When my mortage ended Ulster bank asked me who my solicitor was to receive the title deeds. As I didn't want to involve a solicitor, why should I, I never replied. They did the vacate. But a few years later I asked them about where the documents were, they found them and asked where I wanted them sent to, can't remember if they mentioned a solicitor that time. As it's much handier fo me for them to bear the costs of minding the documents for free for me I don't actually want to bring them home. I might lose them or someone might throw them out, or if he house burns down I'd have an awful lot of hassle if I don't go to the expense of a fireproof safe.Hi, I recently redeemed my mortgage with Pepper Finance (originally an ACC loan, sold to RaboBank and ultimately Pepper). They refused to return the title docs. directly to myself, insisting that I had to nominate a Solicitor on my behalf. I eventually beat them down on this and was given an email address to contact their Solicitors directly! They want €448 to return the docs. to me. (€150 for handling the docs. €200 to prepare the vacate which I don’t think they’re even going to register, VAT plus €25 postage!!! Anyone have any experience of this? Sounds ludicrous.
- Aren't you documents grand there with them
I don't agree with this at all.
Then they are liable to reinstate the documents.Yep, and there have been a few threads on here over the years where banks have lost these documents.
Then they are liable to reinstate the documents.
Leo are you suggesting a bank that loses you documents that they hold in safe keeping are not liable for reinstating them if they lose them? Based on what solicitor Vanilla said they are liable.
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