how do you get a bank charge removed from land registry?

[Busby15]

This charge goes back to 1974 the bank never removed it and now it is proving a pain to get RBS to sort it out. The bank was Williams & Glynn and tAKEN OVER BY RBS, its impossible to get any sense out of anyone

[woofgang]

What ahve you done and tried already?

[Busby15]

contacted the bank over a week ago and the business manager said he would inform the legal dept. I thought it would be a simple electronic DS1 submission, but trying to speak to anyone or finding the right dept is impossible

[The Builder]

I had a house where a 40 year old Land Registry entry (incorrectly) showed a lane running through the garden.
My lawyer simply dealt directly with the Registry to get it amended. In your case, I think that would be more likely to be successful than dealing with the Bank.

[woofgang]

Have you got any proof that the loan has been paid off, or any papers relating to the expected mortgage end date? Any account numbers?
I had some "fun" a year ago chasing old insurance policies held by my late mother in law. The word I kept hearing from many of the organisations was the "archived accounts department"

[woofgang]

PS the registry wont remove charges without the agreement of the organisation or individual that placed the charge or concrete proof that the charge should be removed, eg a letter stating that the mortgagor has no further interest in the property.

[Peter Pedant]

yeah . I had to get the fella w3ho put the charge on
take ut off

[cathfromsaron]

i had a 'charge' removed within 24 hrs of repaying!

take this higher and complain!

[Eve]

I'd have thought you will just have to wait for RBS to track down details to be able to provide confirmation of discharge for the Land Registry to be able to remove it.

Is it your property and was the charge yours? Was the charge put on or repaid in 1974 and is there any chance there would be a vacating receipt anywhere with the deeds or other papers?

The terms of any restriction on the title register are worth checking too.

A week isn't a long time in the circumstances.

Normally, upon receipt of monies to clear the debt the bank would have sent a vacating receipt to be stored with the deeds as proof or, nowadays, sent to the Land Registry. These days it can be done electronically (END) or by DS1 which would be obtained from the lender paid off and be sent to the Land Registry.

[woofgang]

Cath recent charges are no problem. It's when they didn't get taken off at the time of repayment that it gets difficult as the bank will have archived the papers. Not a problem if you have your own copies and can send copies to the bank for proof, but more complex if you haven't.