sorry for not being clear. when drawing down a mortgage to buy my house, my solicitor gave an undertaking to the bank that he would deliver deeds and a stamped & registered mortgage to my mortgage bank. I did not ask him to do this. I also did not ask the bank to accept any undertaking (I wasn't aware of it!). I believe accepting such undertakings was common practice during the boom.
deeds are missing and I don't know if registration has been carried out - this is another, separate, serious, issue.
however the bank are saying that we are in breach of our mortgage t&cs and that we need to go in to discuss our financial position. this seems to be a veiled reference to us possibly losing our tracker mortgage.
obviously we're doing our best to get this sorted out, but I was just wondering if the bank really do have any come-back at us, or are they just scaremongering?