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Buying a house-solicitor's enquiries-what does this mean?

7 replies

Fivetimes · 29/04/2021 19:45

I am in the process of buying my first house with a mortgage and my solicitor has raised enquiries with the seller's solicitor. One of the enquiries is:
"We note the Title Register at C1 refers to general vesting declaration dated 22 September please provide a copy or provide a missing deeds indemnity policy for our approval."

Does anyone know what this means? I don't understand it.

OP posts:
MaizeBlouse · 29/04/2021 19:48

It's basically like 'a form regarding the title register is missing, please send the copy or the seller has to pay for a special type of insurance to cover the missing paperwork'

Tbh most of the stuff they send is total mumbo jumbo and it drags on for weeks and weeks!

NavigatingAdolescence · 29/04/2021 19:49

Means the local authority have the right to buy it back, I believe.

Fivetimes · 29/04/2021 19:51

When I googled general vesting declaration, it seemed to be something to do with compulsory purchase orders by the local authority, which then got me worried that the house was going forcibly purchased... Is this a standard enquiry?

OP posts:
PurBal · 29/04/2021 20:01

It's standard in as much your conveyancer is doing their job to make sure the property is what is says it is in the title. It wouldn't worry me at all. If it was something serious, they would flag it with you. But if you have questions, ask your solicitor. You are paying them.

MarmaladeTeepee · 30/04/2021 05:45

It means some paperwork is missing from back in the day. We've just sold our property and the 1951 deeds have gone missing (they were missing when we bought the house too) we've just had to pay £85 isurance on it (arranged through our solicitor so probably cost more but wanted it dealt with quickly). Your seller will be responsible for paying for it.

BlueLobelia · 30/04/2021 05:58

what everyone else said and it means your solicitor is doing their job properly!

Indemnity insurance for missing documents etc is also very standard practice. It exists for all sorts of things including chancel repairs (the bit in a 100s of years ago deeds that may make you liable for paying for the upkeep of the local church) etc.

Be guided by your solicitor and definitely do not be afraid of asking them the questions for anything you are not sure about- it's their job to tell you, but as i know sometimes when professionals deal with this as their bread and butter they forget that it is not obvious to their client!

Good luck with your new house. :)

CasperGutman · 30/04/2021 06:48

It means your solicitor has looked at the Title Register I formation the Land Registry holds for the property, and somewhere in there (section C1, most likely) it refers to some other document called a "General Vesting Declaration". From what others have said, it sounds like this may relate to the Local Authority having sold the property in the past and retaining some right or option to buy it back.

Your solicitor has asked the seller to supply this document or, if it's missing, provide you with indemnity insurance to cover any costs you face due to this missing document

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