Land Registry Title mentions charges . What does this mean and how can I find more details?

Land_Registry

ChasingtheWelshdream said:

Thank you so much, I really appreciate you taking the time to reply and it goes a long way to help my understanding. We have managed to find out more about the dispute but have no paperwork as to what happened to resolve it (if anything). We are just told "it was all sorted and they were paid off"

Are you able to clarify a couple of things please?

• The inheritance dispute appears to surround how much capital the grandparents originally put into the property.  (eg a percentage of the property valuation or a fixed amount). This would not be recorded on any documents at the Land Registry, just the total purchase price I presume?

• The charge we will speak to the bank about, I'm getting somewhere with that. They should have records (hopefully) of the entire mortgage 'life'.

• The restriction will cause issues when she sells as it appears she did not inherit her husbands beneficial ownership. The husbands will states all possessions and property were to pass to his wife. Is that sufficient evidence to have the restriction removed? My husband was executor and does not remember doing anything with Land Registry, but somebody must have informed them. It may be he neglected to do something.

• If the restriction is unable to be removed, a co-trustee will need to be certain that any other beneficial interest is accounted for before distributing the funds. For which we would need to delve deeper into the past and the chain of inheritance/wills? These would be separate documents somewhere beyond the remit of Land Registry?

•  Does the Land Registry keep a chronology of when someone's name is removed through death, and if so, how would we see that. So when FIL died 2008 and MIL became sole proprietor, is this shown anywhere as a change that we can see? And could therefore go back further to trace when the grandparents were removed. I ask this as we are doubting now whether the grandparents were ever actually registered owners (a whole other saga feeding the dispute, whether they actually had assets to bequeath).
  

I hope that makes sense, and I again I really appreciate everyone looking at this for me. We are resigned to having to sort this one way or another. If we can't be sure MIL is entitled to 100% of the capital proceeds, it may also impact on her assessment for future care funding. Families eh?!

Correct - who puts in what and who takes what isn’t something we would be privy to.
Charge - noted 
Form A - see our PG 6 section 7 re what’s needed to cancel it.
Co-trustee option - if she didn’t inherit everything then yes. As probate was applied for I’d assume she didn’t inherit everything. The legal ownership of the property wasn’t part of his estate 
History of title - yes. You can contact us to explain what you want to check. We reply advising what details are on record and how to apply for any copies you then decide you want. 

https://customerhelp.landregistry.gov.uk/guide-page-external/?stepid=2b31bc48-eb96-eb11-b1ac-002248413956

ChasingtheWelshdream

Oh my goodness, that is so, so helpful. Thank you so much. That goes a long way to helping us.

I added one more question if you are able?

• Is there anything Land Registry hold that would confirm the definitive reason for the restriction. To determine if it related to being TIC with her husband or for another reason (eg another named person having beneficial interest)

Land_Registry

ChasingtheWelshdream said:

Oh my goodness, that is so, so helpful. Thank you so much. That goes a long way to helping us.

I added one more question if you are able?

• Is there anything Land Registry hold that would confirm the definitive reason for the restriction. To determine if it related to being TIC with her husband or for another reason (eg another named person having beneficial interest)

We should have a record of when it was applied for/registered and you can add that to your contact enquiry as appropriate to ask. We can then advise/confirm as mentioned in previous reply 

ChasingtheWelshdream

Thank you again. I have submitted an enquiry outlying the documents and information we would like to obtain if available, and will hopefully be able to apply for whatever is held.

Once again, I truly appreciate everyone taking the time to respond. What started as a simple ‘let’s gather documents’ has led us down a rather different route. But without all your input I wouldn’t have even realised there is an issue needing our attention. Much better than discovering later in and causing problems on the house sale.

I am grateful for your simple explanations, which is enabling us to unravel some previously unspoken family history. Because I am not emotionally involved as such, it’s actually quite fascinating when looking from a detached viewpoint. It’s not an ideal situation but fills in a lot of gaps about why some people still don’t speak decades later.

Land_Registry

Don’t expect a super quick reply as we’ll need to get the paper files for 1973 out of deep storage no doubt. It’s likely to be a few weeks I suspect but just hold tight for the reply 
The acknowledgment will have quoted a shorter timescale but that’s a generic response for most enquiries that can be answered without the need to look back in time 

ChasingtheWelshdream

Oh I assume these things take a long time. I won’t be hassling anyone. :-)

We’re in no hurry as we are just at the beginning of looking at MIL’s future needs and are months (hopefully) of having to sell the house. So it’s good this has cropped up now as we have time.

ChasingtheWelshdream

I just thought I'd pop back and thank @Land_Registry for your advice.

I have since received a very detailed response to my enquiry, giving details of which documents are held and which I can apply for. I have sent off our application and fee, and will await their delivery!

I would not have known where to start without your help, so thank you again.

Land_Registry

ChasingtheWelshdream said:

I just thought I'd pop back and thank @Land_Registry for your advice.

I have since received a very detailed response to my enquiry, giving details of which documents are held and which I can apply for. I have sent off our application and fee, and will await their delivery!

I would not have known where to start without your help, so thank you again.

Excellent news and thanks for sharing - we are far from perfect all of the time but glad we could help here