In dealing with my financial affairs,

my solicitor advises of a second mortgage registered by Citi Financial.

The first one is Nat West which we are close to paying up.

The Citi one relates to a secured loan taken out in 1996 and which was paid up 2004/2005

but is still showing up as a mortgage against the property.

Unfortunately we have lost supporting paperwork

- so how easy is it to get this removed as it is important for us to move forward.

This was originally on my credit file and has since dropped off.

Can anyone help.

time for an sar then me thinks.

not sur which address mind

probably the Canadian square address

http://www.consumeractiongroup.co.uk/forum/showthread.php?4925-Citi-Cards-Address-***UPDATED-NOVEMBER-***/page2

They are not chasing any money.

I was considering the option of asking them just to discharge the mortgage and see how they respond before the SAR.

Should I do both to be sure.

if you can prove you paid it of yes sure

dx

Unfortunately I cannot prove it as lost all paperwork (we are going back 10yrs).

Maybe I should just request the discharge first to see how they respond.

I would expect the bank account used to pay it off will still have statements available via an sar.

Ok, as I understand a SAR to Citi would give details of the loan payments.

This should include the final payment and act as proof.

Is this a better option than an initial request for discharge (trying to save myself £10).

If they come back negative then a SAR is next

They are not chasing any money, and nothing is on the credit file, just that they have not discharged the mortgage.

I meant get the proof from the bank account that you used to clear citi loan with?

however, why not try a wild punt.

give the Canadian square lot a ring and ask.

they may just be able to look it up

and if that's the case

you can also ask why the charge is still showing and get it removed ot a letter sent to you

from citi that can be sent to land registry?

IMHO worth a punt?

dx

Ok thanks.

I will contact Canadian Square first.

I have made contact and told to write to office in Worthing.

Thinking ahead I have some questions:

What happens if they cannot find my details.

I think they sold/transferred loan business a few years after my last payment in 2004.

Again what happens if that business cannot be traced.

If no records how do I get the entry removed from the Land Registry which was placed in 1996.

Presumably if no records then no contract and therefore no evidence to support the entry.

I do not wish this to be a barrier to selling/remortgaging the house.

Anyone?

wont know till you try

dx

A result.

I actually sent a letter to Citi Complaints Handling at the London address.

They responded by email today to confirm form ESD1 has been sent and the charge has now been removed.

Has took about a week.

Thanks for your help; I think I worried unneedlessly.

hey great news

glad to help!