Dematerialisation of paper Deeds

STEFAN made this Rhyddid Gwybodaeth request to Land Registry

This request has been closed to new correspondence from the public body. Contact us if you think it ought be re-opened.

Roedd y cais yn llwyddiannus.

Dear Land Registry,

On what date did the Land Registry introduce the dematerialisation of paper deeds?

How many enquiries and or complaints has the Land Registry, in England and Wales, received from concerned residential home owners since the Land Registry introduced the dematerialisation of paper deeds.

For the avoidance of doubt, I am only interested in the number of enquiries and or complaints received in regards to lost or missing paper deeds since the land registry introduced the dematerialisation of paper deeds.

Thank you

Yours faithfully,

Stefan

Sondh, Gurmale, Land Registry

Dear Stefan,
 
Thank you for your email dated 13 April 2013 requesting the date Land
Registry introduced the dematerialisation of paper deeds and the number of
enquiries and or complaints received in regard to lost or missing paper
deeds since the land registry introduced the dematerialisation of paper
deeds.
 
Your request is being dealt with under the terms of the Freedom of
Information Act 2000 and will be answered within twenty working days. 
In some circumstances a fee may be payable and if that is the case, I will
let you know. A fees notice will be issued to you, and you will be
required to pay before we will proceed to deal with your request.
If you have any queries about this letter, please do not hesitate to
contact me. 
Yours sincerely,
 
Freedom of Information Officer
Corporate Legal Services
Land Registry Head Office, 4th Floor, Trafalgar House, 1 Bedford Park,
Croydon, CR0 2AQ

=============================================================================================================
From:   STEFAN [[FOI #157471 email]]
Posted At:      13 April 2013 18:36
Conversation:   Freedom of Information request - Dematerialisation of
paper Deeds
Posted To:      Freedom of Information Act
 
Subject:        Freedom of Information request - Dematerialisation of
paper Deeds
 
 
     Dear Land Registry,
 
     On what date did the Land Registry introduce the dematerialisation
     of paper deeds?
 
     How many enquiries and or complaints has the Land Registry, in
     England and Wales, received from concerned residential home owners
     since the Land Registry introduced the dematerialisation of paper
     deeds.
 
     For the avoidance of doubt, I am only interested in the number of
     enquiries and or complaints received in regards to lost or missing
     paper deeds since the land registry introduced the
     dematerialisation of paper deeds.
 
     Thank you
 
     Yours faithfully,
 
     Stefan
 
     -------------------------------------------------------------------
 
     Please use this email address for all replies to this request:
     [FOI #157471 email]
 
     Is [Land Registry request email] the wrong address for Freedom of
     Information requests to Land Registry? If so, please contact us
     using this form:
     [1]https://www.whatdotheyknow.com/help/cont...
 
     Disclaimer: This message and any reply that you make will be
     published on the internet. Our privacy and copyright policies:
     [2]https://www.whatdotheyknow.com/help/offi...
 
     If you find this service useful as an FOI officer, please ask your
     web manager to link to us from your organisation's FOI page.
 
 
    

dangos adrannau a ddyfynnir

Sondh, Gurmale, Land Registry

Dear Stefan,
 
I refer to my email dated 15 April 2013 acknowledging receipt of your
Freedom of information request posted on 13 April 2013. You requested the
following information and I respond to both questions in the same
numbering order as follows :-
 
(1)On what date did the Land Registry introduce the dematerialisation of
paper deeds?
 
The methodology and processes for scanning and subsequent
destruction/dematerialisation of documents formed part of the
introductions implemented as a result of the Land Registration Act 2002,
which came into force on 13 October 2003.  Rule 203(6), Land Registration
Rules 2003, makes provision for the destruction of original documents; an
electronic image is deemed a sufficient copy and is used to produce
official copies.
 
Under rule 203(2) of the Land Registration Rules 2003 (LRR 2003) an
applicant or their conveyancer may request the return of all or any of the
documents accompanying an application. However, except on an application
for first registration (governed by rule 203(4), LRR 2003) a person making
such a request must deliver with the application certified copies of the
documents to be returned. To assist you further with your request please
see Land Registry Public Guide 3 which can be viewed from the following
link. This will provide general information about Land Registry and item
numbered 3 “the title information document” will be useful.
 
[1]http://www.landregistry.gov.uk/public/gu...
 
(2)How many enquiries and or complaints has the Land Registry, in England
and Wales, received from concerned residential home owner since the Land
Registry introduced the dematerialisation of paper deeds. For the
avoidance of doubt, I am only interested in the number of enquiries and or
complaints received in regards to lost or missing paper deeds since the
land registry introduced the dematerialisation of paper deeds.
 
I am informed by our Customer handling team that under our current and
previous complaint/enquiry categorisation arrangements, we are unable to
isolate the enquiries and complaints we have received since the Land
Registry introduced the dematerialisation of paper deeds, which relate to
lost or missing paper deeds.
 
If you have any queries about this letter, please contact me.
If you are dissatisfied with this response to your request, you may seek
an internal review within two months of the date of our reply. Internal
reviews will be dealt within 20 working days. If at the end of this time
we are unable to respond, we will write to you explaining the reasons and
giving you a new date. If you seek an internal review please write to:
Mike Westcott Rudd
Head of Corporate Legal Services
Land Registry Head office
Trafalgar House
1 Bedford Park
Croydon
CR0 2AQ
Email: [2][email address]
 
If you are not content with the outcome of the internal review, you have
the right to apply directly to the Information Commissioner (ICO) within
two months of the reply for a decision. Generally, the ICO cannot make a
decision unless you have exhausted the complaints procedure provided by
Land Registry. The Information Commissioner can be contacted at: The
Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow,
Cheshire SK9 5AF.
 
Yours sincerely,
 
Freedom of Information Officer
Corporate Legal Services
Land Registry Head Office, 4th Floor, Trafalgar House, 1 Bedford Park,
Croydon, CR0 2AQ

==========================================================================================================
From:   Sondh, Gurmale
Sent:   15 April 2013 14:36
To:     '[FOI #157471 email]'
Subject:        Freedom of Information Act             (our ref
:-Stefan-150413)
 
Dear Stefan,
 
Thank you for your email dated 13 April 2013 requesting the date Land
Registry introduced the dematerialisation of paper deeds and the number of
enquiries and or complaints received in regard to lost or missing paper
deeds since the land registry introduced the dematerialisation of paper
deeds.
 
Your request is being dealt with under the terms of the Freedom of
Information Act 2000 and will be answered within twenty working days. 
In some circumstances a fee may be payable and if that is the case, I will
let you know. A fees notice will be issued to you, and you will be
required to pay before we will proceed to deal with your request.
If you have any queries about this letter, please do not hesitate to
contact me. 
Yours sincerely,
 
Freedom of Information Officer
Corporate Legal Services
Land Registry Head Office, 4th Floor, Trafalgar House, 1 Bedford Park,
Croydon, CR0 2AQ

=============================================================================================================
From:   STEFAN [[FOI #157471 email]]
Posted At:      13 April 2013 18:36
Conversation:   Freedom of Information request - Dematerialisation of
paper Deeds
Posted To:      Freedom of Information Act
 
Subject:        Freedom of Information request - Dematerialisation of
paper Deeds
 
 
     Dear Land Registry,
 
     On what date did the Land Registry introduce the dematerialisation
     of paper deeds?
 
     How many enquiries and or complaints has the Land Registry, in
     England and Wales, received from concerned residential home owners
     since the Land Registry introduced the dematerialisation of paper
     deeds.
 
     For the avoidance of doubt, I am only interested in the number of
     enquiries and or complaints received in regards to lost or missing
     paper deeds since the land registry introduced the
     dematerialisation of paper deeds.
 
     Thank you
 
     Yours faithfully,
 
     Stefan
 
     -------------------------------------------------------------------
 
     Please use this email address for all replies to this request:
     [3][FOI #157471 email]
 
     Is [4][Land Registry request email] the wrong address for Freedom of
     Information requests to Land Registry? If so, please contact us
     using this form:
     [5]https://www.whatdotheyknow.com/help/cont...
 
     Disclaimer: This message and any reply that you make will be
     published on the internet. Our privacy and copyright policies:
     [6]https://www.whatdotheyknow.com/help/offi...
 
     If you find this service useful as an FOI officer, please ask your
     web manager to link to us from your organisation's FOI page.
 
 
    

dangos adrannau a ddyfynnir

Dear Land Regsitry,

Thank you for your prompt reply and for confirming the date when the Land Registry started dematerialising paper deeds.

I now understand that the Land Registry commenced dematerialising paper deeds on the 13th Ocotober 2003, however, could you confirm whether the Land Registry had any prior arrangement with any entities, whereby paper deeds were being materialised prior to 13th October 2003?

If so, what are the names of these entities and what were the dates that dematerialisation came into effect?

Thank you

Yours sincerely,

STEFAN

Sondh, Gurmale, Land Registry

Dear Stefan,
 
Thank you for your email dated 16 April 2013 requesting the following
information :-
 
“could you confirm whether the Land Registry had any prior arrangement
with any entities, whereby paper deeds were being materialised prior to
13th October 2003?
 
If so, what are the names of these entities and what were the dates that
dematerialisation came into effect?”
 
"Dematerialisation began before 13th October 2003.
 
Under section 63(3) of the Land Registration Act 1925 a registered
proprietor could deposit their land or charge certificate with Land
Registry. Generally, certificates were deposited for only short periods of
time and for particular purposes, for example for a sale of part, but from
1999 some lenders made blanket requests to Land Registry to retain their
charge certificates. These requests were limited to specific mortgage
products and generally related to charges (i.e. mortgages) created after a
specified date. This process was commonly known as 'dematerialisation'.
 
Land Registry did not retain other documents, such as original leases and
pre-registration deeds which were issued to the lender or their customer.
A charge certificate was not retained as a physical document: if a lender
requested the return of any particular certificate it was made up from its
various components which were held either electronically or in paper
files.
 
This form of dematerialisation ended on 13 October 2003 with the abolition
of land and charge certificates.
 
The first lender to request the retention of its charge certificates under
section 63 of the Land Registration Act 1925 was Nationwide Building
Society. Most major lenders also made subsequent requests.
 
Land Registry does not hold a single list of entities that requested an
arrangement or identifying the dates of specific arrangements.
If you have any queries about this letter, please contact me.
If you are dissatisfied with this response to your request, you may seek
an internal review within two months of the date of our reply. Internal
reviews will be dealt within 20 working days. If at the end of this time
we are unable to respond, we will write to you explaining the reasons and
giving you a new date. If you seek an internal review please write to:
Mike Westcott Rudd
Head of Corporate Legal Services
Land Registry Head office
Trafalgar House
1 Bedford Park
Croydon
CR0 2AQ
Email: [1][email address]
 
If you are not content with the outcome of the internal review, you have
the right to apply directly to the Information Commissioner (ICO) within
two months of the reply for a decision. Generally, the ICO cannot make a
decision unless you have exhausted the complaints procedure provided by
Land Registry. The Information Commissioner can be contacted at: The
Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow,
Cheshire SK9 5AF.
 
Yours sincerely,
 
Freedom of Information Officer
Corporate Legal Services
Land Registry Head Office, 4th Floor, Trafalgar House, 1 Bedford Park,
Croydon, CR0 2AQ

 
 
From:   STEFAN [[FOI #157471 email]]
Sent:   16 April 2013 20:05
To:     Sondh, Gurmale
Subject:        Re: Freedom of Information Act             (our ref
:-Stefan-150413)
 
     Dear Land Regsitry,
 
     Thank you for your prompt reply and for confirming the date when
     the Land Registry started dematerialising paper deeds.
 
     I now understand that the Land Registry commenced dematerialising
     paper deeds on the 13th Ocotober 2003, however, could you confirm
     whether the Land Registry had any prior arrangement with any
     entities, whereby paper deeds were being materialised prior to 13th
     October 2003?
 
     If so, what are the names of these entities and what were the dates
     that dematerialisation came into effect?
 
     Thank you
 
     Yours sincerely,
 
     STEFAN
 
 

Land Registry is the definitive source of information for more than 23
million property titles in England and Wales. Since 1862 we have provided
security and confidence in one of the most active property and mortgage
markets in the world. We are working to support economic growth and data
transparency as part of the Public Data Group. Find out more at
www.landregistry.gov.uk

If you have received this e-mail and it was not intended for you, please
let us know, and then delete it. Please treat our communications in
confidence,
as you would expect us to treat yours. Land Registry checks all mail and
attachments for known viruses, however, you are advised that you open any
attachments at your own risk.

dangos adrannau a ddyfynnir

Communications via the GSi may be automatically logged, monitored and/or
recorded for legal purposes.

References

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Dear Land Registry,

Thank you for your response.

Would you please respond to the following?

1. "1999 some lenders made blanket requests to Land Registry to retain their charge certificates."

Q1, What are the names of the lenders that made these blanket requests?

2. " These requests were limited to specific mortgage
products and generally related to charges (i.e. mortgages) created after a specified date. "

Q2, Would you please clarify what products?

3. "This process was commonly known as 'dematerialisation'."

Q3, I thought that dematerialisation did not come into effect until the 13th October 2003? Please clarify.

4. " This form of dematerialisation ended on 13 October 2003 with the abolition of land and charge certificates."

Q4, If dematerialisation did not come into effect until 13th October 2003, what was the previous dematerialisation that you have referred to and what was the purpose of doing this?

5. "The first lender to request the retention of its charge certificates under section 63 of the Land Registration Act 1925 was Nationwide Building Society."

Q5, Did Birmingham Midshires request the retention of its charges certificates under section 63 of the Land Registration Act 1925? If so, when did this commence?

Thank you,

Yours sincerely,

STEFAN

Sondh, Gurmale, Land Registry

Dear Stefan,
 
Thank you for your email dated 17 April 2013 requesting the following
information :-
 
1. "1999 some lenders made blanket requests to Land Registry to
     retain their charge certificates."
 
     Q1, What are the names of the lenders that made these blanket
     requests?
 
     2. " These requests were limited to specific mortgage
     products and generally related to charges (i.e. mortgages) created
     after a specified date. "
 
     Q2, Would you please clarify what products?
 
     3. "This process was commonly known as 'dematerialisation'."
 
     Q3, I thought that dematerialisation did not come into effect until
     the 13th October 2003? Please clarify.
 
     4. " This form of dematerialisation ended on 13 October 2003 with
     the abolition of land and charge certificates."
 
     Q4, If dematerialisation did not come into effect until 13th
     October 2003, what was the previous dematerialisation that you have
     referred to and what was the purpose of doing this?
 
     5. "The first lender to request the retention of its charge
     certificates under section 63 of the Land Registration Act 1925 was
     Nationwide Building Society."
 
     Q5, Did Birmingham Midshires request the retention of its charges
     certificates under section 63 of the Land Registration Act 1925? If
     so, when did this commence?”
 
Your request is being dealt with under the terms of the Freedom of
Information Act 2000 and will be answered within twenty working days. 
In some circumstances a fee may be payable and if that is the case, I will
let you know. A fees notice will be issued to you, and you will be
required to pay before we will proceed to deal with your request.
If you have any queries about this letter, please do not hesitate to
contact me. 
Yours sincerely,
 
Freedom of Information Officer
Corporate Legal Services
Land Registry Head Office, 4th Floor, Trafalgar House, 1 Bedford Park,
Croydon, CR0 2AQ

==========================================================================================================
From:   STEFAN [[FOI #157471 email]]
Sent:   17 April 2013 18:45
To:     Sondh, Gurmale
Subject:        Re: Freedom of Information Act             (our ref
:-Stefan-160413)
 
     Dear Land Registry,
 
     Thank you for your response.
 
     Would you please respond to the following?
 
     1. "1999 some lenders made blanket requests to Land Registry to
     retain their charge certificates."
 
     Q1, What are the names of the lenders that made these blanket
     requests?
 
     2. " These requests were limited to specific mortgage
     products and generally related to charges (i.e. mortgages) created
     after a specified date. "
 
     Q2, Would you please clarify what products?
 
     3. "This process was commonly known as 'dematerialisation'."
 
     Q3, I thought that dematerialisation did not come into effect until
     the 13th October 2003? Please clarify.
 
     4. " This form of dematerialisation ended on 13 October 2003 with
     the abolition of land and charge certificates."
 
     Q4, If dematerialisation did not come into effect until 13th
     October 2003, what was the previous dematerialisation that you have
     referred to and what was the purpose of doing this?
 
     5. "The first lender to request the retention of its charge
     certificates under section 63 of the Land Registration Act 1925 was
     Nationwide Building Society."
 
     Q5, Did Birmingham Midshires request the retention of its charges
     certificates under section 63 of the Land Registration Act 1925? If
     so, when did this commence?
 
     Thank you,
 
     Yours sincerely,
 
     STEFAN
 
    

dangos adrannau a ddyfynnir

Sondh, Gurmale, Land Registry

Dear Stefan,
 
Thank you for your email dated 17 April 2013 raising five 5 further
questions and I respond to each one in the same numbering order as 
follows :-
 
1."1999 some lenders made blanket requests to Land Registry to retain
their charge certificates.
 
Q (1) What are the names of the lenders that made these blanket requests?
 
We have been able to identify the following lenders:
 
Birmingham Midshires Mortgage Services Limited
Black Horse Limited
Black Horse (TRF) Limited
Bristol & West PLC
Cheltenham and Gloucester PLC
Citifinancial Europe PLC
Derbyshire Building Society
Halifax PLC (Birmingham Midshires, Secured Personal Laon, Intelligent
Finance and St. James’s Place Bank divisions only
HSBC Bank Middle East
HSBC Bank PLC
HSBC republic Bank (UK) Limited
Nationwide Building Society
Nationwide Trust Limited
Paragon Personal Finance Limited
Portman Building Society
Stroud and Swindon Building Society
Stroud and Swindon Mortgage Company Limited
Sun Bank PLC
Woolwich PLC
 
2. " These requests were limited to specific mortgage products and
generally related to charges (i.e. mortgages) created after a    specified
date. "
 
Q (2) Would you please clarify what products?
 
Dematerialisation was only possible for certain approved forms of mortgage
deeds. We would have to obtain a number of files to obtain this
information. Searching all those files that might contain relevant
information to determine whether the Department holds any information
relevant to your request will exceed the appropriate limit laid down in
the regulations. I must inform you that Land Registry is unable to comply
with this request. Section 12 of the Freedom of information Act relieves
public authorities of the duty to comply with a request for information if
the cost of dealing with it would exceed the appropriate limit. The
appropriate limit has been specified in regulations and for central
Government is set at £600. This represents the estimated cost of one
person spending three and half working days in determining whether the
Department holds the information, and locating, retrieving and extracting
it.
 
3. "This process was commonly known as 'dematerialisation'."
 
Q (3) I thought that dematerialisation did not come into effect until the
13th October 2003? Please clarify.
 
As previously explained, it was always possible under section 63 of the
Land Registration Act 1925 for registered owners to request that Land
Registry hold their land and charge certificates on deposit.
Dematerialisation effectively began in 1999 when Nationwide Building
Society made a blanket request for new charge certificates to be retained
on deposit. This was a notional retention as no charge certificates were
actually created.
 
Land and charge certificates were abolished on 13 October 2003 when the
Land Registration Act 2002 came into force.
 
4. " This form of dematerialisation ended on 13 October 2003 with the
abolition of land and charge certificates."
 
Q (4) If dematerialisation did not come into effect until 13^th October
2003, what was the previous dematerialisation that you have referred to
and what was the purpose of doing this?
 
See response to Q3 above.
 
5. "The first lender to request the retention of its charge certificates
under section 63 of the Land Registration Act 1925 was Nationwide Building
Society."
 
Q (5) Did Birmingham Midshires request the retention of its charges
certificates under section 63 of the Land Registration Act 1925? If so,
when did this commence?
 
Birmingham Midshires Mortgage Services Limited made a request for the
retention of its charge certificates under section 63. Birmingham
Midshires Building Society became a division of Halifax plc – see Q1.
We would have to obtain files for this information but note that the
appropriate limit set £600 will exceed as explained in question 2.
 
Yours sincerely,
 
Freedom of Information Officer
Corporate Legal Services
Land Registry Head Office, 4th Floor, Trafalgar House, 1 Bedford Park,
Croydon, CR0 2AQ

========================================================================================================
From:   STEFAN [[FOI #157471 email]]
Sent:   17 April 2013 18:45
To:     Sondh, Gurmale
Subject:        Re: Freedom of Information Act             (our ref
:-Stefan-160413)
 
     Dear Land Registry,
 
     Thank you for your response.
 
     Would you please respond to the following?
 
     1. "1999 some lenders made blanket requests to Land Registry to
     retain their charge certificates."
 
     Q1, What are the names of the lenders that made these blanket
     requests?
 
     2. " These requests were limited to specific mortgage
     products and generally related to charges (i.e. mortgages) created
     after a specified date. "
 
     Q2, Would you please clarify what products?
 
     3. "This process was commonly known as 'dematerialisation'."
 
     Q3, I thought that dematerialisation did not come into effect until
     the 13th October 2003? Please clarify.
 
     4. " This form of dematerialisation ended on 13 October 2003 with
     the abolition of land and charge certificates."
 
     Q4, If dematerialisation did not come into effect until 13th
     October 2003, what was the previous dematerialisation that you have
     referred to and what was the purpose of doing this?
 
     5. "The first lender to request the retention of its charge
     certificates under section 63 of the Land Registration Act 1925 was
     Nationwide Building Society."
 
     Q5, Did Birmingham Midshires request the retention of its charges
     certificates under section 63 of the Land Registration Act 1925? If
     so, when did this commence?
 
     Thank you,
 
     Yours sincerely,
 
     STEFAN
 
    

dangos adrannau a ddyfynnir

Dear Land Registry,

Please pass this on to the person who conducts Freedom of Information reviews.

I am writing to request an internal review of Land Registry's handling of my FOI request 'Dematerialisation of paper Deeds'.

I have some of the information that I requested, however, I was informed that the rest of the information can not be provided because Section 12 of the Freedom of information Act relieves public authorities of the duty to comply with a request for information if the cost of dealing with it would exceed the appropriate limit. The appropriate limit has been specified in regulations and for central Government is set at £600.

I do not think my request for information is an unreasonable one and I do not understand why it would take in excess of 3.5 days for one member of Staff to access the information from the Land Registry archives.

A full history of my FOI request and all correspondence is available on the Internet at this address:
http://www.whatdotheyknow.com/request/de...

Yours faithfully,

STEFAN

Sondh, Gurmale, Land Registry

Dear Stefan,

Thank you for your email dated 1 May 2013 22:23 requesting an internal review in respect of our response dated 1 May 2013 to your request concerning 'Dematerialisation of paper Deeds'. The matter will be referred to one of the Lawyers in the team and you should be hearing from us soon.

Yours sincerely,

Freedom of Information Officer
Corporate Legal Services
Land Registry Head Office, 4th Floor, Trafalgar House, 1 Bedford Park, Croydon, CR0 2AQ

====================================================================================================

dangos adrannau a ddyfynnir

Brophy, Mary, Land Registry

1 Atodiad

Dear Mr [last name of requester removed]
 
Internal review of Freedom of Information Act 2000 request –
dematerialisation of charges
 
Your email dated 1 May 2013 requesting an internal review of the decision
not to provide information relating to questions 2 and 5 of your original
request dated 17 April 2013 has been passed to me for reply. I am a lawyer
in the Corporate Legal Services team at Land Registry, Head Office which
oversees Freedom of Information Act 2000 (FOI) requests.
 
On 17 April 2013 you lodged the following request for information
consisting of 5 questions:
 
1. "1999 some lenders made blanket requests to Land Registry to retain
their charge certificates."
 
Q1, What are the names of the lenders that made these blanket
     requests?
 
2. " These requests were limited to specific mortgage products and
generally related to charges (i.e. mortgages) created
     after a specified date. "
 
Q2, Would you please clarify what products?
 
3. "This process was commonly known as 'dematerialisation'."
 
Q3, I thought that dematerialisation did not come into effect until the
13th October 2003? Please clarify.
 
4. " This form of dematerialisation ended on 13 October 2003 with the
abolition of land and charge certificates."
 
Q4, If dematerialisation did not come into effect until 13^th October
2003, what was the previous dematerialisation that you have
     referred to and what was the purpose of doing this?
 
5. "The first lender to request the retention of its charge certificates
under section 63 of the Land Registration Act 1925 was
     Nationwide Building Society."
 
Q5, Did Birmingham Midshires request the retention of its charges
certificates under section 63 of the Land Registration Act 1925? If so,
when did this commence?
 
Our FOI officer responded to questions 1, 3 and 4 of your request on 1 May
2013, however, the information requested within questions 2 and 5 was not
provided at that time. This is because our FOI officer had been advised
that the relevant information was held in a significant number of files
that were not held on site and that the cost of locating and retrieving
the information from the numerous files was likely to exceed the statutory
costs limit of £600. In the circumstances our FOI officer did not provide
the information relating to questions 2 and 5 and relied on section 12(1)
of the FOI which provides that a public authority is not obliged to comply
with a request for information if the authority estimates that the cost of
complying with the request would exceed the appropriate limit, currently
£600 for central government. I can confirm that I have carried out a
review of this matter and on the basis of the information I have seen (and
which has subsequently come to light) I have decided that the costs limit
referred to will not be exceeded and the request contained within
questions 2 and 5 will now be answered.
 
In relation to question 2 I attach an excel spreadsheet showing the names
of the various lenders, the date those lenders dematerialised (where
known), the dematerialised mortgage deed references and details of the
relevant mortgage products. 
 
In relation to question 5, Birmingham Midshires Building Society did not
dematerialise its charges, however, please refer to the spreadsheet for
information relating to Birmingham Midshires Mortgage Services Limited and
Halifax Plc (Birmingham Midshires). Birmingham Midshires Building Society
vested in Halifax Plc on 19 April 1999, which was prior to the first
lender (Nationwide Building Society) dematerialising its charges.
 
Please note that the information provided has been collected from a
variety of sources as part of the land registration process. While we make
every effort to ensure that the data we provide is accurate we cannot
guarantee it is fit for your intended purpose or use. It is also subject
to Crown copyright and there may be other publication restrictions. This
means that if you intend to publish or quote from the data supplied you
must let us know in advance of publication.
 
This concludes my review in respect of this matter.
 
If you are not content with the outcome of the internal review, you have
the right to apply directly to the Information Commissioner within two
months of this reply for a decision. The Information Commissioner can be
contacted at: Information Commissioner’s Office, Wycliffe House, Water
Lane, Wilmslow, Cheshire, SK9 5AF.
 
Yours sincerely
 
Mary Brophy
Lawyer, Corporate Legal Services
Land Registry Head Office, Croydon
 
 
 
 
 
 
 
 
 
 
 

Land Registry is the definitive source of information for more than 23
million property titles in England and Wales. Since 1862 we have provided
security and confidence in one of the most active property and mortgage
markets in the world. We are working to support economic growth and data
transparency as part of the Public Data Group. Find out more at
www.landregistry.gov.uk

If you have received this e-mail and it was not intended for you, please
let us know, and then delete it. Please treat our communications in
confidence,
as you would expect us to treat yours. Land Registry checks all mail and
attachments for known viruses, however, you are advised that you open any
attachments at your own risk.

dangos adrannau a ddyfynnir

Communications via the GSi may be automatically logged, monitored and/or
recorded for legal purposes.