I understand that in applying for bankruptcy that the courts fee is 650 approx,, can these fees go up considerably if for instance the property has not been sold or perhaps in the case of a joint-mortgage, if one person has emigrated with no contact information. ?
As Time says, one would assume the OA has to deal with this, you cannot get the title deeds as the bank is holding them, and the bank is not going to release them to you.