Two named registered charge on land register

Kerol01

Hello all! Wondering if anyone can enlighten me. My husband and I are in the process of remortgaging the house we bought in 2013. The solicitor of the lender sorting out this remortgage has contacted us to say that They noted a charge on the title for the bank from which we took our mortgage from and from another bank which we know nothing about. How could that have been possible? Shouldn't the solicitors have sorted those out when we bought the property? We did not take out any loan from the first lender with the registered charge and we would refuse to have to pay any interest or loans taken out on our house that isn't on our name specially if the registered charge was dated 7 years before we bought the property. We have been trying to contact the solicitor Who took care of the conveyancing back in 2013 but she is on maternity leave. What can we do to clear the registered chatge? We feel so lost as this is also our first ever home. Help please anyone!!!

silvercar

When this charge was first registered will give you a clue as to where this charge came from. Normally the mortgage lender insists on being first charge, so I am surprised that it was registered as second charge.

If you don't get much joy from the solicitor firm that acted for you, put in a complaint. Being on maternity leave does not mean the firm can delay sorting out a problem for months.