Land registry post code vs. Royal mail advice please

[Deleted User]

I’m remortgaging my home and it was identified that the post code on my home is different to the land registry. 

I contacted land registry and they stated that their is no error on there part as it was registered correctly in October 2013.  

It is the last two letters which are incorrect.

Royal Mail - 2QA
land registry title deed -2PT

im worried as it will hold up my remortgage.

which one would be correct land registry? If so do I contact Royal Mail asking them to update the records?

thanks!

FreeBear

Seeing as Royal Mail sets the postcode for each property in the country, I would suspect the error is with the Land Registry. Check your address here - https://www.royalmail.com/find-a-postcode

If you think it is wrong, raise a query with RM - https://www.royalmail.com/personal/receiving-mail/update-your-address

It could be that when your house was first registered (new build ?), the developers used a post code to cover the whole estate. Then when Royal Mail looked at it, they decided to break it in to smaller chunks and allocate a post code for each group of houses.

GaleSF63

FreeBear said:

Seeing as Royal Mail sets the postcode for each property in the country, I would suspect the error is with the Land Registry. Check your address here - https://www.royalmail.com/find-a-postcode

If you think it is wrong, raise a query with RM - https://www.royalmail.com/personal/receiving-mail/update-your-address

It could be that when your house was first registered (new build ?), the developers used a post code to cover the whole estate. Then when Royal Mail looked at it, they decided to break it in to smaller chunks and allocate a post code for each group of houses.

I wish they had done that here. We have 4 1s, 4 2s etc. and it causes problems as many people and companies in particular are under the impression that you don't get duplicated numbers under the same postcode. Then they tell us we've already got something or already done it. 

Who tells the Land Registry what the postcode is? Unless it's RM I can't see how they can be confident it's correct, and if it was RM and it's changed, then RM need to tell Land Registry. 

FreeBear

GaleSF63 said: Who tells the Land Registry what the postcode is? Unless it's RM I can't see how they can be confident it's correct, and if it was RM and it's changed, then RM need to tell Land Registry. 

Royal Mail is now a private business. They won't want to give out the information for free and would want companies to purchase access to their Postal Address Finder database. So no, RM won't tell the LR anything unless they are paying for the PAF access.

GaleSF63

FreeBear said:

show previous quotes

GaleSF63 said: Who tells the Land Registry what the postcode is? Unless it's RM I can't see how they can be confident it's correct, and if it was RM and it's changed, then RM need to tell Land Registry. 

Royal Mail is now a private business. They won't want to give out the information for free and would want companies to purchase access to their Postal Address Finder database. So no, RM won't tell the LR anything unless they are paying for the PAF access.

Maybe I worded that incorrectly - I just meant that RM are the horse's mouth!

daveyjp

Royal Mail do change postcodes as areas develop and the number of properties in each area increases.  My parents property had a new postcode a few years ago, this included the area code.  Their old area code no longer exists.

The RM are the authority, not LR.

doodling

Hi,

Nshek30 said:

I’m remortgaging my home and it was identified that the post code on my home is different to the land registry. 

I contacted land registry and they stated that their is no error on there part as it was registered correctly in October 2013.  

It is the last two letters which are incorrect.

Royal Mail - 2QA
land registry title deed -2PT

im worried as it will hold up my remortgage.

which one would be correct land registry? If so do I contact Royal Mail asking them to update the records?

thanks!

Both are correct, but the one on the Land Registry entry has no meaning, I would be more worried that someone at a lender is so uninformed as to care about the post code on the land registry documents.

Post codes can change from time to time and do so at the whim of the Royal Mail.  Post codes are not unique to a property and are nothing to do with owning one.  I'm surprised that the Land Registry even puts post codes on title documents as it is just inviting people to believe that they matter.

What matters is what is shown on the title plan.  That is what identifies what you own and where it is.