Did you buy the house from the bank?but how can they sell a house the people "selling" didnt own?
Bear with me on this it's messy as the title states !
So bought house mid 2000s , from a couple , who bought house from the original owners
What bank? No bank sold the property according to the above.I'm wondering how could the bank sell a house they didn't own or have right to sell?
Your solicitor presumably should have discovered this and told you?We didn't know it was a leasehold we were buying
What bank are you referring to here? Your mortgage lender? What do you expect to achieve here?? I don't know how to approach this correctly with the bank any insight or advice would be great or maybe someone has come across something similar? Cheers
Where does it say in the mortgage contract that you signed that any such obligation forms part of that contract?Bank has an obligation to do a land registry search .
Really sounds like you're looking for a way of getting out of paying what you owe. If you are repaying as per the agreement and the balance is correspondingly reducing, then all is in order.A bit harsh , all I want to do is make sure that everything is in order
advice would be great
So to sum up your digging into bonkers legal stuff to justify you not paying a mortgage the property you live in which you borrowed for in order to own it?I now own the property. The bank can't repossess it or make any claim to it . If I stopped paying the mortgage as of now , what could they do? Their documents are not in order , the deeds they used to lend the money are worthless , and they lent us the money without doing due diligence, they paid the ppl we bought from the selling price and put us on the hook for 35 yrs - they secured the loan against a property that did not belong to the seller . So how is this my problem? My house, my land , and the money they paid for the house to the seller that they have been charging me for the last 17 yrs was not theirs to sell . So that's the issue exactly, I feel like a bank who is that negligent in their dealings , and who would happily evict and repossess if no payment was forthcoming, should have the same logic applied . The land is mine , if they want me to pay mortgage and they have a claim on the house , then I want ground rent on my land that is state guaranteed as mine , full and free
Some craic will be had tormenting them at least
There we have it. Ok to borrow money but seems to think banks should give out money for free. Like how dare a bank charge interest. I should have realised from the first gobblygook land registry/The Reg of Deeds nonsense with a whole load of other salt and pepper thrown in that this was Freeman stuff. I've a relation spouted that kind of stuff and lost everything.Are you upset at the thought of a bank losing out on interest on a loan? I have repaid the principal by now at least , the bank have got their pound of flesh so to speak. Is it a moral objection you have ?
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