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Is your property protected against fraud? By Clive Janes, CRJ Lettings Scammers are getting increasingly sophisticated and property is targeted due to the high transactional values. You may be aware of ‘phishing’, whereby fraudsters impersonate your solicitor to try and intercept the transfer of funds into their own pockets. But have you considered the fraudsters who attempt to impersonate you?! Property title fraud has been on the increase. In simple terms, this is where a fraudster targets properties that they can sell or mortgage by impersonating the registered owner. Buy-to-let properties without a mortgage are ideal, as the owner won’t live at the property and there won’t be a mortgage company double-checking things. As title deeds are a publicly available document (they cost £3 to download online), it is very easy for anyone to get the name of the owner of a property. The title deed will also show whether there is a ‘charge’ against the property i.e. a mortgage. With this information the fraudster, who typically poses as a tenant, will simply change their name by deed poll to match the property owners name. Now living at
the property with the same name as the true owner, it becomes very easy to build up identification documents and paperwork that would see that person passed off as the ‘owner’.
That’s exactly what has happened in recent cases, with one fraudulent tenant selling a property without the landlord even knowing! Another case saw a previously unencumbered property in London become subject to a £1.2million bridging loan, which was paid out to a mother and daughter who had changed their name to match the registered owners. Fortunately, there is a solution to this; which is to enter a restriction on your title deed. This will then state that any application to change the register must be accompanied by a solicitor’s certificate verifying your identity as that of the legal owner. This can cause a slight delay when you actually want to sell or mortgage your own property, but that’s surely better than falling victim to this serious crime. www.crjlettings.co.uk email: clive@crjlettings.co.uk or telephone: 01243 624 599
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