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.
my solicitor gave an undertaking to the bank that he would deliver deeds and a stamped & registered mortgage to my mortgage bank.
They are trying to blame you for their lack of diligence in managing the file - in theory you should not have gotten the mortgage until the documents were in place.
The deeds would not be transferred nor would a stamped and registered mortgage be possible without the money being released so not sure how the bank was at fault here?
The deeds would not be transferred nor would a stamped and registered mortgage be possible without the money being released so not sure how the bank was at fault here?
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