Compulsory Demolition Due to WW2 Bomb

davidmcn

greyfox wrote: »

Something isn't adding up here. OP says that her parents had a mortgage but no buildings insurance. Even now (according to the Council of Mortgage Lenders) adequate buildings insurance would be a condition of getting a mortgage.

Just because it's a mortgage condition (and generally a sensible idea!) doesn't mean that insurance was actually in place. Or (as mentioned above) it's possible that the insured risks didn't cover this scenario.

Davesnave

davidmcn wrote: »

it's possible that the insured risks didn't cover this scenario.

Aren't acts of war often excluded from insurance policies?

Must admit, haven't read mine in a long time.

PasturesNew

You have to remember that back then we lived differently. There was no access to information/help, you just got on with things in the way you decided/discovered. If they didn't have insurance they might have had the fear of God hanging over them that they'd "be in trouble " if the mortgage people found out ... so they just kept their heads down, kept paying it and hoped the mortgage company "wouldn't find out".

All perfectly normal thinking for back then.

You might want to try to find out what other people did. Join some local forums and try to find out who else lived there - if they're alive - what they did/what happened; it might be that there was a payout they've forgotten.

Check the local newspaper archives for stories etc. Research the people, the events, the outcomes if available. Something will be in print out there.... in archives.... and the Council will have paperwork archives. Get those, see what decisions were made by the local Council at the time. Plot that against your research ... and get to grips with what went on.

Waterlily24

I worked for a building society in the 60s and 70s and the building insurance was paid by the society to the insurance company and premium added to the mortgagors account. Most paid it separately otherwise it became arrears.

Rosemary7391

PasturesNew wrote: »

You have to remember that back then we lived differently. There was no access to information/help, you just got on with things in the way you decided/discovered. If they didn't have insurance they might have had the fear of God hanging over them that they'd "be in trouble " if the mortgage people found out ... so they just kept their heads down, kept paying it and hoped the mortgage company "wouldn't find out".

All perfectly normal thinking for back then.

You might want to try to find out what other people did. Join some local forums and try to find out who else lived there - if they're alive - what they did/what happened; it might be that there was a payout they've forgotten.

Check the local newspaper archives for stories etc. Research the people, the events, the outcomes if available. Something will be in print out there.... in archives.... and the Council will have paperwork archives. Get those, see what decisions were made by the local Council at the time. Plot that against your research ... and get to grips with what went on.

There is a Dennistoun local forum and there is a thread about the WW2 impact on it currently

TBagpuss

Also, bearing in mind how long ago it was, it's possible that the parents were paid for their land, but that the value of it was a lot lower than the value of the property. They would still be liable for the mortgage, and if they had not taken out/maintained insurance then there could have been a situation where they no longer owned the land, but still owed money to the mortgage lender.

But I would agree that step one would be to check who is currently shown as the landowner and to check what if any paperwork you parents have from that time.

Gers

Gers wrote: »

Check with https://www.ros.gov.uk/ - the staff there are very helpful. Note that copies of relevant documents cost significantly more than in England. No £3.00 jobbies here.

The land on which tenements stands is joint owned by each of the (normally) eight residents. It's not normal for just one person to own it when buildings are standing.

I've dug out the invoice I paid to ROS earlier this year for deeds for our house in Glasgow. £20.00 plus VAT = £24.00.

Three pdf pages, two hand-written dating from 1911 which shows all the sales / ownerships of the building and eight owners. It's just on the final page that the deeds start to refer to only one owner so I suspect the original builder sold off his interest.

The only specific land mentioned is 'right of access to back green'. Details shows mortgage holder and when the mortgage was completed.

To the OP - give the ROS a ring or email them, they really are helpful. I asked loads of questions about the deeds after I received them as I didn't really understand a lot of it!

Near to my Mum's place (not in Dennistoun) there was an empty plot which, I'm told, was where a bomb was 'dumped' after the sortie over Clydebank. It was empty for years, then became a garage and is now a block of tenements. Somebody must have bought the derelict plot - I do know who it was but don't know anything about the purchase and subsequent resale.

Its all worth investigating!