Conveyancing & Remortgaging

[Uzoma]

I'm getting concerned about correspondence coming to my home addressed to someone supposed to be remortgaging MY property. I often get mail for other people because flats share the same postcode but people omit the flat details. However, the latest letter we opened said that the solicitors were ready to complete. I called these solicitors weeks ago to correct the mistake and they acknowledged me but it seems to have fallen on deaf ears. I'm seriously considering legal advice - is it possible to sue the conveyancing firm? More importantly, can my home be remortgaged from under me? Who would give permission to my existing lender? This is all a bit confusing to me.

[wildwood]

I would get some legal advice pronto.

This could simply be a case of your lender selling the mortgage on and there is some communication hitch, but without knowing your property history it is impossible to say. Laws change over the years and some mortgages liens don't get lifted from the title because nobody bothers to. This causes problems when the property gets sold and the previous owner can not be found.

[Uzoma]

Although I have taken some legal advice, it is another person's name on the mortgage altogether. My lender is still in regular contact with me and so I suspect it might be something else

[Eve]

What did the solicitors say when you contacted them, could it be a typo in the address or them using an old address (possible if they use a case management system).

I'd suggest speaking to them again, if you get no joy try the head of conveyancing and mention you want to make a complaint if you don't get anywhere. If you don't get any joy there ring the Law Society complaints section.

http://www.legalcomplaints.org.uk/home.page

Do you recognise the name, who it's addressed to? Does anything else on the letters relate to your property other then the address?

[123everton]

I would speak to the mortgage provider PDQ and tell them you're not remortgaging. Once they've acknowledged that on the phone or in person demand they put it in writing, whoever you speak to make sure you take their name.

[emlett]

I'd contact the solicitors again and get shirty with them telling them that this is very distressing for you as you are worried that someone may be trying to commit fraud against your property ask they to ensure that their corresponsdence is correctly addressed in future and confirm the same in writing and that you will hav eto take the situation up with the solicitors regulation authority if anything untoward happens regarding dealings with your property
i doubt very much that it will, but that might make them sort their letters out property! i doubt that suing them will get you anywhere unless you suffer some losses over the matter which seems unlikely.