im not going to do anything wrong with any deeds that ive had for 4 years
and only found last night
B. I will take pleasure in watching someone squirm in their seat.
C. I will be paying mortgage off within the next month.
D. Should i tell the owner of the other house after ive had my moment of fun.
E. I am going personally to the Abbey to PLAY my mortgage off

Let me know the best way on this please
:cool: hard as nails on the internet . wimp in the real world :cool:
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Replies

  • seven-day-weekendseven-day-weekend Forumite
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    They no longer require your deeds; all they need is the Land Registry Certificate.

    This is why they have sent you your historical deeds, there is no mistake.

    As regards the other house, I don't know.

    But they haven't made a mistake sending you yours - we had ours sent to us (a huge wodge of papers dating back to the 1850s) before we had paid our mortgage off.

    Just the way they do things now.
    (AKA HRH_MUngo)
    Member #10 of £2 savers club
    Imagine someone holding forth on biology whose only knowledge of the subject is the Book of British Birds, and you have a rough idea of what it feels like to read Richard Dawkins on theology: Terry Eagleton
  • greenfacegreenface Forumite
    4.9K Posts
    Mortgage-free Glee!
    thanks for burstin my bubble mate i was on my way to bed thinkin of all the things i was going to wind them up and about to turn off the puter and sneeked one last read.
    Never mind i will send the deeds onto the other house then with a letter saying it was sent here by mistake

    thanks 7DW- :beer:
    :cool: hard as nails on the internet . wimp in the real world :cool:
  • The house we bought was part of a deceased person's estate. I not only got the deeds but also a photocopy of the (deceased) previous owner's death certificate:eek: which I told my solicitors was in my opinion (and possibly in law) a gross violation of her personal data and her family's privacy - her husband lives in a nursing home in the town still - definitely too much information....

    but v interesting seeing how land and house values have jumped over the years since the land was originally registered. (House was built in the mid 1970s but had first been registered in the times of copperplate writing!!
    If you have a talent, use it in every which way possible. Don't hoard it. Don't dole it out like a miser. Spend it lavishly like a millionaire intent on going broke.

    -- Brendan Francis

  • Little_Miss_WinnerLittle_Miss_Winner Forumite
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    We bought our house in 1997, mortgaged with the Nationwide, we have never had our deeds, i just presumed we would get them on completing the mortgage re-payments....Now i'm slightly worried, should we already have them?

    Any help appreciated.
    x
  • InMyDreamsInMyDreams Forumite
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    greenface wrote: »
    thanks for burstin my bubble mate i was on my way to bed thinkin of all the things i was going to wind them up and about to turn off the puter and sneeked one last read.

    Is it just me who finds it slightly disturbing that you were actually hoping that they had messed up so that you could "take pleasure in watching someone squirm in their seat" and now you're disappointed because you can't have your fun?

    This seems seriously twisted.
  • SoozyJ22SoozyJ22 Forumite
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    I bought my house with Nationwide in 2002, then a couple of years ago a large envelope arrived full of deeds and search results and the like which they said they didn't need any more as everything was computerised.
  • InMyDreams wrote: »
    Is it just me who finds it slightly disturbing that you were actually hoping that they had messed up so that you could "take pleasure in watching someone squirm in their seat" and now you're disappointed because you can't have your fun?

    This seems seriously twisted.

    It does seem that the OP is a tad unkind. Perhaps the OP would feel more at home in one of the 'Investment' threads, their very cut-throat there and many seem to revel in the problems of others.

    Not like the lovely people in MFW and DFW!!! :)
    Mortgage Free in 3 Years (Apr 2007 / Currently / Δ Difference)
    [strike]● Interest Only Pt: £36,924.12 / £ - - - - 1.00 / Δ £36,923.12[/strike] - Paid off! Yay!! :)
    ● Home Extension: £48,468.07 / £44,435.42 / Δ £4032.65
    ● Repayment Part: £64,331.11 / £59,877.15 / Δ £4453.96
    Total Mortgage Debt: £149,723.30 / £104,313.57 / Δ £45,409.73
  • If your house is registered with the Land Registry then your paper deeds are worthless as the LR will have scanned anything relevant, in fact unless certified copies are sent in when the property is first registered the original deeds are destroyed after scanning.
    If the house is not registered yet then the deeds are extremely important as they prove title to the property.
    If you go to the LR website and search for your house you can find out if your property is registered
  • greenface wrote: »

    If i am correct in thinking that we shouldnt have these

    You're not, I recently remortgaged and after it went through got the deeds through from my new lender, saying they were no longer required as it is all on computer now.
  • jamie304jamie304 Forumite
    109 Posts
    Is it possible to get historical deeds form the land registry? When I sold I gave away a huge bunch of interesting documents dating back to 1870. However when I bought a house of similar age, I just got a photocopied title plan! Would be nice to know more about the history of the place.
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