Barclays second mortgage charge from 1983

Hi,
to give you some back ground.

My FIL passed away very recently, and my MIL has terminal cancer. As a result MIL has come to live with us, and is selling her property.
Sale is agreed , but the solicitors have advised there is a second charge outstanding on the property, from Barclays, and they cant complete until we remove.

MIL has no recollection of this charge, as it was 42 years ago, so clearly was repaid, the only thing she can think of is they had a new kitchen back in the early 80s...

Therefore she has no account number, and no-one at Barclays appears to be able to help without the Account number./

Can anyone advise how we / she can go about getting this charge removed for her.

As I said, she is poorly herself already, and is becoming increasingly stressed and worried about this outstanding charge, at a time when we simply want to keep her safe and well cared for.

Any ideas who we can contact to get this removed ?

Thanks
Karl

Hi Karl - you'll need t pursue it with the named lender as they will need to 'discharge' their legal charge. That's normally by way of a form DS1 but they will be aware of the process.

Hmmm, sounds easy, but they wont actually talk to us without an account number ? How do we get around that ?

Clearly this is their mistake given that it is from 42 years ago ?

 

Karl - noted and appreciated but there's only clarity when a lender actually discharges their legal charge formally.
I would suggest trying to identify the account number through any old paperwork/account info your Mother may have access to
You can also use our contact form to submit specific details re the address/title number and what details you are trying to confirm. The support team can then check to see what information, inc any account number if provided, exists in our own archives
Public guidance: dealing with land and property - GOV.UK
 

Thanks Ill use the contact form. I have a copy of the Title in hand and a copy of the second mortgage note to prior mortgagee, buts that all. Mother in law does not recall the loan at all, and there is no paperwork trail back as its over 40 years ago. I have spoken to Barclays and they cant trace anything from the names, from the address, or from the deed title number. I have also emailed the CEO of Barclays and filed an official complaint regarding non removal of the charge, but we are really up against it on timescales. Thanks for your advice.

Karl - escalating it within Barclays is the best/only way to go. If they can't help you then you may need to consider going to court to get them to dismiss/discharge the charge. It would be for a court, not us, to consider the wight of evidence you provide as to whether it's sufficient