I declared myself BR in May, and informed the OR during my interview that i had found somewhere else to live.
In september this year i had a letter from the OR that the 'beneficial interest and legal title' to the property now belongs to them.
In October, the company that i had a secured loan on the property got a possession order from the court. They are now in the process of obtaining a 'warrant for possession'.
During my interview the with the OR back in June, i asked whether i had to continue to pay for building insurance and was told that i did not have to.
Was this advice correct? If not, where can i get insurance for a house that no one lives in? How long does it take for the process of obtaining a warrant for possession and actually obtaining the property (on average)?
It's a tricky situation. I spoke to the OR again today and he basically told me that i am liable for the property but then again i am not because of the following;
I returned the keys along with a surrender of keys document to my mortgage company by recorded delivery. They admit receiving the keys and forms but lost them in the internal post system. They sent me a new form and an envelope to send again which i did and they said they have not received it. Since then the company i had a secured loan with has been granted a possession order at court and are in the process of applying for a 'warrant for possession.
Today the OR said that i had done everything reasonable possible in trying to get the keys to the mortgage company and that the house is their responsibility technically.
Having spoken to the mortgage company today, they want me to fax them another copy of the surrender of keys agreement. Is this the correct action for me to take? Would there be any comebacks with the secured loan company or the OR?