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Name Missing From Joint Mortgage

Miss_Witch
Miss_Witch Posts: 2 Newbie
in Mortgages & endowments
We have had a joint family mortgage for the past 14 years, after a recent death it seems the bank only have details of one person holding the mortgage. No circumstances have changed up until now, and it seems that after a system upgrade of the banks computers in 2013, our names are missing from the mortgage account. Surely the bank are at fault here, no papers have ever been sent or signed to say we were aware of any change. We have a vast amount of paperwork proving we were on the mortgage from the start and also have land registry papers stating joint ownership. The mortgage has very little to pay on it now, just want to pay it off and carry on living life. Whats the next step?

Comments

  • kingstreet
    kingstreet Posts: 39,413 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Why do you want to be party to the mortgage?

    Surely your concern should be directed at ownership of the property. Does the Land Registry reflect your ownership.

    Ownership and no exposure to the mortgage would be the best of both worlds.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • Miss_Witch
    Miss_Witch Posts: 2 Newbie
    Its my home and am living in it. Yes my name is on the land registry, we took a joint mortgage out to secure the family home for the person who has since sadly died.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Ask the lender for a redemption figure then settle the mortgage. The matter will then be closed.
  • Goldiegirl
    Goldiegirl Posts: 8,818 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Rampant Recycler
    Thrugelmir wrote: »
    Ask the lender for a redemption figure then settle the mortgage. The matter will then be closed.

    Exactly this.

    Then there'll be no need to mess around trying to prove you are on the mortgage.

    As long as the house is held in the correct names at the Land Registry, that's the main thing
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
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