LIST OF PROPERTIES OR
CHARGES OWNED
(by Public Owners)
LIST OF PROPERTIES OR
CHARGES OWNED
(by Public Owners)
INTRODUCTION
and COPYRIGHT
ESTABLISHED
1998
ENGLAND & WALES UK LAND REGISTRY SERVICES
Also available for Scotland, N Ireland, Ireland, Isle of Man and Channel Islands
INTRODUCTION
This ebook is one of the Information Guidebooks available to
" Republic of Ireland
customers of UK Land Registry Services. All our Information
" Isle of Man
Guidebooks are provided free for educational purposes and
" Channel Isles
to provide detailed samples and illustrations of the content of
documents purchased by our customers and to show how the
information contained in them can be used.
This book deals with the following types of
Land Registry documents and searches
The documents provided by us relate to Land Registry,
Environmental, and other conveyancing documents. Due to
" List of Properties Owned by a company or
the ever-changing and improving information provided,
similar organization
updates to the guidebooks are provided regularly and once
the ebook is downloaded all future updates should occur
" List of Mortgages Owned by a company or
seamlessly in the background. They are provided free of
similar organization
charge to our customers. PDF versions of the guidebooks are
also available where the customer does not have a mac, ipad
or iphone.
Separate Guidebooks are available for:(
Roy McKee
CEO
UK Land Registry Services
" England and Wales
" Scotland
" Northern Ireland
Link to: UK LAND REGISTRY SERVICES
COPYRIGHT
NOTICE OF RIGHTS
(
All rights reserved. No part of this book may be reproduced or
transmitted in any form by any means, electronic,
mechanical, photocopying, recording, or otherwise, without
the prior written permission of the publisher. For information
on obtaining permission for reprints and excerpts, contact
[e-mail]
NOTICE OF LIABILITY
(
The information in this ebook is distributed on an  as is basis
without warranty. While every precaution has been taken in
the preparation of the ebook, neither the author nor UKLRS
Limited shall have any liability to any person or entity with
respect to any loss or damage caused or alleged to be
caused directly or indirectly by the contents or samples
contained in this ebook.
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LIST OF PROPERTIES OR
CHARGES OWNED
(by Public Owners)
CHAPTER 1
Property & Charge Lists
ESTABLISHED
1998
ENGLAND & WALES UK LAND REGISTRY SERVICES
Also available for Scotland, N Ireland, Ireland, Isle of Man and Channel Islands
LIST OF PROPERTIES/CHARGES
INTRODUCTION PRIVATE OWNERS
The Land Charges department of the Land Registry, located The list is not generally available to the public, although it is
in Plymouth, maintains an index of property owner s and available if certain criteria are met.
mortgagee s names, recorded against the respective
property s title number. The list is compiled from the records Where the properties owned are in the ownership of an
of each of the Land Registry offices located throughout individual then a search can be made to discover the title
England and Wales. numbers of all the properties owned but only by the following
per s ons :(
" The owner
" A person with the owner s written consent
" A person holding a Power of Attorney in favour of the
Chapter Contents
owner
1. Introduction
" A trustee on behalf of the owner
2. Private Owners
" A person having a court order authorising the search
3. Public Owners
" A trustee in bankruptcy of the owner
4. UKLRS Services:
" A personal representative of the deceased owner
1. Property Title Numbers and Addresses
2. Property Title Numbers, Addresses and Title
The Land Registry have recently introduced a further
Registers
requirement, in order to deter property and identity fraud, i.e.
3. Mortgage Title Numbers, Ownership & Title Registers
to provide proof of your identity by submitting the Land
Registry Form IOPN, which requires you to:
Link to: UK LAND REGISTRY SERVICES
" a current UK photocard full driving licence
" affix to it a recent passport sized photograph of yourself " and 2 of the following:
" to provide all your home addresses during the last 5 " utility bill less than 3 months old
years " council tax bill for the current year
" to supply one of the following documents: " mortgage statement for the last completed
" a copy of your valid passport biodata page, or mortgage year.
PUBLIC OWNERS
Public owners typically include:
Searches against a Mortgage Lender may reveal
thousands of Property Titles
" a company (public or private company)
" mortgage company
" local authority
" government department
" bank
" building society
" limited partnership
A search against any of the above does not require proof of
identity and is not limited as to who can carry it out.
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UKLRS SERVICES Sample List of Title Numbers and Property Addresses
Because of the variety of uses and huge variation in the
number of property titles likely to be revealed (from 2 to
hundreds of thousands) UKLRS offers several options:
OPTION 1 - PROPERTY TITLE
NUMBERS & ADDRESSES
This option is for customers wishing to know the addresses of
properties owned, as well as their Title Numbers. We provide:
" Spreadsheet either in Excel (Windows) or Numbers
(Mac) format
" Title Numbers of properties that are owned by the
organisation searched
This search is similar to Option 1 save that the Title Register
" Property Addresses for each of the properties owned
for each property is included.
" Spreadsheet either in Excel (Windows) or Numbers
OPTION 2 - PROPERTY TITLE
NUMBERS, ADDRESSES AND
(Mac) format
TITLE REGISTERS
" All Title Numbers of properties that are owned by the
organisation searched
" Property Address for each of the properties owned
" Title Register for each of the properties owned
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Link to: UK LAND REGISTRY SERVICES
information is sent to you at a time, and will be charged as
This search is similar to Option 1 save that the Title Register each spreadsheet is sent to you.
for each property is included.
OPTION 3 - LEGAL CHARGE
TITLE NUMBERS, OWNERSHIP
DETAILS AND TITLE REGISTERS
" Spreadsheet either in Excel (Windows) or Numbers
(Mac) format
" Title Numbers of legal charges that are owned by the
organisation searched
" Name of the Mortgagors (the persons owning the
property) and the addresses subject to the legal
charges
" Title Register for each of the properties charged
Sample List of Title Numbers and Mortgagor Details
In regard to Options 2 and 3 our service can be divided into
weekly outputs of information. You can decide how much
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LIST OF PROPERTIES OR
CHARGES OWNED
(by Public Owners)
CHAPTER 2
Using the Lists
ESTABLISHED
1998
ENGLAND & WALES UK LAND REGISTRY SERVICES
Also available for Scotland, N Ireland, Ireland, Isle of Man and Channel Islands
Using the Lists
LIST OF PROPERTIES OWNED
CHECKING A SPOUSE S
COMPANY ASSETS
During a divorce there will usually be an application for maintenance and a transfer of property. These proceedings
are ancillary to the main divorce hearing and are usually far
more involved.
Chapter Contents
Many spouses seek to hide their company s assets, or do not
" List of Properties Owned
divulge them to the full extent, and it can be difficult to present
" Spouse s company assets in matrimonial proceedings
or challenge evidence in court without full details of such
" Compiling a portfolio of your Company s properties
assets. Where the company assets comprise properties the
" Checking Properties prior to a buy-out or merger
holdings can easily be verified, and copies of the ownership
" Property Audit Trails
documents obtained, i.e. the Title Registers, which will
" List of Charges Owned confirm the ownership details and also state the purchase
price of the property and any mortgages or other third party
" Identifying property owners having mortgages from the
interests.
same lender
" Sub-Prime Mis-selling
" Credit Card Mis-selling
Link to: UK LAND REGISTRY SERVICES
COMPILING A PORTFOLIO OF
Documents Comprising a Company s
YOUR COMPANY S PROPERTY
Property Portfolio
HOLDINGS
You may wish to do this simply because you want all of your
Title documents in one place, easy to see at a glance and
simple to use for promotional purposes. Alternatively, you
MyAccount Control Panel showing Title
may need to do this because your property holdings are so
Documents forming part of the Portfolio
large that many of them have simply been forgotten about.
Your MyAccount control panel will enable you to keep all of
these documents in a safe and secure place, all together and
viewable (and printable) easily from any location whenever
you wish.
1. What to Look For when Examining these
Documents
We have acted for many large customers who have
discovered scores of properties owned by their company that
no one was any longer aware of.
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CHECKING PROPERTY
AUDIT TRAILS
OWNERSHIP PRIOR TO A BUY-
OUT OR MERGER
ISA Regulations 500 and 550 require auditors involved in
In a buy-out or merger of a property company it is imperative
property company audits to demonstrate compliance by
to check ownership of the properties it owns, looking for the
obtaining documentary evidence to:
following:
" establish ownership by the company of its property
" Address and title numbers of the properties
assets
" Ownership
" establish any third party rights
" Charges and mortgages
" establish the current and past value of the properties
" Third party interests
" Determine whether those values are likely to rise or fall
" Insolvency notices
" Check that the company s solvency is not fettered
" Unilateral notices
" Purchase price
Auditors cannot simply rely upon existing copies of Title
" Personal Covenants (although personal covenants do
Registers and will need up to date copies. Up to date copies
not run with the land, if you purchase a company,
will confirm that ownership has not changed and show the
ownership of the land does not change (just ownership
present position with regard to mortgages, charges, notices
of the company) and you will be bound by them)
and other third party rights. They will also show the purchase
" Other Covenants and Easements
price and whether any insolvency notices have been served.
" The tenure of the property (freehold or leasehold)
" The length remaining of the lease, if leasehold
UKLRS offer a separate Audit Search.
" Chief or ground rent payable
" The class of title (absolute, possessory, qualified)
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Link to: UK LAND REGISTRY SERVICES
LIST OF CHARGES OWNED
provided with all the information they require to identify
IDENTIFYING PROPERTY
ownership of the property subject to the mortgage and details
OWNERS HAVING MORTGAGES
of the charge itself.
FROM THE SAME LENDER
Documents provided when obtaining a List of
There are many reasons why solicitors and other property
Charges
professionals may wish to identify ownership of mortgages
that have been given. An example of this may be where sub-
prime borrowers have been obliged to purchase unnecessary
products as a condition of receiving their mortgage.
In such circumstances a solicitor may wish to approach
Sample Spreadsheet contaning relevant
borrowers to provide evidence in existing proceedings, or in
information
relation to a proposed class-action against the mortgagee.
SUB-PRIME MIS-SELLING
Many customers of UKLRS search against sub-prime lenders
CREDIT CARD MIS-SELLING
who have thousands of mortgages registered as 2nd, 3rd or
4th charges against the homes of mortgagors. This search
A further use of these lists is in identifying banks involved in
provides them with a formatted spreadsheet together with
the recently exposed scam of mis-selling credit card
copies of the relevant Title Registers which provide evidence
insurances. Many persons applying for credit or debit cards
of the charge and the property ownership. Thus they are
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Link to: UK LAND REGISTRY SERVICES
have been referred to a company selling card protection and
identity protection policies, which cost up to Ł84 a year, but in
fact are completely meaningless as insurance is not needed
for fraudulent transactions or stolen cards, as the customer is
not liable for these.
Those people bought with the thought they would be covered
for losses of up to Ł60,000 through identity theft when in fact
they were only covered for legal or administrations fees.
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Class Action
This is where a group of people collectively issue court proceedings against the same
person or company on behalf of themselves and a number of other people who are not
actually part of the proceedings.
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Sub-prime mortgages
A sub-prime mortgage is the general term used to identify the payment quality of a person who has
taken out a further mortgage on his property where his credit history has become weakened and is
assessed as having a greater risk of loan default than a prime borrower.
A person s credit rating is built up over time and if this is unduly low such a person may be
assessed as a greater risk. A sub-prime mortgage would be given in such circumstances, which
charges a higher rate of interest than that charged to a prime borrower..
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