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Land Registry delays - please let us know your experiences

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Comments

  • FergieB
    FergieB Posts: 1 Newbie
    First Post

    Me and my husband may lose our home at no fault of our own. This is due to the Land registry not dealing with the completion of the Depositionary first lease in Sept 2021. We only found out at the end of July 2023 by our mortgage advisor  the solicitor who dealt with our remortgage 2 years had not sorted it blaming delays with land registry 

    We are currently paying £1000 in addition to our current mortgage monthly pay of £1600. 9% interest rate variable (Total £2650 ) and until this is resolved we will continue to pay this at severe hardship.  Our new mortgage which we secured 4 months earlier ( in view of the issues with the mortgage rates) in advance of the fixed rate mortgage expiring in August 2023 the new mortgage offer expires in October 2023 ( secured 4%) and we will not be able to secure a new mortgage offer at that rate. This potential could mean we become homeless at no fault of own. 

     I have already registered a complaint with the land registry at stage 2, will escalate to the independent ombudsman, contacted the legal ombudsman about the solicitor and will contact the fsa about the mortgage advisor who should have advised us sooner. It’s extremely distressing situation and my husband is off sick with a bad back which has contributed to all the stress of this mortgage issue. Any advice would be gravely appreciated x 


  • silvercar
    silvercar Posts: 50,260 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    @Land_Registry, can you help Fergie?
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • Land_Registry
    Land_Registry Posts: 6,238 Organisation Representative
    Part of the Furniture 1,000 Posts Name Dropper
    silvercar said:
    @Land_Registry, can you help Fergie?
    Very unlikely as already raised as complaint so if there was/is anything we can do then we would have done it. The complaint responses would have covered the actual position and any remaining blockers. 
    “Official Company Representative
    I am the official company representative of Land Registry. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
  • rubble2
    rubble2 Posts: 574 Forumite
    Part of the Furniture 100 Posts Name Dropper
    edited 15 September 2023 at 8:39AM
    We purchased the freehold of our current house in January 2022, at the time we were given a completion date of 04/09/23.

    Obviously we are now past that expected date and have had no further updates or news.
    Don't know if it is worth chasing again yet or give it a bit longer - after all they have only had 20 months so far.
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