We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

PLEASE READ BEFORE POSTING: Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Registering the freehold

I have been trying to remortgage for nearly 2 years, but due to a freehold issue on my property, I lost the offers as they expired. 
I have recently purchased the freehold and moved forward with a new offer with my current mortgage provider.
It was all going through quickly, then a couple of weeks ago I received a letter to say my offer had been withdrawn, the reason I was given was because there was a problem with the lease. 
I got in touch with my solicitor who was dealing with this, and has been really slow with the whole process, I explained that I had been asked to provide a letter to say this was going through. My solicitor would not do this but sent over the completed TR1 form. Although this was proof of the purchase, the mortgage company wanted proof it had been submitted to the land registry, all they wanted was an application number.
I have emailed and phoned my solicitor, he has ignored my calls, and his responses to the emails have been vague. I have contacted the land registry twice, the last being yesterday, and they have advised me that this has not been submitted.
again I have bet. In touch with solicitor and he has not got back to me. 
I am at risk of losing my 3rd mortgage offer because of the delays. 

Is there anyone who could give me some advice on the best way to move forward. I was thinking of going to the Ombudsman.

Comments

  • Jonboy_1984
    Jonboy_1984 Posts: 1,233 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Register for property alerts for the address -  https://propertyalert.landregistry.gov.uk/propertyalert/ - and see if you get a pending charge or change alert by return email - this should include the application number.

    You can then also request it is expedited (normally via a solicitor) if there is good cause to do so.
  • SusieT
    SusieT Posts: 1,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 2 November 2022 at 1:10PM
    Ombudsman will take too long, and you need to get a final reply to the complaints first. 
    I would call and ask the receptionist to tell you who to send a complaint to, then send by email and in writing, with the header clearly saying COMPLAINT. 
    Also send an email with read receipt to the person dealing with it, saying that you require asap it to be submitted and for you to be sent the application number for the registration of the title. If it is not received you are in danger of losing the mortgage due to their inaction and will expect them to pay the difference in the interest. 
    Keep it very short and as close to a 1 liner as possible so there is no wriggle room for them.
    Credit card debt - NIL
    Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
    Mortgage 64,513/100,000 End Nov 2035
    2022 all rolling into new mortgage + extra to finish house. 125,000 End 2036
  • Thanks for the advice, I sent a similar email yesterday, it’s so frustrating 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.9K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.