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Heliodor Mortgages _Topaz Finance Ltd - not discharged a previously settled debt
Naffed_off
Posts: 6 Forumite
in Loans
Really seeking some advice, la catalogue of errors back in early 2022 by our solicitor (buying) and the sellers solicitor. Sellers Solicitor took an undertaking that a registered charge in favour of Topaz Finance Ltd Jan 2005 and an equitable charge in favour of Northern Rock May 2009. Having purchased the house and not informed of any legacy charges, we were given a closed file and assumed good title to the property.
On selling the property again, we have established that the 2009 charge is still present on the land registry with Heliodor. We have contacted Heliodor and been told they will discharge (as they solicitor did make payments back in 2022 to settle) and give them 5 working days, this time has since passed and we are no further forward, they cannot and won't give me a timescale and our house sale has the chance of falling through - stress levels have been huge. I've raised formal complaints with both solicitors and now with Topaz Finance Ltd, (who own Heliodor mortgages). I've been told 8 weeks to investigate a complaint and nothing we can do to expedite or escalate further.
What we are struggling with is we are at no fault or our own unable to sell a house we own (was never mortgaged) due to a financial institution who omitted to remove a charge which was settled 3 years ago.
Any advice would be welcome as we are literally at the end of our tether! and we have financial commitments pending the sale (which we expected to happen a few weeks ago when this problem first raised it's head)
Thanks
On selling the property again, we have established that the 2009 charge is still present on the land registry with Heliodor. We have contacted Heliodor and been told they will discharge (as they solicitor did make payments back in 2022 to settle) and give them 5 working days, this time has since passed and we are no further forward, they cannot and won't give me a timescale and our house sale has the chance of falling through - stress levels have been huge. I've raised formal complaints with both solicitors and now with Topaz Finance Ltd, (who own Heliodor mortgages). I've been told 8 weeks to investigate a complaint and nothing we can do to expedite or escalate further.
What we are struggling with is we are at no fault or our own unable to sell a house we own (was never mortgaged) due to a financial institution who omitted to remove a charge which was settled 3 years ago.
Any advice would be welcome as we are literally at the end of our tether! and we have financial commitments pending the sale (which we expected to happen a few weeks ago when this problem first raised it's head)
Thanks
0
Comments
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Has the application been made to the Land Registry to have the charge removed ?0
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No not yet, as of 24th March 2025! - solicitor has checked and there are no pending applicationsHoenir said:Has the application been made to the Land Registry to have the charge removed ?0 -
Why not ask the Land Registy rep yourself about this, they post regulaly on a thread on one of my boards, debt free wannabe.
The thread is here:
Charging Order? The myth - Page 510 — MoneySavingExpert Forum
If you tag @Land_Registry they will be aware of your post.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
sourcrates said:Why not ask the Land Registy rep yourself about this, they post regulaly on a thread on one of my boards, debt free wannabe.
The thread is here:
Charging Order? The myth - Page 510 — MoneySavingExpert Forum
If you tag @Land_Registry they will be aware of your post.
Thanks have posted in the linked page as suggested0
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