Transfer of equity and remortgage

Jtdoyouloveme

I may waffle so I apologise!

I remortgaged my house in 2022 and removed my dad from the deeds as transfer of equity. He was originally on my mortgage for affordability but my last remortgage I took the mortgage on 100% myself. No money changed hands 

in June 25 I received a letter from my mortgage lender to say the solicitor did not register the remortgage or the charge with the land registry so the deeds are still in mine and my dads name 

The solicitors I used have had their licence taken away by the CLC and an intervention solicitor appointed to complete all tasks.
Intervention solicitor has advised that the land registry have cancelled my requisition
as they contacted the solicitor re stamp duty information and received no reply. They have no access to my paperwork so cannot help me.

My house is currently being sold and I am trying to sort a conveyancing solicitor but they seem to not have a solution to how I deal with the above. 

I have contacted the CLC but they don’t answer calls so have emailed.

I don’t know how to progress this. Can anyone help? 

Thank you 

Yorkie1

@Land_Registry is this anything you might be able to offer any comments about, in relation to getting the LR matter cleared up at least, please?

SDLT_Geek

Jtdoyouloveme said:

I may waffle so I apologise!

I remortgaged my house in 2022 and removed my dad from the deeds as transfer of equity. He was originally on my mortgage for affordability but my last remortgage I took the mortgage on 100% myself. No money changed hands 

in June 25 I received a letter from my mortgage lender to say the solicitor did not register the remortgage or the charge with the land registry so the deeds are still in mine and my dads name 

The solicitors I used have had their licence taken away by the CLC and an intervention solicitor appointed to complete all tasks.
Intervention solicitor has advised that the land registry have cancelled my requisition
as they contacted the solicitor re stamp duty information and received no reply. They have no access to my paperwork so cannot help me.

My house is currently being sold and I am trying to sort a conveyancing solicitor but they seem to not have a solution to how I deal with the above. 

I have contacted the CLC but they don’t answer calls so have emailed.

I don’t know how to progress this. Can anyone help? 

Thank you 

Is your dad still around and co-operative?  Thinking out of the box here, perhaps it could be accepted although the beneficial interest passed to you, the legal interest did not, so that the two of you together could transfer title to the buyer.

That might not get over an issue if the old mortgage is still on the title.  Also the new mortgage lender might not accept it.  I can see conveyancers being concerned about looking at doing it this way.

Jtdoyouloveme

Yes that’s what I was hoping but I don’t know if it’s possible. The remortgage hasn’t had the charge registered, however I am currently porting my mortgage over so this might still be ok 

Land_Registry

I would recommend waiting for the response from CLC. If the original firm was intervened in then a new firm would normally be appointed and should hopefully have the original file and paperwork 
The new lender may also have some record but depends on how things worked between them and the conveyancer 
If the original paperwork (transfer and new mortgage/charge) can’t be found then as posted you and Dad plus lender will need to start again 
You’ll both need to have your identities verified by any new conveyancer as well