Land registry restrictions - No one has any details of this due to age

Land_Registry

Razormatt said:

Received a letter from Barclays today to say they are still looking into it but need more time, so still no further forward 

I’d take it as a positive until a full reply says otherwise as the line of communication is open. 

Cheese1990

Land_Registry said:

Remember you ask Barclays to release the charging order; the court to dismiss the order; or us to cancel/remove the restriction - all linked but very separate approaches 
If Barclays won’t release it then you have to present evidence to the court to enable them to dismiss their order - I’m merely pointing out that ‘no information’ is unlikely to be enough but that’s where legal advice would help you re charging orders, settlement and timescales 

So the original poster wouldn't have to provide any evidence othe than all parties have no record of the charge. It would then be for Barclays to prove that the charging order was still valid and needed to remain in place, given the information presented though I doubt Barclays will be able to do this meaning the court should dismiss the charging order

Razormatt

Just a quick update we finally got a call from Barclays yesterday to say they have now put someone in place to look at the complaint we put in 

she did say she has done some initial investigation and she can’t find anything outstanding or even any accounts except my partners current Barclay card which is in good standing so she is trying to get hold of the team that removes property restrictions but she is having trouble engaging with them 

so still not really any further on they only have a week left to deal with the complaint then it can be raised with the ombudsman if we want to which I don’t really want to do but if it’s the only way we can get Barclays to deal with this one way or another I don’t see any other choice 

Razormatt

Just a little update 

We had an email today form the complaints handler as she can’t call as she is working from home

she said they have found an amount outstanding to the value of £10,661 but can’t tell us what or when it’s for, no account numbers or anything just an amount and to call the recoveries team to pay it off so they can remove the restriction 

I called the number on the email as we want more information as to what it is relation to before I hand over £10k and they said they can’t help us without an account number 

so back to square one 

called the complaints team spent a hour on hold to be told they can’t help use as it’s been escalated to a team that doesn’t take phone calls but they are going to try and get someone to call us back 

emailed back to Barclays from the email we received to receive a bounce back saying this address doesn’t receive emails and to call complaints 

I really can’t believe it’s this hard to sort out surly if there is an outstanding amount they should have information as to why and what for ? Or do they think people are just going to pay something on there say so ? 

Thrugelmir

Razormatt said:

I really can’t believe it’s this hard to sort out surly if there is an outstanding amount they should have information as to why and what for ? Or do they think people are just going to pay something on there say so ? 

Look at the matter from the banks perspective. The restriction was properly imposed. Time has passed and those involved at the time simply say I have no recollection of events. In an attempt to walk away from the monies owed. Cuts both ways. 

MWT

Razormatt said:

I really can’t believe it’s this hard to sort out surly if there is an outstanding amount they should have information as to why and what for ? Or do they think people are just going to pay something on there say so ? 

Have you approached the solicitors that must have been involved when the Ex originally signed over the property, as the charge should have been commented on at the time?

Razormatt

It’s not that we want to walk away from it if it’s owed we will pay it the issue is if it’s a live account why can’t they give us information about it except the amount 

we haven’t approached the solicitor but I’m guessing that will be the next logical move to see why this never came up when it should have 

once again it’s not that we are shying away from it and if it’s owed it will be paid but I’m not going to hand over £10k without some more information 

Mickey666

Thrugelmir said:

Razormatt said:

I really can’t believe it’s this hard to sort out surly if there is an outstanding amount they should have information as to why and what for ? Or do they think people are just going to pay something on there say so ? 

Look at the matter from the banks perspective. The restriction was properly imposed. Time has passed and those involved at the time simply say I have no recollection of events. In an attempt to walk away from the monies owed. Cuts both ways. 

Surely that's precisely why there SHOULD be a detailed record of such things?

Of course time passes and of course all parties forget about the details - THAT'S exactly what records are for!

Imagine being presented with a CC bill for £xyz but no other details.  Do you think it would be acceptable for the CC company to say they have no records of the transactions but all they know is that £xyz needs to be paid?  Of course not.

This must be hugely frustrating

Mickey666

Razormatt said:

Just a little update 

Thank you for these updates.  So often threads are left hanging so these updates are invaluable . . . even though there is not yet a firm conclusion.

Razormatt

Mickey666 said:

Razormatt said:

Just a little update 

Thank you for these updates.  So often threads are left hanging so these updates are invaluable . . . even though there is not yet a firm conclusion.

Your very welcome and if it means someone else can benefit from my experience then I’m happy to update it through to the end 

I will say I have never said I can’t afford or I’m not prepared to pay an outstanding amount but of course I want details of what it is before it’s paid as you say what would you do if you got a bill through saying you owe xyz but they can’t tell you what it’s for 

fingers crossed we will get some more information soon or I will take it up with the ombudsman maybe they can push Barclays to get the info