Gah!

[andrewducker]

I need to get hold of my deeds to find out if I can get anyone else to contribute towards the costs of sorting the pipe (which now seems to be corroded further up (although still within my flat).  However, my bank are telling me that they can't copy the deeds and give that copy to me, but they will let a solicitor look at them.

Can that possibly be right?  Or should I keep phoning them until I get a customer services person who will send them to me?

Anyone had to go through this themselves?

Comments

[drplokta]

Make a DPA request for all information that they hold in relation to your mortgage account.

[meaningrequired.livejournal.com]

Lets just demolish the entire flat.

[major-clanger.livejournal.com]

The 'title deeds' as such are the legal registration of your lease and the register of any easements or covenants affecting the lease (I imagine that what you are after is details of any repairing coventants). These should be available for a couple of quid for download from the Land Registry.

In my (limited) experience covenants are usually described in much more detail by the leasehold agreement. Do you have this or is this what the bank are holding? (I have mine, but then I'm lucky enough not to have a mortgage.)

[poisonduk.livejournal.com]

Get the council out - they'll come and enforce it on the whole building. most pipes which run the length of the building are considered communal, as is the roof. Your solicitor may well have a copy of yoru deeds - I know mine does as I had to query car parking with him.

[poisonduk.livejournal.com]

Patch up jobs don't work on a pipe unleass there's a proven reason for the repair requorement - The water finds the next weakest point and will force through. Your pipe was corroded behind your wall and not at below ground level so no direct relation for the pipe corrosion, i.e. ground damp etc. Chances are the pipe is at the end of its life(this happened in my mum's building) and therefore you keep patching within your property the pipe will burst further up, outwith your place and then just flood your place which will end up with another insurance claim. Call Edinburgh Coincil and ask for advice.

[sbisson.livejournal.com]

I suspect that a good place to start will be making a claim on the shared building insurance, as the pipe is part of the exterior wall...

[momentsmusicaux.livejournal.com]

Well might be different in Scotland, but I would say that is total balls. The deeds still belong to you.
Does your bank have a branch? I would go there and raise merry hell until you get a manager out to talk to you. And then raise hell with them too as they will probably be twelve.

[stevegreen.livejournal.com]

Ann and I didn't get our actual deed documentation back until the mortgage was paid off, but I can see no reason whatsoever why a photocopy (with "copy" stamped upon it) should not be made available at a reasonable cost.

[daisyflip.livejournal.com]

The Boy had some experience of this a few years ago: leaky pipe causing damage in the flat. He had to pay for the damage it had caused within the flat but got a statutory notice sent to other flats in the building and got the money back with no real problem. If you want to know more I'll quiz him and send you an email?