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Removing a legal charge
Removing a legal charge
Posted
Wed, 05 Nov 2025 12:14:01 GMT
by
Colin Wall
I want to remove a legal charge on a property because the loan (not a mortgage) has been repaid. The conveyancer who originally acted for us said it's not too difficult and that I need an AP1, an RX4 and an ID1 for each of the lenders (me and my wife). The ID1 says "you MUST (my caps) get a conveyancer to verify identity". So should I use an ID3 instead and get a friend who's a Chartered Accountant to be verifier?
On the RX4 in section 11 there is only room for one signatory, but we are joint applicants which seemed fine for the AP1. How do we do this?
Posted
Wed, 05 Nov 2025 13:40:34 GMT
by
Adam Hookway
Colin - if you are applying to remove a registered legal charge then you will also need a form DS1 completed by the lender/creditor
Form ID1/conveyancer or ID3/others as listed for the lender/creditor and/or whoever is applying (if different)
Panel 11 can be signed twice and dated. It's then read in conjunction with panel 12 as well
Posted
Wed, 05 Nov 2025 14:37:56 GMT
by
Colin Wall
Sorry Adam, I wasn't clear. I and my wife are the lenders and the money has been repaid to us. So do we need a DS1 or an RX4 ?
Posted
Wed, 05 Nov 2025 16:55:56 GMT
by
Adam Hookway
Colin - if it's a registered legal charge then you need a form DS1. If you also registered a restriction linked to the charge then we also need a form RX4
Posted
Thu, 06 Nov 2025 11:11:12 GMT
by
Colin Wall
Hi Adam - thanks for that. I've just looked at the Official copy of the Title on the Register sent to me after the transaction was done and there is a Restriction under B: Title register and a Registered Charge under C:Charges Register. Both have the same date.
So now I think I need to complete and send (in one batch) AP1, RX4, DS1, ID3(me) and ID3(wife) with the ID3s verified by a friend who is a working CA. Does that make sense?
Posted
Thu, 06 Nov 2025 11:34:49 GMT
by
Adam Hookway
Hi Colin - that makes sense
Posted
Mon, 24 Nov 2025 16:25:40 GMT
by
Colin Wall
Finally getting to filling the forms in and DS1 and RX4 seem straightforward as does the ID3. The AP1 not so much so I have a few questions if I may. The context remains the same; us as the unrepresented lenders applying for the removal of both the legal charge and the restriction. In preparation for making this (hopefully) a one-shot query I have entered them in a Word table which I will upload if that is OK. Please let me know.
Thx
Colin Wall
Posted
Tue, 25 Nov 2025 07:50:32 GMT
by
Adam Hookway
Colin - form AP1 should be completed re panels 1-7 inc, 12, 14 and 15. We don't pre-approve forms for submission so please rely on the accompanying side notes on the form and the online guidance as to how to complete each form before submitting your application
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