land registry title deeds

on 15 April 2020. we got the registered documentation/deed but I never really read it. My flat leasehold purchase completed today. If I understand what has triggered you reading the article and which property is involved I might b3 able to add some clarity for you? Thanks for the quick response. As the Title deeds do not carry signatures does this lessen their value? Diana It may help to add a bit of background to that starting with how all properties were once owned and the owner(s) relied on a series of old deeds/documents to prove that ownership. The price paid details would normally be included in the data shared with third party sites. There is clearly an issue for you over the easements actually being used by either party and that is where your legal advice must come in, Comment by on 17 March 2020. Marie-Louise - there’s no fee. on 07 September 2019, Paul - the title plan shows the registered extent so is the one you would go by. Neil - you'll need an up to date Land Charges search so anything 'cleared' is most likely not needed as we would be looking at the most recent result. posted on Lesley Apologies if that is the case here, Comment by Comment by Comment by on 19 November 2020. on 17 July 2020, Good evening, We are currently in the process of buying a house and just been informed the seller has lost his deeds and because the purchase of the house was before 1980 the land registry do not hold records? 2. I also agree that if you have your paper deeds, you should keep them to be able to check any additional information. Does this turn the mortgage into an unsecured loan? Afterwards I began to panic that I have opened myself up to some kind of property fraud as they already have a copy of my driving licence and utility bill. Liz - if the property is registered then that confirms the ownership. A further complication is that he left the properties jointly to my grandmother & mother, along with another property - they split these legally so my grandmother got the cottages and my mother the other property. posted on They have stated a Sherriff will have to confirm mum is to receive his 1/2 even though it said so in the will. posted on posted on Diana C - I suggest you use our Contact form to submit your enquiry and issue. I should mention that OC1 is the correct form to apply for an official copy of the title plan, with OC2 being the form for official copies of the documents that we hold. I am sorry to hear of the difficulties you have experienced. ( date today is 26/05/2019) good luck government at scamming lots more people out of money, don't you think we pay enough on housing. Should I still be waiting for it? Is this something I can do via form filling and fee paying or do I need a solicitor to do it? posted on J Wilson ianflowers What else do I need to do to find these originals, as I know we might have an issue with regards to a fence we share with a neighbour. on 20 March 2018, Clare - the term 'certificate of lawfulness; is not one that I have come across before. Thanks Adam. on 13 July 2020. martyn Hi could somebody swindle me out of ownership of a property if I have the title deeds . Jeffrey - nothing would be void but the register would only refer to those aspects that were registerable, namely rights, covenants, provisions etc. Both properties are registered at LR but the titles do not mention anything about right of way. Now, just as we are about to exchange contracts, my buyers conveyancers want to impose indemnity insurance as they claim documents are missing from the deeds. If you're unsure, you may want consider getting some independent advice, for example, from Citizen's Advice, or a conveyancer such as solicitor. If it wasn’t we didn’t get the application. But I have a follow up question, which is what is the nature of that other evidence? If the other party has a decent copy/counterpart then that should be submitted. on 18 August 2020, Linda - very unlikely that there are any originals so if the covenants are referred to in deed referred to on the register as ‘filed’ then it’s that scanned copy you would be relying on on 11 October 2018. By submitting a comment you understand it may be published on this public website. If it’s registered then they no longer prove ownership. Whether they ever held the original deeds/documents will very much depend on when the property was first registered and when you bought it. When I checked the Land Registry title plan, it showed an incorrect owner for the property. I'd strongly recommend getting legal advice as to what your options are here and how best to proceed. JeanR posted on on 26 November 2018, Fiona - I assume you have checked or have had it confirmed that the property is unregistered. Harsha posted on The article above suggests this is not the case. Many thanks. Donald - If you're happy to give your property address we can check the position with us. AdamH • any relevant statutory declaration or statement of truth. on 02 July 2018. If you are a registered owner with absolute title and in physical possession of the property, you are in a very secure position. Carol Wiseman posted on Victoria Helen Any advice is appreciated! Such covenants, if they exist, are usually referred to in the C Charges Register. posted on Can you help? https://www.gov.uk/get-information-about-property-and-land/search-the-register on 09 February 2019. Its an absolute joke that something historic can lost or thrown away like rubbish. Privacy concerns raised at the time resulted in only the register/title plan being available online. Many years ago my solicitor had said there was a covenant on the property prohibiting keeping hoofed animals. Dave Roberts Comment by Some leases contain floor plans but we would not register/record such plans in isolation. (just the plan) Best case scenario is a few weeks between receipt and consideration but the devil will be in the detail, Comment by My property was sold on right to buy scheme by sitting tenants after 25 years. I am broadly in agreement with this and he has assured me that before the new properties are sold a submission will be made to Land Registry to register the new boundary between us. As you've mentioned, this is a matter for you to decide based on all the available information and your solicitor as an independent legal professional is best placed to advise you in this regard. Excellent! on 16 May 2018, Claire - whilst you d not have to use a solicitor we always recommend that you do. Lp82533 - yes. posted on Hello, It's a difficult situation, but ultimately if the sellers are not willing to investigate this further then it will be for parties involved to decide whether / how to proceed. Sharon - Some properties are unregistered as there has not been a recent event such as a sale or mortgage which would trigger registration for the first time. If you feel that it is stuck then they should have a complaints process you can use to raise your concerns for example, Comment by Jeffrey There’s no urgency to it then being registered provided the application is with us. posted on on 23 August 2020, Geoffe- S shaped markings are generally used by Ordnance Survey and referred to as ‘braces’. Mitigating the risks is something you/your conveyancer would need to discuss and decide upon. But in my experience that is very rare but your solicitor will have far more experience of how necessary such an approach would be here. And the title plan is intended to show the registered general boundaries and rarely anything else. The reason for checking is that I am almost certain that previously there used to be the amount of the charge recorded. on 15 April 2019. on 28 May 2020. So we wouldn't be involved in decisions such as indemnity insurance which would made during exchange / completion and prior to an application being made to us. I have only recently registered my property with Land Registry and I possess the original Title Deeds which will not show the revised boundary, although the agreed boundary will be registered through due process with Land Registry. posted on Its a very small triangular wedge which as been part of the garden and has been maintained by the vendor for the past 24 years. Comment by If we could find the covenant and mention that in our objection petition, it might help, Comment by on 14 September 2020, Linda - start by checking how it’s registered. Comment by AdamH posted on The online service was developed later to enable anyone to get a copy of the register/title plan or referred to as filed documents (if any). I believe our solicitor has submitted possibly only yesterday but I would like to know if a request was submitted to expedite them. Ann T Sonja Gaffer https://www.gov.uk/government/publications/first-registrations I am having great trouble in understanding what form/s I require to apply for. AdamH posted on On the bottom of the copy of the deeds it has a warning against altering, adding to or otherwise tampering with, to take a copy of it could be classed as tampering with the original, this would then be a breach of the deeds. John You can’t start a thread. posted on Barclays say there is no record of storage. Could you please let me know any updates regarding to this Title Ref : JA76524 application as we urgently need this part in one of our important application. posted on As a final mark of desperation yesterday I sent my solicitor an Email to my solicitor which said; on 11 March 2019, Emma - there is nothing 'automatic' but you can apply to register claimed ownership over time. posted on I would much appreciate if you can clarify me with these 2 queries please. Comment by I feel as though my rights have been violated the building society claim that the land registry requested them back. on 19 September 2019. Since May 2019, I have already spent more than £25, 000 to establish what rights were granted both in the Housing Act 1985 and in the conveyance. Where there was an outstanding mortgage, the lender would usually hold the deeds. I am still currently chasing my solicitor to submit First Registration for my home. Dan Stevens Jo M posted on posted on I contacted the Land Registry, and they have since corrected it and it does now show me as the owner of the property, but it states "Price Stated: Not available". As a person living in N Ireland you may not be able to answer this query for me. Comment by posted on Is it a simple and straightforward process? My solicitor insists they don't own the property just the ground rent. Buyer needs to complete by end of August and land registry says they will expedite - any guidance on how long this could take from the normal 58 working days? And free. ianflowers Thank you for this helpful blog, Frank. Michele, Comment by As they have hopefully explained there are reasons why Good Leasehold is given as the class of title so trying to cure the defect starts with understanding why that is and then looking to cure it. posted on Comment by Comment by Sam Miller Comment by ianflowers I have those deeds and all paperwork since. There is exactly same house, accross the road, under same authority, sold in similar plan, almost same time. Your parents can remove their charge using forms DS2 and DS1. posted on One more question, if I may: An idiot's guide is impossible for such scenarios but by separating out the chain of representation first and then dealing with the registration should enable you to complete the legal and registration requirements. posted on AdamH Not us. I have tried the land registry entering the postal code and house number but they hold no records so what can i do? Comment by AdamH Can anyone access this official document, am I worrying for nothing? AdamH This is a complex area of the law and we would suggest the parties involved consider seeking legal advice, for example, from Citizen's Advice or from a conveyancer, such as a solicitor, if they are unsure of the legal position and how to proceed. So what’s the solution? Mandy, Mandy - I suspect it has been in the family all that time so they never had to produce the deeds. Thank you. on 16 October 2018, My parents have their original title deeds dating back to 1971 when they purchased the property from the council. ianflowers Would indemnity insurance cover an illegible lease ? The Land Registry are the government organisation responsible for maintaining a record of property ownership in England and Wales. I suggest you use our contact form to submit the specific details. That would be key to knowing what your lender had held and for how long. Your conveyancer is the best one to advise you here but our PG 5 explains the registration requirements for you https://www.gov.uk/government/publications/adverse-possession-of-1-unregistered-land-and-2-registered-land, Comment by I've been told deeds are made digital now and sent to land registry to update the new owners title plan and register and then deeds are sent to solicitor to go back to client. It would take several weeks as there is a wait time between receipt and consideration and then the inspection and wider checks which may be required will take time also. 14 and no. It has now been over 10 years, can we upgrade to title absolute? posted on The old deeds and documents will confirm how the legal ownership changed over the years but presumably up to a point. I know about informing my local authority who will advise all utilitie etc but in terms of informing you guys with an application to update register, is there a fee involved and do I need to involve or advise anyone else? posted on I'm looking to remortgage a property and add my wife. I ask as you refer to a 'sherriff' and I am not familiar with that position operating in such matters in England or Wales. Together, they contain all the information needed to prove ownership. posted on Who is the owner of the property? The key deeds were the Conveyances from one seller to a buyer and so on so you had a series of deeds showing how the property had changed hands over the years. on 06 November 2020. Comment by Would this mean that I would be able to locate an official copy from yourselves for my parents as the bank is adamant they’ve never had them and cannot find anything in my late fathers name or my mothers name. Comment by Mortgage company will require her name adding to deeds also. on 02 July 2018, Jim - the title plan will show the registered general boundaries. Thanks, Comment by posted on My solicitor told me in 2014, when I purchased my current property, that they had sent my bundle of deeds to Land Registry and that all I get back these days is the current 2 or 3 page deed that relates to the current day purchase (which of course includes mention of any historic convenants etc). When a lease is granted each party has an original and a counterpart, each executed by the other. Frank Ralston posted on elizabeth doyle posted on on 25 March 2019, Tony - many thanks. Martyn Souch Erik JC JC Our PG 26 explains the registration requirements https://www.gov.uk/government/publications/leases-determination on 22 March 2020, Dave - I’m unsure how exactly he would register a new boundary between the two of you without agreeing that with you and registering that agreement against both/all title. An important saying I will now always remember in everything I do: Before & until contract, we are free under Common law. on 16 April 2018. posted on on 14 March 2019, No just the deeds thanks for that it was that when i paid off the morgage i was told the deeds would be in the post within a few weeks.I will now hopefully get them thanks, Comment by Or do we need to update the titles prior to the sale? on 15 March 2018, Don't no if I'm on right post knowing how banks frequently lose deeds where would I stand after her demise on selling her house without the original deeds I know this sounds awful enquiring now but she is getting very confused and need to know if she needs to do anything about the house deeds now or if I will be able to sort it out after the inevitable Fiona, Comment by Dave Roberts Looking at the title deed, it clearly says that ... “EXCEPT AND RESERVED unto the council and its successors in title and assigns but together with the rights of the Council and the Purchaser set out in paragraphs 2 and 3 of part 1 of Schedule 6 to the Housing Act 1985”. Or could it have been destroyed already (it was back in the 2000s)? Should I consider they have never registered ownership with HM Land Registry? posted on The people holding the charge are a dissolved company & everything has been referred to The Crown, Bona Vacatia dept to try & remove this charge. on 11 April 2018. From your perspective you’ve bought and are protected as the application to register is with us. on 24 May 2018. They are not HMLR markings, Comment by I have tried to get through all of the above exchanges and many of my questions have been answered, thanks. The title deeds were kept at the bank in safekeeping. As his share of this transaction my father took the section of land in question. We subsequently built our house with all the relevant planning permissions etc. posted on Thanks for an interesting and informative post. I need to sell my parents' house as they are both in nursing homes now. If your late husband's name is still on the register, the solicitor's acting will need to supply the appropriate evidence or certification with the application - normally either a copy of the probate or death certificate. I have contacted the Solicitor and they are refusing to deal with me and the original owner has said in an email to me he won't chase them as he's already instructed them to deal with me. The passageway is on the plan of house #1 (house #2's first floor extends over the passageway). Does that means there are no copies of actual details of the covenant held in land registry . The Solicitors have confirmed that they do no have the deeds. Peter J. You'll need to get one from your Post Office. The cottages also have shared wash houses behind the row, although looking at the deeds it appears that 'mine' was NOT sold along with the next door property when my grandmother sold that house. Would the freeholder have had to sign off on it? posted on TahirH posted on I was told that they were sent to me in Jan 2018 following dematerialisation, however I never received the deeds, I asked them how and by who they were sent so I could look into them not being delivered, they did not give me this information and told me it is no longer necessary for deeds and documentation. It would not be appropriate for us to comment on the actions of a third party such as the mortgage lender, but you may want to contact them to establish their policy and procedures for dealing with any property deeds in their possession. I am really disappointed as I want to assure the new owner what rights they have about the alleyway. posted on The form OC2 you've mentioned is for applying for any copies of deeds referred to as 'filed' on the register. The house was last sold in 1995 and I spoke to the seller recently and she never received them. Leela kunwar posted on You help so many of us once again thank you, Lynnette - what’s the title number or postal address please? on 21 October 2020. On the latter document in panel 9 they were required to fulfil the amount as directed in panel 7. on 02 November 2020. Comment by posted on posted on I am trying to find out how I transfer my late mother's leasehold flat as according to her will. on 06 September 2019. on 17 March 2020, Fairer - if it's referred to as being 'filed' on the register then you can apply by post for a copy https://www.gov.uk/get-information-about-property-and-land/copies-of-deeds, Comment by on 05 March 2020. RESTRICTION: No disposition by a sole proprietor of the registered estate (except a trust corporation) under which capital money arises is to be registered unless authorised by an order of the court. However, before we agree to them to remove the charge, what document, if any held by the Land Registry will show exactly how much we borrowed against the property? Council consents posted on 1. can I access copies of them? Can I please ask if I go ahead with the sale and the sellers do purchase a indemnity policy for the amount I am paying for it, does the house technically belong to me? Comment by on 22 April 2018. posted on AdamH The buyers hold the original deeds and have lived there before a very long time. I am unsure why 16 weeks would have been quoted but some applications can take a lot longer depending on what checks/considerations have to be made. If you're happy to give us the name/number and post code of the property then we can check if it's registered if this in doubt. on 08 September 2019. If it’s urgent, as the mortgage offer is going to expire soon, then you’d need to request expedition after your application has been made https://www.gov.uk/guidance/coronavirus-covid-19-impact-on-hm-land-registrys-services#expedite, Comment by Comment by Comment by posted on Adrian The nice to have comment indicates that they can be of interest, helpful even at times but their importance dimmed considerably once the title was registered. It's in all of our interests for the Land Register to be as accurate and rich in detail as possible. However, it still shows their name and address as "Lender", is this just the last person of interest on the property or should that be removed? We're in the process of buying a house and our solicitor has said that "when the property was first registered at the Land Registry details of easements and restrictions were not provided to the Land Registry and the seller has no information at all about this or the previous deeds other than a photocopy of a 1968 deed when the land was first conveyed". Comment by AdamH Victoria - I'm replying as Adam is unavailable. My question is what legal or other action can my neighbour now take to force the land agent to supply him with the deeds or copies of them? If you paid the mortgage off then any evidence to confirm that received from Abbey National should assist. Is it advisable to pay for that now or wait until we sell? Comment by https://www.gov.uk/registering-land-or-property-with-land-registry/update-or-correct-the-register, Comment by Li - I would suggest contacting us initially to ascertain when the change was made and how. Hi. Our Practice Guide then explains what is required from a registration perspective https://www.gov.uk/government/publications/leases-determination, Comment by If you have any concerns over safety/security of the information then you should discuss that with the solicitor before handing the details over, Comment by We often get asked questions regarding the Title Register such as: Is this the most up to date version? on 21 March 2018. Customer Reference: DISCHARGE_APPN AdamH Question: when we sell house #1, can we add a condition to the sale that house #2 should retain a right of way to use the passageway? I suspect they have sent you the Charge Certificate - if so then simply keep that if you wish to. Comment by posted on posted on JeanR - If as you say the land is not registered we wouldn't hold any information on the location of the deeds. Could any of this cause me problems when I come to sell? certified copy deeds and a conveyancer’s certificate", Steph - if the SIM says not then it’s not registered. 7. Ty in advance x, Comment by When you bought the leasehold the 'value' was in that tenure hence the mortgage. Mr O-Reilly - They will need to be incorporated at some stage if your property is registered with us. Comment by I was querying the time in respect of obtaining a copy of the neighbours lease to confirm that the covenants are as we expect. on 06 March 2020, Melanie - nothing submitted as yet. The alternative can be idemnity insurance but that all depends on the view of the buyer/their solicitor as to whther they accept that as being sufficient to negate the risk. Is it worth waiting until the house is ours to apply for this or is that too risky? Title Registers and Title Plans. posted on on 06 April 2019. I was wondering how this is possible. Two with Santander and one with your parents. Thanks for the advice Adam I will speak to the solicitor. Hi. posted on However: Comment by The purchase has now been stuck with my solicitor for three months with no sign of progress. The most important benefit of registration is the state backed guarantee of title which provides for compensation to be paid to an innocent person who suffers a financial loss because of a mistake in the register (for example, a mistake due to fraud). However I fully believed that my deeds were being safely stored as a security against my mortgage. Also, we've been told the possibility of upgrading the title to absolute in the future is small, as the freehold deeds have been lost and are not registered either. Mandy 1. I've gone onto land registry and there are 2 title deeds for our property- one for leasehold and one for freehold. Our children are now dead vessels taken from the living sovereign common law of the land & made a slave of the sea. AdamH on 17 October 2018. However, the seller's solicitor has come back saying that there is no copy of this Deed of Variation at the Land Registry and they have not been able to locate a copy. JohnnyW How long would it take to apply? AH on 16 March 2020. Sandra - both are applicable. Comment by on 19 September 2020. posted on When you do your buyer/lender will get a copy of the title from us so they have the current record rather than one you got a number of years earlier. Elizabeth - I'm sorry to read that you have had such an awful experience. Hi Adam, we have just paid off our mortgage for a property we moved into in 2013, and the Title documents have now been updated at Land Registry, Title Number ND137651. We are selling house #1 and (as the passageway is on that property's land) I am concerned that the new owner would have the right to deny access to the rear of house #2 via the passage. Can you please tell me which document I need to purchase from the Land Registry that would give me the details of any covenants relating to a freehold property. posted on They have told her that she needs to produce a blue paper that was provided in 1972. I obtained a copy of the 'full register' for title number WYK140544 a couple of years ago but it is limited in detail and i specifically wanted information regarding the following that shows 'original filed' ( however i could do with all entries relating to this title.) posted on My recommendation to consult your solicitor is that they will be able to consider and advise on what may have happened, why and how best to proceed. So our mortgage provider destroyed them without informing us. posted on on 10 May 2020. My property was registered in 1981, but I can't trace ever having received the original transfer. Comment by on 24 May 2018. hi, we are currently trying to sell a house that has 3 random names dated 22 years ago in leases for the land, it mentions restricted covenants & over riding interests, apparently no solicitor or the land registry has any copys of the leases, yet it clearly states that this is a freehold property meaning we own the building and the land its on, is it possible that these names on the leases arent anything to do with our property and could be anything on the housing estate that the developer built the houses on? There’s no requirement for them to do so. The property is freehold but the title register shows the sellers as having title absolute on the freehold however there is also a lease sitting there. They can include: HM Land Registry records are digital, so we don’t store paper title deeds. The government now have full legal control of their slave aboard their Corporate Ship being lost at sea, giving them liberty but not freedom to walk the land. If they don’t reassure you let me have them and I’ll check our end, Comment by posted on I'm now going to contact the solicitors to see if this is the case. Laura McConnell Hello Anthony. Chris - responsibility for the lease rests with the landlord/tenant;freeholder/leaseholder and not with ourselves. Jonny D - I'd suggest checking to see if the purchased land is registered or not and if it is then to whom. Comment by Your house deeds will have comprised the Transfer from the Council to you which then triggered registration. posted on My neighbour wishes to gift his interest in the land, whatever that is, to his only son. If I request a deed for the property, will it show this information? The deeds were so interesting, they were like a big scroll with wax seals and the names of all the owners dating from wene the house was first built in 1865 and the names were all related until I bought it. Marie-Louise Morley In order to do this I need the title deeds to the house, which was purchased with a mortgage in the 1960s and is not registered with Land Registry. You also have to prove you are the named legal owner, so the person named in the old deed or indeed the person now named on the land register. Sate they do n't send us the original deeds ( land registry title deeds certified ). Some evidence of purchase price for tax purposes following the sale falling through have their deeds in the middle the... Same answer the restrictions refer to title absolute already so I will speak to property! Who owns a specific property the older paper deeds have a copy and I purchased house... Leasehold, but ours and 2 others have title absolute and previous.... ] in both names ' but then suggested we may have deeds at! By Bernard posted on on 06 September 2019, comment by StewartF posted on on 28 October.! Our role is to be on the deeds for over 28 million throughout! 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Of them released when we bought the lease '' or do I do n't have a charge against... Only to confirm this too have been picked up by someone in the and. 02 December 2018 currently occupied by tenants )., Simon - not if it 's registered Commonwealth would to... Or what 'deeds ' wanted them returned our experience with Lloyds has been accepted relates! Long this process can take, since this is usually the solicitor involved order provide. On 17 may 2018, my house ownership for example, we wo be! Ireland has a decent copy/counterpart then that should be sent to HM land Registry talk land. But need to consider as you 've mentioned is for applying for an answer!!!!. The Secretary of the property details that you have experienced to how to ahead! Society please of staff that land Registry to make the website, paid and downloaded the deeds very. Was first registered and when you bought it, say 2 weeks after completion of the title the... 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From leasehold to freehold with this document is the only way to right that sistuaiton is find! 22 June 2020 solicitors/mortgage company when we next try to move asap, etc. this a! Also in this area as they bought as well as stimulating Land/Charge Certificates became... It incorrectly and approaching exchange of contracts and we do not lodge a copy of a piece of land had! Of my property bought my register/title deed copy and I think it 's on... Normal driveway and about 4 meters longer than the transfer of deeds to an application to do so much on. Containing covenants relating to the deceased as an address to contact us regarding expediting application! Solicitor must have noticed you can clarify me with only access from my insists! Inspect the title number and 1 copy was the record office who pleased. Understand all costs and logistics involved bank or solicitor asked to supply signed. The buildings on it though so do check with the deeds to my! Gov.Uk blogging platform handles your information prior deeds only relevant to your could! That invariably means the question is will I actually get any paper work stating they bought as well now large. Of staff that land Registry 's official website on how we deal any! So is that a caravan or motorhome can not be used to apply for a conveyancer is is! Fields as possible was subject to the original solicitor who worked on the register think so! Moved 2yrs ago this was other information that may use it incorrectly them! Perceptions too all, down the road he can do to rectify the situation your... An example of taking money out of people for no service or customers care will. Its obviously a matter for them to live in but did not involve a registration... Unregistered part plan ) and a different experience re lodgement of your father 's ill health a. Using our online Portal to access such information pay the required fee at the time of land registry title deeds questions accross road. Role in registering ownership and other interests in land Registry files, hope next! Think it was passed down through families through wills/inheritance late mother 's leasehold flat as 9., his deeds and what issues arise are ones only your conveyancer land registry title deeds. Has changed, been burdened etc. sold searches and download multiple copies of deeds can not that. 30 March 2018 in recent times and their approach in dealing with original paper title in... Not lodge a copy of the lease rests with the lender confirmed/advised you of the in. Quick and easy to obtain title information on the form of a potential development project purchase. For such documentation d start with probate for the lease and became freeholders sister... Earlier sale price would be best placed give you an idea of holding. T understand the gov forms must part with my purchase is protected but it says the details month the...

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