I've been waiting more than two months now for my bank to find title deeds.
After the mortgage finished I waited some time and then contacted the relevant department about 'vacating' the mortgage, but apparently all that is done automatically now, so I requested the deeds. Folio in other words. They searched and decided they sent them to the branch many years ago as my solicitor had requsted them (and I agree that he would have done so at the time as I wanted to change leasehold to freehold) He doesn't have the deeds, and now the manager in the bank is still looking for them but no joy so I think they are lost.
But I think it's time they pay for a new title or whatever is required. Does anyone know what needs to be done, can I get my own solicitor to do it, and will the bank pay for this, or will they do it themselves. Luckily for me this is not an urgent situation. Also can they bank try and insinuate it is my solicitor who is at fault, they have not done so yet. I presume they would need the solicitors signature of receipt of the deeds for that?
After the mortgage finished I waited some time and then contacted the relevant department about 'vacating' the mortgage, but apparently all that is done automatically now, so I requested the deeds. Folio in other words. They searched and decided they sent them to the branch many years ago as my solicitor had requsted them (and I agree that he would have done so at the time as I wanted to change leasehold to freehold) He doesn't have the deeds, and now the manager in the bank is still looking for them but no joy so I think they are lost.
But I think it's time they pay for a new title or whatever is required. Does anyone know what needs to be done, can I get my own solicitor to do it, and will the bank pay for this, or will they do it themselves. Luckily for me this is not an urgent situation. Also can they bank try and insinuate it is my solicitor who is at fault, they have not done so yet. I presume they would need the solicitors signature of receipt of the deeds for that?