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Was just skimming over the fora after a lengthy hiatus and I spotted a thread on secured loans which got me wondering.
Eleven years back, Wife & I took out a secured loan to settle a few credit cards and paid the loan off early a couple of years back. I recall at the time that Halifax didn't seems to be too happy about the settlement for some reason. There had been bad blood between us and HBOS since 2004 and I never trusted them after that. Now, my concern is: Halifax would surely have put some kind of marker or 'claim' to the deeds to our home in the event of the loan not being paid off. Now that it has been paid off, the marker should have been removed, too, yes?
I recall getting a letter from them acknowledging the settlement of the loan but nothing about the title deeds. I intend to phone the Registry of Scotland on Monday but before I shell out £30 on seeing what they hold on our property should I be aware of anything else the hated Halifax might have tried to pull?
Eleven years back, Wife & I took out a secured loan to settle a few credit cards and paid the loan off early a couple of years back. I recall at the time that Halifax didn't seems to be too happy about the settlement for some reason. There had been bad blood between us and HBOS since 2004 and I never trusted them after that. Now, my concern is: Halifax would surely have put some kind of marker or 'claim' to the deeds to our home in the event of the loan not being paid off. Now that it has been paid off, the marker should have been removed, too, yes?
I recall getting a letter from them acknowledging the settlement of the loan but nothing about the title deeds. I intend to phone the Registry of Scotland on Monday but before I shell out £30 on seeing what they hold on our property should I be aware of anything else the hated Halifax might have tried to pull?
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