have been quoted 3500 to release house deeds on my mums house on halifax deeds mortgage paid outright?
my mum passed away left house deeds with halifax b s mortgage paid outright they are saying that it will cost 3,500 to get deeds out of deed store something to do with house insurance and land deeds is this correct i dont know as am in conflict with my sister about this matter please could anyone help as this seems a lot of money to me as my mother and father never owed nothing in their life
speak to the financial ombudsman. I haven’t got details but you could google it and find their number.
Take a trip to Citizens advice, this sound like extortion to me.
That’s excessive, don’t go through the local branch go through head office.
However, deeds are now stored at the Land Registry electronically, few people use paper deeds anymore.
I suggest you contact the Citizens Advice Bureau they will advise you.
When I made the final payment on my mortgage with Halifax in 2005 they wanted £250 to release the paper deeds. I bypassed the branch, wrote to head office and got them free within a week.
Ask the solicitor who’s handling the will.
I think it is now illegal for someone to charge to release deeds to a house. Many people have reclaimed these charges. Your best bet would be to go and see a Solicitor. Only costs a few pounds for an hour.
i find this strange
if your mum had a mortgage,all the people who grant mortgages,insist on life insurance cover,which pays off the debt on death,if halifax claim they own the house and your mother didnt leave a will,then it goes to probate(the lawyers decide who gets what)there is “pecking”order sons,daughters immediate kin and kin twice removed and so on but only if there was no will,this sounds like a load of hot air from halifax,,,contact the land registry registration office and they will tell you what the registered state of play is with the property,if mortgage is paid up the only thing halifax can possibly be holding up the deeds for is,1 they havent received a copy of the death certificate or 2 it is subject to probate,no will.
if the house was only in your fathers name and your mother inherited it on his death it should have been paid off on his death by the insurance,,and equally so if it was in joint names it would be paid off by the insurance and pass to the surviving spouse(your mother)
I am in financial services and I have never heard of anyone charging this amount of money.I think they are having you on. Speak to your local CAB.
wow when we bought our house 2years ago, we discovered the deeds to our house are now all computerised and the paper deeds where ready to be binned, i asked our solicter to get them for us, ..(we where with the halifax also) we got them through the post, no charge at all, not even postage, the way i see your situation is YOU own the deeds and the bank have no right to keep hold of them as you (or your mum) has paid through the nose for the house, its all paid for, they are yours, and you have already paid a substancial amount for storage of a bit of paper, which the bank WANTED to hold in the first place… i would defo argue the toss, you own the deeds!!!
good luck… they make fascinating reading, especially if the house is old.xx