Historic Property Charge

Lamp1980

Hi

I am trying to remortgage and I have been told there is a historic charge on property from 2009. My partner who I owned the property with then died in 2009 and the debt was settled. I do not have any evidence and I do not recall who was the finance company. The solicitors who filed the charge are no longer in business, please help

silvercar

Start with the registered charge, see who the company is and try and find where that company now is eg if it has merged or been taken over. Then hopefully they will agree that they no longer have an interest in the property and will agree to the charge being released.

NeverTooLate

The name of the company who registered the charge should be on the documents, as said above you need to contact them and ask them to remove charge.

I had to do this when registering an unregistered property, my deceased mother had registered a charge with the Halifax on the property, probably a secured loan. We had no paperwork at all and no proof loan had been paid off. I contacted Halifax with her death certificate, there was some back and forth whilst they said they could not find any record of the charge, then they agreed to remove it.