8 weeks after remortgage settled-we owe £1500!!!

silvercar

Let us know how you get on.

Remember in all your negotiations, if the amount was 10 times larger you would not be in a position to think about offering full repayment.

Did you download the deeds to see if they have been updated?

Kippaxian1

Hi Silvercar - I looked at doing this last night and to be honest there seemed to be a few sites offering to supply electronically for a fee of circa £20. Happy to pay this but the site is not the .gov site (for which it appears that I can only get a postal copy?)

Are the other sites likely to be able to produce? (most of the time within hour apparently - mmmmm!!!!)

If any helpful soul can provide a link that I could use, I would be grateful!

dotdash79

http://www.landregistry.gov.uk/public/online-services is the land registry

Site to get your deeds the other site are using google adword to get a higher ranking and then charge you extra to do the same thing that you can do online.

Kippaxian1

Thanks for the link!
Have now purchased and downloaded deeds!

Extract shows Lenders as

Lender(s) : Bank of Scotland PLC

Bank of Ireland (UK) PLC



C. Charges Register:

2 (19.05.2006) REGISTERED CHARGE dated 27 March 2006. (This is when we took the Secured loan out whilst we was with Northen Rock)

NOTE: See the entry below altering the priority of this charge.

3 (08.11.2007) Proprietor: BANK OF SCOTLAND PLC (Scot. Co. Regn. No.SC327000) of Halifax Division, 1 Lovell Park Road, Leeds LS1 1NS.
(assume this relates to when we moved from Northern Rock to Halifax/RBOS??)

4 (02.10.2013) REGISTERED CHARGE dated 9 September 2013
(This is when we completed the re-mortgage)

5 (02.10.2013) Proprietor: BANK OF IRELAND (UK) PLC (Co. Regn. No.

7022885) of P.O. Box 27, One Temple Quay, Bristol BS99 7AX.



Not really where this takes me to be honest!!

dotdash79

NOTE: See the entry below altering the priority of this charge.

Any other notes?

magpiecottage

I agree that the secured loan from Halifax is almost certainly covered by the one mortgage.

That said, if the solicitors asked for a redemption figure and Halifax ought to have quoted the full amount.

I would therefore complain to Halifax. In the meantime, the OP should continue to make repayments to both parties.

Halifax is unlikely to want the matter to go to FOS as it would then face a fee of £550 plus its own costs of sorting it out.

With £1,500 outstanding and only two years left, the most sensible outcome would seem to be to simply discharge its mortgage now and allow the loan to continue unsecured until it is repaid.

However, financial institutions and common sense seldom seem to match up!