Land Registry questions

Tiglet2

Freebird53 said:

Thankyou for your response.

You say that you don't contact an owner every time there's an application. I'm a little confused, I have little knowledge in the area, please can you detail if there are different types of application, and the types of application for which you would in fact contact the owner at the supplied address?

This is pertinent to my original question. If activity were to occur on the listed property of which I am the registered owner, which could result in me losing ownership of that property, for example, a change of registered owner, I would like to be assured that for such an important activiy, the Land Registry would write to the address of the property listed. Is this not the case?

A signed Transfer (TR1) would need to be signed by you and witnessed and then sent to Land Registry to change the registered proprietor.  But as this would be considered a disposition (i.e. a sale), wouldn't a solicitor be acting?  Are you concerned that someone may fraudulently sign your signature on such a document?  If so, set up the Land Registry alert, so that you do get notified when activity occurs.

Freebird53

CSI_Yorkshire said:

Basically, assume that the Land Registry do not write to property owners.

When you last sold a house (a change of registered owner), did the Land Registry write to you to check that you were actually selling?  Imagine how much extra delay that sort of thing would add to the conveyancing process.

Again, thankyou for your responses.

I wouldn't have thought, that in the circumstance that I were selling my property, that it would add much of a delay to an already long drawn out process, to send a letter of notification, not even requiring a response, automatically generated (as these things are these days) and sent to the registered owner, upon an important matter, like the receipt of an application to change registered owner!

And if I were not selling, obviously I would very much appreciate that notification!

Am I worried? Yes.

Email alerts are all well and good, but if a nefarious entitiy had designs on my property, I would imagine that would require a fairly sophisicated Identity theft operation, part of which could be the re-direction of my email. Therefore as with modern banking, multiple channels of communication to increase security, whilst apparently not available, would certaintly be my preference.

CSI_Yorkshire

Freebird53 said:

CSI_Yorkshire said:

Basically, assume that the Land Registry do not write to property owners.

When you last sold a house (a change of registered owner), did the Land Registry write to you to check that you were actually selling?  Imagine how much extra delay that sort of thing would add to the conveyancing process.

Again, thankyou for your responses.

I wouldn't have thought, that in the circumstance that I were selling my property, that it would add much of a delay to an already long drawn out process, to send a letter of notification, not even requiring a response, automatically generated (as these things are these days) and sent to the registered owner, upon an important matter, like the receipt of an application to change registered owner!

And if I were not selling, obviously I would very much appreciate that notification!

Am I worried? Yes.

Email alerts are all well and good, but if a nefarious entitiy had designs on my property, I would imagine that would require a fairly sophisicated Identity theft operation, part of which could be the re-direction of my email. Therefore as with modern banking, multiple channels of communication to increase security, whilst apparently not available, would certaintly be my preference.

But a letter of notification, i.e. not requiring a response or approval, would add little.  I'm pretty sure that this 'nefarious entity' who has already completed the 'sophisticated identity theft operation' would be capable of redirecting the letter - plus it would be generated after the sale had completed (because that's when you submit the TR1) and wouldn't protect you anyway.

Land_Registry

Freebird53 said:

Thankyou for your response.

You say that you don't contact an owner every time there's an application. I'm a little confused, I have little knowledge in the area, please can you detail if there are different types of application, and the types of application for which you would in fact contact the owner at the supplied address?

This is pertinent to my original question. If activity were to occur on the listed property of which I am the registered owner, which could result in me losing ownership of that property, for example, a change of registered owner, I would like to be assured that for such an important activiy, the Land Registry would write to the address of the property listed. Is this not the case?

It’s less about type but more about method of lodgement but both can trigger us to notify you as appropriate. 

For example if a nefarious private individual submitted an application to update the register then part of our checks would involve contacting the registered owner using the registered contact details 
If a conveyancer submitted the application then they’d carry out own checks before doing so to confirm they are dealing with the right person. In such cases it’s unlikely we’d contact in same way but we could do. Lenders also carry out checks 

Then there are specific types of application where we’d notify you such as someone registering an interest such as a debt or charging order or bankruptcy.
If you are concerned that you might be a victim of property fraud then you have other options to consider 
https://www.gov.uk/protect-land-property-from-fraud
You can also help yourself by protecting your identity and personal information as a property fraud invariably relies on someone convincing others that they are you first. 

teachergirl

You’ve already checked the register so is there a form A restriction? 

Sorry I haven't got much time to look at this today. There are 4 comments under the proprietorship register bits and only one says restriction and that says that there can be no disposition by a sole proprietor.
One does say transfer to the proprietor contains a covenant to observe....in the charges register so doesn't actually say what it is.
I have messaged my husbands cousin to see if he knows. I think if the worst comes to the worst we will get it into my name and then sort the other bit afterwards. Originally my mother-in-law owned all of it and gifted a third to her brother, which then passed to his wife and then his children. At the moment it is all very cordial but I can see if not done properly it could cause problems in the future. I am sure it has been done properly but this was the only thing my husband handled. I have piles and piles of paperwork that I still need to sift through...so...

Land_Registry

teachergirl said:

You’ve already checked the register so is there a form A restriction? 

Sorry I haven't got much time to look at this today. There are 4 comments under the proprietorship register bits and only one says restriction and that says that there can be no disposition by a sole proprietor.
One does say transfer to the proprietor contains a covenant to observe....in the charges register so doesn't actually say what it is.
I have messaged my husbands cousin to see if he knows. I think if the worst comes to the worst we will get it into my name and then sort the other bit afterwards. Originally my mother-in-law owned all of it and gifted a third to her brother, which then passed to his wife and then his children. At the moment it is all very cordial but I can see if not done properly it could cause problems in the future. I am sure it has been done properly but this was the only thing my husband handled. I have piles and piles of paperwork that I still need to sift through...so...

So the sole proprietor restriction is the form A one. So it protects the shares you referred to. 

Clearly important to ensure paperwork and understanding puts you all on the same page. Then get advice as appropriate re what’s best bearing in mind individual wants, needs and any other property/finances as well 

Freebird53

CSI_Yorkshire said:

But a letter of notification, i.e. not requiring a response or approval, would add little.  I'm pretty sure that this 'nefarious entity' who has already completed the 'sophisticated identity theft operation' would be capable of redirecting the letter - plus it would be generated after the sale had completed (because that's when you submit the TR1) and wouldn't protect you anyway.

Add little? I don't understand your point, it would alert me to activity relating to my property. Also, I fail to see how an annonymous hacker, working from a remote location to undermine my email security, is comparable to undermining the security of a Royal Mail delivery. To address your second point, it would be generated upon application, not completion, just as the email alert would be.

To Land Registry, thankyou for the response, and information.

I do try my very best to protect my personal data!

As I suspected, the original 'story' I linked to in the other thread was nothing more than scaremongering, a common phenomenon of late. I am now satisfied. Thankyou again for your assistance.

CSI_Yorkshire

Freebird53 said:

CSI_Yorkshire said:

But a letter of notification, i.e. not requiring a response or approval, would add little.  I'm pretty sure that this 'nefarious entity' who has already completed the 'sophisticated identity theft operation' would be capable of redirecting the letter - plus it would be generated after the sale had completed (because that's when you submit the TR1) and wouldn't protect you anyway.

Add little? I don't understand your point, it would alert me to activity relating to my property. Also, I fail to see how an annonymous hacker, working from a remote location to undermine my email security, is comparable to undermining the security of a Royal Mail delivery. To address your second point, it would be generated upon application, not completion, just as the email alert would be.

To Land Registry, thankyou for the response, and information.

I do try my very best to protect my personal data!

As I suspected, the original 'story' I linked to in the other thread was nothing more than scaremongering, a common phenomenon of late. I am now satisfied. Thankyou again for your assistance.

At which point during a property purchase do you think the application goes in?

I_am_dazed_and_confused

I thought the application is actually to register the transfer of title, so goes in on completion of the sale/purchase transaction.  I think the legislation 'expects' it to be registered within a couple of months of completion.  But I may have that all wrong...

Lafamilia

Land_Registry said:

Lafamilia said:

Lafamilia said:

Lafamilia said:

Good morning Land registry, please could you confirm whether requisitions remain outstanding on SF324674, we are at a grinding halt on SF295610 until it is resolved

Good Morning Land Registry, has there been any movement on either of the above titles please?  THanks in advance.

Hi land registry, I'm living in eternal hope that there may have been some movement on the above, some papers were signed over the last few days, if you could take a look when you get a moment I would appreciate it. Thank you.

If they have then they haven’t made it to us as yet - sorry 

Good Morning LR, please could you take a peek at SF324674, we are being told that all has been provided to Land Registry and as far as they are concerned there is nothing else outstanding, and they are unable to advise when LR will update the records. Can you shed any further light.  We are slightly sceptical given the length of time this has been trundling on thus far.