I'm going to cheekily bump this old thread rather than starting a new one. I have a mortgage that was transfered from UB to AIB maturing in February if my calculations are correct. I now live in Germany so collecting the deeds from a branch is not exactly convenient but if I have to I will fly to Dublin and do so. Ideally I would like them to send them by courier (at my expense is fine) to me in Germany. Does anyone know if that's an option? Will AIB reach out to me or do I need to contact them once they stop deducting the direct debit?
Collecting deeds when my AIB mortgage is cleared.
- Thread starter murphaph1
- Start date
I don't know about AIB but I cleared my UB mortgage at the last minute before it was transferred anywhere and they just posted me the deeds. With UB anyway I definitely needed to contact them several times about the deeds after it was cleared, not proactive in any way, maybe AIB are better!
Brendan Burgess
Founder
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I doubt that there will be any panic in getting you the deeds.
Not sure I would want them posted.
You can probably nominate someone else to collect them for you if you don't want to wait until your next visit to Ireland.
Not sure I would want them posted.
You can probably nominate someone else to collect them for you if you don't want to wait until your next visit to Ireland.
Nominating someone would be just fine too, if they offer me that option. I'm half expecting that the deeds have gone missing, truth be told. I haven't seen them since the original mortgage was taken out with ICS Building Society. Who knows if they made it successfully to UB when I got that tracker back in 2004 and who knows if they made it to AIB when UB bailed out last year. I wouldn't want them posted, even with registered post. I would only allow them to be couriered or else I will opt to collect them in-branch.
Does anyone know if AIB reach out to me or if I need to reach out to them?
Does anyone know if AIB reach out to me or if I need to reach out to them?
I'm pretty sure that a lender will contact/write to a borrower when their mortgage loan is maturing.
But since you know that this event is imminent why don't you just contact them?
You need to be proactive. Call them and make a complaint and advise that you want a written response. Forces them to write to you a resolve it in a certain time.
If they fob you off with their Finial Reponses letter then you can escalate it to the FSBO.
Brendan Burgess
Founder
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While it may suit the OP to leave the deeds with AIB, in your case @DK123 , you need to be proactive.
If you want to sell the house or need them for any other purpose, it could be a serious problem.
So send a formal complaint and ask in it for a Final Response Letter so that you can take it to the Ombudsman.
The Complaints Dept will probably light a fire under the right person
If you want to sell the house or need them for any other purpose, it could be a serious problem.
So send a formal complaint and ask in it for a Final Response Letter so that you can take it to the Ombudsman.
The Complaints Dept will probably light a fire under the right person
I will have to do that if they don't reach out to me but after 20 years paying this mortgage another few weeks won't do me any harm. As long as they stop taking the DD that's the main thing. I was kind of hoping that AIB, being a big bank with many mortgage holders, that someone on here would have had recent experience of the process and could outline it to me without me calling them. If I hear nothing after the DD finishes I will of course contact them as I don't want them keeping the deeds.
S
SquirrelChaser
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Title deeds refers to more than just the legal title. There's also planning permission, opinions on compliance with planning, opinions on compliance with building regulations, certificates from plumbers, electricians, carpenters etc. Likely Section 72 declarations also.
And if the mortgage was taken out 20 years ago then depending on the county and the property it could have a couple of hundred years worth of original conveyances or leases and assignments. Which are (a) a total pain to replicate if lost and (b) very cool.
While making all land registered results in far more efficiency in conveyancing it's definitely a loss to say farewell to some of those older sets of title deeds.
When you come to sell the house, the purchaser will demand evidence of planning permission, certification of compliance with standards, etc in relation to the extention and (assuming you haven't just thrown all this stuff away, which I hope you haven't) you will hand over all the documents you have dealing with this stuff, plus the bundle of title documents that are (I presume) currently held by your mortgage provider. The purchaser will combine both sets of documents and they will be retained by their mortage provider. That's the process by which these things generally get added to the title deeds.
Strictly speaking, they're not "added to the title deeds" in the sense of becoming title deeds themselves. They don't become title deeds, but they are kept with the title deeds and treated in the same way as the title deeds, and anyone asking for "the title deeds" expects to get these documents as well.
I think that part of the confusion is that most people use the term "deeds" when referring to all of the documents mentioned above relating to their property and not just, say, the folio or land registry/registry of deeds/Tailte Éireann stuff. As others have pointed out there are additional planning and related documents that are important for when it comes to conveyancing.
S
SquirrelChaser
Guest
In principle it would be great to have a public record of documents relating to compliance with planning etc like the land registry folio is public
In practice that'll never happen. There's a somewhat better chance of a statute of limitations for planning issues where (in the absence of enforcement proceedings) the compliance/exemption status of a property becomes irrelevant after 7 years or whatever. But I think the Law Society has been beating that drum for a while with no effect, so i wouldn't be holding my breath.
Back in the day, after we had paid our mortgage in full AIB Home Loans were dragging their feet in returning the deeds of our house. I emailed them on several occasions backed up by telephone calls that the onus was on them to get on with the job. Eventually (2/3 years later)the deeds were returned using data post with a haggart of apologies.
Thank goodness I won’t be selling my house soon. While we would have the planning documents I doubt if we were issued with certificates of compliance all those years ago for plumbing, electricity etc. in fact when we bought the house the ad said recently rewired. But the plumbers said the floorboards had never been touched and all the wiring was original. All the sockets and light switches had been replaced but that was about it. Our conveyancing solicitor said there was no point in perusing it, so it must not have been a thing back then to request compliance certificates. The survey report said “appears to have been rewired” so no joy there either.
Sorry to have dragged this off topic.
Sorry to have dragged this off topic.
Hi Leper.Thanks for your in put.I am still waiting 5 years later for PTSB help re my post above while i also had a 20 year morgage at the same time with another company for a seperate rental property and it was paid off at the same time and the other company contacted me immediatly and sent me the deeds.What is wrong with PTSB. and why do they disrespect their customers like this.?Thanks.
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So you're waiting 5+ years for deeds from both PTSB and AIB?
Sorry Clubman.It was PTSB i had the morgage with.I do all my every day banking with AIB.My mistake.