• Charge On Property Remaining

    By Guest on 25th Jul 2020

    We had a main mortgage with Halifax which was paid up in 2013. I addition we also had a small mortgage of £6,000 with Skiptons which was cleared at the same time in 2013. Our title deeds were held in the Halifax deed store for a small retention of the mortgage as a fee for safeguarding the deeds interest free. This was £154. We are now selling the property and have paid the £154 to Halifax in order to release/return the deeds to us. Our conveyance solicitor has now told us that there is still a. Charge on the property with Skiptons. Halifax should have informed Skiptons to remove the charge but didn’t. I have rung Skiptons to have the charge removed and was told they have no interest in the property. How can I have this charge removed? This is now holding up the sale of our property.

  • 1 Answers

    By NotaryExpress on 25/07/2020

    It does happen that a lender forgets to remove their charge. My understanding is that it's simply a case of persuading the lender to remove it. Send them a copy of the title register, provide your old mortgage account number, say they haven't removed their charge and it's holding up your sale, and they should do so.

    www.notaryexpress.co.uk

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