Good piece of research there Tim, thanks for that.(posted 8494 days ago)As I understand it - and I am open to correction on this - a Charge Certificate is a record of the fact that somebody else has a "charge" or "right" over this property. If you are still paying off your mortgage, then that charge is because the mortgage lender still owns the property in reality.
Charges can also be placed on unmortgaged properties by people who have convinced the courts that the property owner owes them money. This is one reason why people wo have bought a property after being repossessed should weigh up the risks involved with challenging a lender to take them to court.
As far as I understand it, not all properties have a copy of the mortgage deeds attached to their Land Registry entry. As I understand it, this is most likely to be true of properties that were bought before the mid-1990s.
So you should continue to ask the lender to supply the mortgage deed.
Lee