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Title deeds to the wrong flat? What to do?

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  • davidmcn
    davidmcn Posts: 23,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    esskay wrote: »
    Also, I am the only one who knows about this at the moment, and I'm comfy where I am. I am concerned, you will understand, about what the consequences will be when I do bring this up with my solicitor and/or lender.
    I would be more concerned about what happens if e.g. your neighbour defaults on their mortgage and you're the one who gets evicted!
  • davidmcn
    davidmcn Posts: 23,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Tom99 wrote: »
    [FONT=Verdana, sans-serif]Not sure if its the same in Scotland but in England the solicitor does not inspect the property so would not know if its on the east or west side, nor can they tell whether the lease plan matches.[/FONT]
    I would always try to figure it out from the estate agent's details - not always possible but given there are usually floorplans and a multitude of photos these days it shouldn't be too hard to figure out if you've got the right flat.
  • Owain_Moneysaver
    Owain_Moneysaver Posts: 11,392 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    It won't be the first time this has happened, not by a long chalk.

    At least you're on the right floor :-)
    A kind word lasts a minute, a skelped erse is sair for a day.
  • esskay
    esskay Posts: 7 Forumite
    Thanks! Some comfort thinking that this has happened to others. I don't plan to sell for at least 5 years, so it shouldn't get in the way of that... unless I get kicked out first...
  • gingercordial
    gingercordial Posts: 1,681 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    davidmcn wrote: »
    I would be more concerned about what happens if e.g. your neighbour defaults on their mortgage and you're the one who gets evicted!

    Ah, but what a trump card if your neighbour turns out to be a neighbour from hell - default on your own mortgage and get them evicted :D
  • HampshireH
    HampshireH Posts: 4,933 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Have you spoken to your neighbour?
  • xylophone
    xylophone Posts: 45,604 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Does the neighbour have the deeds to your flat?
  • Arklight
    Arklight Posts: 3,182 Forumite
    Ninth Anniversary 1,000 Posts
    How can this have happened? HOW??
  • davidmcn
    davidmcn Posts: 23,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 14 April 2018 at 9:30PM
    Arklight wrote: »
    How can this have happened? HOW??
    As I alluded to above, probably by both flats being in the same ownership at some point and the solicitors dealing with the sales getting them mixed up, and nobody since then noticing.
  • Owain_Moneysaver
    Owain_Moneysaver Posts: 11,392 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    And flat numbering in Scotland being something of a dark art, particularly in Edinburgh.

    It really is quite possible for the Land Register, the council tax, the Royal Mail, the electricity and the telephone all to refer to the same flat differently.
    A kind word lasts a minute, a skelped erse is sair for a day.
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