Removal of charges for private mortgage

Hi, I'm looking for advice on the process to remove two charges from the title register. They relate to private mortgages from family members, which have been fully paid off. As I intend to do this myself can you please confirm my understanding of the process is correct? Each private lender completes a DS1, executed as a deed. Each private lender completes ID1/ID5 electronically. Myself and my wife as the registered owners complete an AP1 and submit along with the lenders DS1 forms and the lenders ID1/ID5 forms. It becomes a bit confusing to me if my wife an I also need to complete ID1/ID5 forms. I think that we do not, but I want to be sure. We will complete panel 6 on the AP1, and in panel 14 I will list the lenders and indicate their Conveyancer’s as 'None'. Then in 14.2 I will tick only, 'for each unrepresented transferor, landlord, transferee, tenant, borrower or lender listed in (1) is enclosed'. The guidance states, 'You only need to cross the first box (‘for each applicant named in panel 6 is enclosed’) if the applicant shown in panel 6 of your form is different to any of the persons named in panel 14.' However I think this rule about checking that first box in Panel 14(2) only kicks in if the applicant in Panel 6 is a third party who is supposed to provide ID for a transaction but isn't listed in Panel 14, but not in the case of a discharge. Can you please confirm that my understanding is correct and in this case ID1/ID5 forms are only required for the lenders and not my wife and I? If my understanding is incorrect and my wife and I do need to complete ID checks when submitting the AP1, could the lenders submit the AP1 form instead to avoid my wife and I having to do the checks? There is one other complication in that one of the lenders has moved address since the charge was lodged, so their address does not match that on the charge. Do they need to provide any additional supporting information in addition to their DS1 (which reflects their current address)? Thanks for your help.

Hi Iain - We would require identity evidence of the person executing the form DS1, but also require identity evidence for the person(s) submitting the application (completing the form AP1) if they are not the same as the one who has executed the form DS1. The lenders could complete and submit the form DS1 and form AP1 to avoid you having to provide your identity verification. Hope this helps.

Hi, Thanks for you quick reply and assistance. So to confirm, if each lender completed their own AP1 would they put their own details in panel 6? The result would be the two lenders are removed and mine and my wife remain on the register as the owners? Could both lenders complete the same DS1 and AP1, or should they be separate? Also could you please kindly review my other point? There is one other complication in that one of the lenders has moved address since the charge was lodged, so their address does not match that on the charge. Do they need to provide any additional supporting information in addition to their DS1 (which reflects their current address)? Thanks for your help.

Hi Iain Are there two separate charges on the title or is one charge from two individuals? Perhaps if you can give me the title number so that I can check the register to confirm the situation and then respond to your further questions.

Hi, its two separate charges for two individuals. The title reference number is GM630955.

Hi. Thank you. So the options for you would be: (i) the two lenders to complete form DS1 and form AP1 each, and submit them individually with evidence of their identity in form ID1 or form ID3. (ii) the two lenders each complete a form DS1 and evidence of identity in form ID1 or ID3 and pass the forms to you. You then complete one form AP1 and your own evidence of identity in form ID1 or ID3 and submit the application to us. For the lender who's address has changed, you can include evidence that would otherwise be submitted to register a change of address of service - https://www.gov.uk/government/publications/updating-registered-owners-contact-address Which option you prefer is entirely up to you and the lenders. I hope this helps to clarify. Which option you prefer w

Hi, thank you for clarifying my options. It seems since the lenders will need to have ID verified that option ii will be the best. So for the lender whose address changed, they can simply include a copy of 'Passport biodata page (the page with your photo on'? Does this need to be self certified, and would a covering letter be needed? Thanks

Hi Iain - It would be useful include a covering letter. Whether they include the passport page will depend on how the identity verification has been done.

Hi, ok thanks, I'll ask them to include a covering letter. The ID verification was done remotely with a solicitor so ID1 and ID5 forms will be submitted alongside the DS1 and AP1. Part of the ID process I believe is to share passport details with the solicitor, and then they take a picture of the applicant with the passport in the call. Can you please tell me which ID would be best to send with the application for the change of address in this case and if it should be self certified?

Hi Iain - It would probably best to include a copy of old driving licence, if available, together with the new one as it would include the address and photograph of the person. If that is not available then any utility bill or bank statement showing former address would be useful.