Mortgage strike off and indemnity education, administration and technical support services

Access our online education platform to learn why your mortgage (if set up after 1989) is probably a void nullity at law. Learn how you could have it struck off at HM Land Registry and how to qualify for an indemnity compensation payout. Access the platform via our "Free Education" link.

THE MORTGAGE CONTRACT

Mortgage offer contracts are legally void unless they are drafted and executed in compliance with UK contract law.

 

Reasons mortgages don't comply:

Lenders do not provide consideration (a contract requirement).

The terms and conditions are not individually negotiated.

The terms and conditions are often not contained in the contract.

The contract is not executed by attestation signature of the borrower and 2 authorised signatories of the lender.

The contract is executed by true signature of the borrower, but with a forged signature from the lender.

POWER OF ATTORNEY (POA)

Lenders and conveyancers rely on a Power of Attorney (POA) clause contained in the mortgage offer contract or in a separate document that outlines the mortgage terms and conditions.

Without a compliant POA, neither the lender or conveyancer have powers to execute any Deed or take any action on the mortgagor's behalf.

1. The POA is not executed as a stand-alone deed.

2. The POA is not attested by signature of the donor of the powers (borrower) and or the attestation by signature of the attorney (lender).


3. The POA is not independently witnessed.

THE MORTGAGE DEED

The mortgage Deed is a critical aspect of the mortgage as it is relied on to register a legal charge over the property at

HM Land Registry.

The mortgage Deed is signed by the borrower on an undated Deed.

The conveyancer subsequently adds a date at a later time and different place and witnesses the Deed.

The Deed is void as it was not signed and witnessed by the lender at the same time as the borrower.

The date on the mortgage Deed pre-dates the borrower's ownership of the property. But, the borrower has no proprietary rights over property before they own it.

The Deed is void as no one can provide a charge over a property before they become the owner of the property.

HM LAND REGISTRY

If you have a void mortgage, it can be struck off at The Land Registry as a mistake occurred in the register.

 

If you have a void mortgage or have ever had a void mortgage, you are entitled to compensation from the Land Registry for all your losses.

 

The Land Registry pays out a sum equivalent to all interest and principal payments made by you to the lender, plus interest.

YOUR RIGHTS AT LAW

If your mortgage is void, you are entitled to make a claim to strike off your mortgage and claim Indemnity compensation at HM Land Registry.

 

This involves presenting evidence to HM Land Registry that a mistake in the Register took place when your mortgage was registered.

 

Successful claims are made possible by evidencing that the mortgage was a void disposition from the outset. 

GET FREE EDUCATION

View our free ebooks and request access  to our free education platform where you will find a comprehensive selection of legal statutes and case precedents that are used to evidence why the vast majority of mortgages are void from the outset.

The legal statutes and case precedents have already proven successful in 2019 with multiple mortgages struck off the register and claims for indemnity compensation made.

 

Contact Us 

Tel:01372 610 073    Admin@mortgagefree.info

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