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Removal of equitable charge when original creditor has ceased trading
Hello,
I have an equitable charge created by an interim charging order on my property. The original creditor Britannia, who became bank of Scotland, settled and closed the account but failed to update the land registry. I have tried to remove charge using form cn1 but the land registry say they can’t remove it. My account with bank of Scotland was closed in 2021 due to upgrade of IT systems and there are no longer any records of account- no one seems to know how to get the charge removed, I have confirmation letter from BoS showing account closed - but no way of obtaining a discharge from courts so the land registry can’t remove charge! Any ideas on how to go about this when the original lender is no longer available to speak to or get any further written correspondence ?!
I have an equitable charge created by an interim charging order on my property. The original creditor Britannia, who became bank of Scotland, settled and closed the account but failed to update the land registry. I have tried to remove charge using form cn1 but the land registry say they can’t remove it. My account with bank of Scotland was closed in 2021 due to upgrade of IT systems and there are no longer any records of account- no one seems to know how to get the charge removed, I have confirmation letter from BoS showing account closed - but no way of obtaining a discharge from courts so the land registry can’t remove charge! Any ideas on how to go about this when the original lender is no longer available to speak to or get any further written correspondence ?!
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