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    • i suspect the charge on the Land registry site against the house reads:   2. (XX.XX.2007) RESTRICTION: No disposition of the registered estate is to be completed by registration without a certificate signed by the applicant or his conveyancer that written notice of the disposition was given to XX Council at P.O. Box XX, STREET, TOWN, POSTCODE, being the person with the benefit of a Charge under Section 22 of the Health and Social Services and Social Security Adjudications Act 1983.   ..............   that is a restriction k and is useless to the council, as all 'legally' your have to do is inform them AFTER the house has been sold . then it's too late money has gone.   dx
    • I have got a copy of the charge. The Land Registry responded to say that the document attached to the RX1 was as follows. The A4 document headed 'Health and Social Services and Social Security Adjudications Act 1983 and National Health Service and Community Care Act 1990' is a statutory charge. However as the person concerned (your late father) was one of joint proprietors of the property, the charge could not be registered or noted. Instead it was protected by registration of a restriction.   This is a statutory charge that has arisen under section 22 of the Health and Social Services and Social Security Adjudications Act 1983.   Unfortunately the Land Registry blog was discontinued on 30 June 2020 [I only found out today!] they're waiting for a new platform which could take a few weeks - so I haven't been able to obtain any other advice, other than what I found in the Hardwick and co website today which stated that S22 of HASSA had been repealed and stated that    After 1 April 2015 a Local Authority will only be able to recover unpaid care home fees by securing a judgment debt either in the County Court or the High Court (s69(1) of the Act). and The Act increases the time limit for the recovery of a debt comprising of unpaid care home fees from three years to six years from the date the sum becomes due   hence I thought that as the fees had not been paid and more than 3 years had elapsed that perhaps the charge was no longer extant?    If the restriction is such that the CS only has to notify the council [and there's no restriction on me selling] then I thought the sale could proceed while I continue to battle it out with the council. Who haven't been in touch now since 2016.   This is all very complicated - I'm sure it could be simplified!!   Thank you      
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    • Thanks. Do I go to the bank and ask for this, or is this something I have to apply for outside the bank?     
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lisadp1970

Making a Subject Access Request

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Hello

I need to make a Subject Access Request to NRAM regarding the house repossession we went through back in 2011.

I've looked on their website and it's very vague what I need to include. The mortgage and property was joint with my ex husband so does he have to agree to me doing this?

I need these details urgently as my local council won't let me go on their housing register until I can prove the house was repossessed and not sold for profit.

 

Thanks for any help

Lisa

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The new GDPR regime comes in force on 25 May. Unless it is screamingly urgent, we would recommend that you wait until then. The deadline for making the disclosure is 10 days earlier and also it costs nothing.

 

We will be publishing a new template on that date.


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Thank you, I might as well wait a few more weeks and save myself a tenner :-)

 

Would the following details be sufficient: -

My full name and D.O.B

My ex husbands full name and D.O.B

Address which was repossessed

Dates mortgage ran from/to

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I expect so – as long as the address you are using currently is the same as the address that they have on record. If it isn't then it could cause problems. For the first few months I expect most of these people to be on their best behaviour in terms of GDPR and so they may not cause too much fuss – but as they start to get used to it and they get slack, you will start to find that they will abuse it all – as usual


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