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Feedback appreciated!
In Nov 2023 we bought a house. The seller had a mortgage with Santander. We bought with out a mortgage. Bank representative was not present at the notary. Purchase tax has been paid and all other associated costs. Solicitor (well known and respected) keeps chasing Santander to remove charges via "certificate" from the deeds. In April the seller came to the bank to sign a document back dated to November 2023 saying the mortgage has been settled (paid off in full). Santander told solicitor, who told us, since March 2024 that they will get certificates done and remove the charges from the title (nota simpla). Then we are told on the 7th June 2024 the bank will sign the certificates. This has not happened, the guy with delegated authority is now on hols until the end of June 2024.
We cannot file "reclamaciones" with Santander, as are not customers and so have no relationship with them. It appears that we could go to the regulator (Banco de Espana) and file the reclamacion with them. I told on our visit to Santander local branch that this smells like fraud to me and I am thinking of calling the Police. The guy there is indifferent.
What do you think? Are we being scammed, as there is still charge on the property? I asked the solicitor many times on what is the process, given the seller had a mortgage, but had no answer, or at least clear and concise one, reflecting the actual process or anywhere near.
Should I call "bobbies"?
In Nov 2023 we bought a house. The seller had a mortgage with Santander. We bought with out a mortgage. Bank representative was not present at the notary. Purchase tax has been paid and all other associated costs. Solicitor (well known and respected) keeps chasing Santander to remove charges via "certificate" from the deeds. In April the seller came to the bank to sign a document back dated to November 2023 saying the mortgage has been settled (paid off in full). Santander told solicitor, who told us, since March 2024 that they will get certificates done and remove the charges from the title (nota simpla). Then we are told on the 7th June 2024 the bank will sign the certificates. This has not happened, the guy with delegated authority is now on hols until the end of June 2024.
We cannot file "reclamaciones" with Santander, as are not customers and so have no relationship with them. It appears that we could go to the regulator (Banco de Espana) and file the reclamacion with them. I told on our visit to Santander local branch that this smells like fraud to me and I am thinking of calling the Police. The guy there is indifferent.
What do you think? Are we being scammed, as there is still charge on the property? I asked the solicitor many times on what is the process, given the seller had a mortgage, but had no answer, or at least clear and concise one, reflecting the actual process or anywhere near.
Should I call "bobbies"?