Update to register of charges: how long?

csgohan4

desthemoaner said:

csgohan4 said:

user1977 said:

csgohan4 said:

desthemoaner said:

p00hsticks said:

desthemoaner said:

 Just briefly returning to this old thread with one further question. During the course of my "investigations" I discovered that my middle name is incorrectly noted on the Proprietorship Register. I contacted LR and they sent me form AP1 to complete in order to implement the correction. Is requesting this fairly minor change essential in order to prevent difficulties when the title is transferred? If not, then I'm inclined to let sleeping dogs lie till after completion in order to avoid any delays. 

Just on the earlier topic of this thread, I decided to take the bull by the horns and order a copy from the register to check whether the mortgage charge was still in place. Before doing this I contacted my solicitor by phone ( left a voicemail) and email and asked them whether they had taken any steps to find out whether the charge was still in place. In the absence of any response, I requested the copy from the register  and was charged 35 quid for the service. The very next day my conveyancer informed me that they'd ordered new office copies and could confirm that the charge had been removed. 

Down to experience, I suppose. 

There is a thread on this board monitored by an official Land Registry representative where it would be best to post your query about the incorrect name (I'm not sure they're around at weekends though).

https://forums.moneysavingexpert.com/discussion/5685941/land-registry-questions

As for paying £35 for a copy of the title, I'm afraid it sounds like you've been suckered in to click on one of those ads that come to the top of an internet search list, where they offer to do things for you that you can easily do yourself in return for an extortionate price - if you'd used the official gov.uk site it would have only cost you £3.

https://www.gov.uk/search-property-information-land-registry

Sadly I think you're right about the scam. I made the original request through the LR themselves, but somehow ended up speaking to an organisation calling themselves "NINO Direct", and a quick search ( which yes, I should have done before paying) reveals them to be scammers. I'm gutted because I'm normally pretty savvy about such matters, but with luck my experience will serve as a warning to someone else. 

I'll post my question on the thread that you indicate,and many thanks. 

My concern now is they have your personal details, I would consider cancelling the card you paid them with and watch your credit files closely for the next 24 months

That seems overly alarmist. Their advertising might be designed to mislead, but I've never heard of those types of outfit doing anything fraudulent with their customer information. 

If they've invested money to scam you, you can bet they won't be doing things morally either

 I tend to agree. Any organisation which is set up to deliberately hoodwink consumers into paying more money for government services than they need to is already acting in an unethical fashion, and that may include failure to  protect customers' private information. Even if its not company policy to steal and misuse debit card details, there may be individuals working for them who take a different view. 

Sure you won't have use of your credit card for 1-2 weeks, but least you have peace of mind. Alot of people have back up credit card anyways

I set up alerts on my credit Reference agencies to alert me of any changes, usually it's just the usual comparison website searches, but you can never be too careful

I had to cancel my credit card 1 month ago due to an unrecognized amazon subscription, so no matter how careful, latest Anti virus , firewalls, OS updates, 2 factor authentication e.t.c, fraud can still take place. 

You won't really notice the payment as it was under £10 but give a few years and it would have hurt. I always check my online banking at least once a week for all cards I hold, not that difficult given phone apps now a days. 

desthemoaner

csgohan4 said:

desthemoaner said:

csgohan4 said:

user1977 said:

csgohan4 said:

desthemoaner said:

p00hsticks said:

desthemoaner said:

 Just briefly returning to this old thread with one further question. During the course of my "investigations" I discovered that my middle name is incorrectly noted on the Proprietorship Register. I contacted LR and they sent me form AP1 to complete in order to implement the correction. Is requesting this fairly minor change essential in order to prevent difficulties when the title is transferred? If not, then I'm inclined to let sleeping dogs lie till after completion in order to avoid any delays. 

Just on the earlier topic of this thread, I decided to take the bull by the horns and order a copy from the register to check whether the mortgage charge was still in place. Before doing this I contacted my solicitor by phone ( left a voicemail) and email and asked them whether they had taken any steps to find out whether the charge was still in place. In the absence of any response, I requested the copy from the register  and was charged 35 quid for the service. The very next day my conveyancer informed me that they'd ordered new office copies and could confirm that the charge had been removed. 

Down to experience, I suppose. 

There is a thread on this board monitored by an official Land Registry representative where it would be best to post your query about the incorrect name (I'm not sure they're around at weekends though).

https://forums.moneysavingexpert.com/discussion/5685941/land-registry-questions

As for paying £35 for a copy of the title, I'm afraid it sounds like you've been suckered in to click on one of those ads that come to the top of an internet search list, where they offer to do things for you that you can easily do yourself in return for an extortionate price - if you'd used the official gov.uk site it would have only cost you £3.

https://www.gov.uk/search-property-information-land-registry

Sadly I think you're right about the scam. I made the original request through the LR themselves, but somehow ended up speaking to an organisation calling themselves "NINO Direct", and a quick search ( which yes, I should have done before paying) reveals them to be scammers. I'm gutted because I'm normally pretty savvy about such matters, but with luck my experience will serve as a warning to someone else. 

I'll post my question on the thread that you indicate,and many thanks. 

My concern now is they have your personal details, I would consider cancelling the card you paid them with and watch your credit files closely for the next 24 months

That seems overly alarmist. Their advertising might be designed to mislead, but I've never heard of those types of outfit doing anything fraudulent with their customer information. 

If they've invested money to scam you, you can bet they won't be doing things morally either

 I tend to agree. Any organisation which is set up to deliberately hoodwink consumers into paying more money for government services than they need to is already acting in an unethical fashion, and that may include failure to  protect customers' private information. Even if its not company policy to steal and misuse debit card details, there may be individuals working for them who take a different view. 

Sure you won't have use of your credit card for 1-2 weeks, but least you have peace of mind. Alot of people have back up credit card anyways

I set up alerts on my credit Reference agencies to alert me of any changes, usually it's just the usual comparison website searches, but you can never be too careful

I had to cancel my credit card 1 month ago due to an unrecognized amazon subscription, so no matter how careful, latest Anti virus , firewalls, OS updates, 2 factor authentication e.t.c, fraud can still take place. 

You won't really notice the payment as it was under £10 but give a few years and it would have hurt. I always check my online banking at least once a week for all cards I hold, not that difficult given phone apps now a days. 

 I have another account with a debit card, and I can transfer money to that one online whilst waiting for my card to be replaced. So minimum hassle, though still annoying. I was irritated about another matter to do with our house sale on the day when I paid the scammers, so clearly distracted and not thinking as clearly as I usually do. 

I check my online banking every day so probably no need for any further vigilance on that score. I've got Experian MSE and I probably don't check it as often as I used to, but I'll do so more often for the foreseeable future. 

Thanks again.