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Hello and thanks for using Just Answer.
I am Al and am happy to assist you with your enquiry.
If there is only 1 debt, then they should only have registered 1 Restriction. Therefore, if the 2nd/3rd Restriction are for this one debt, you should ask Natwest to remove these duplicates.
You can have a look at your title, called Official Copies, from the Land Registry website-the Restrictions are shown in the Charges Register.
Link to the website- https://www.gov.uk/search-property-information-land-registry
I hope this assists and answers your question.
Hi, thank you for pointing me in the right direction. Can I ask you to take a look. at the register. The registered charge by JP Morgan 2006 (our mortgage company unfortunately) is it normal for a mortgage company to do this? The charges with Natwest, initially it was for an overdraft (joint names) and a personal loan my husband had. Would this explain the two charges on the property? If they are chasing me for the whole debt can I ask for one of the charges to be removed?
Hi Stuart and Julie,
Thanks for your reply.
I am afraid the Restrictions are all as I would expect. Most Mortgage Lenders place a Restriction on the title- it basically is there to stop you taking out another second Mortgage without their consent. So the Restriction in favour of JP Morgan is normal.
The 2 Restrictions in favour of Natwest are also normal. As it was a joint debt, they have to register a Restriction for each of you. So, although there are 2 Restrictions, it is only referring to the one debt you both you.
I hope this helps you and clarifies the position.