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Electoral Roll Question [Updated]

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The property where my fiancee is staying (with family) did not register her on the electoral roll, I have tried to find out the legal obligations here but having little luck. I've read on such counci… Read More
awoodhall2003 Avatar
7y, 2m agoPosted 7 years, 2 months ago
The property where my fiancee is staying (with family) did not register her on the electoral roll, I have tried to find out the legal obligations here but having little luck.
I've read on such council websites that there is a legal obligation but it seems only in relation to the person who receives the registration form to complete it correctly, not on the individual.

The problem it is causing is that our mortgage lender application wants to know why she is not registered on the electoral roll. Yet we assumed she was as the last registration would have been in autumn last year when she was there.

I have tried to phone the local Councils Department but they are very busy and not accepting calls atm!

Any help would be greatly appreciated.
awoodhall2003 Avatar
7y, 2m agoPosted 7 years, 2 months ago
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banned#1
so what do you actually want to know? yes whoever filled in the form is obliged to fill in all people who are of age? as to what you can now do i dont know, apart from speak to your local council
#2
sassie
so what do you actually want to know? yes whoever filled in the form is obliged to fill in all people who are of age? as to what you can now do i dont know, apart from speak to your local council


Well is there a legal obligation on the individual or not?
Does the legal obligation only extend as far as the addressed person on the registration card?
What can we tell our mortgage lender to assure them?

And local council have asked me to email them or try again later. :x Where I need to get this sorted ASAP.
#3
awoodhall2003
Well is there a legal obligation on the individual or not?
Does the legal obligation only extend as far as the addressed person on the registration card?
What can we tell our mortgage lender to assure them?

And local council have asked me to email them or try again later. :x Where I need to get this sorted ASAP.


It is a legal obligation to register at whatever is your normal address.
If she has not registered she can contact local council to get registered. But it may affect credit rating and other things in the meantime.
And she may have already lost the oportunity to vote
#4
awoodhall2003
Well is there a legal obligation on the individual or not?
Does the legal obligation only extend as far as the addressed person on the registration card?
What can we tell our mortgage lender to assure them?

And local council have asked me to email them or try again later. :x Where I need to get this sorted ASAP.


yes m8-addressed person on the registration card has the LEGAL responsibility-i.e. when the card comes addressed to me,if I dont include mrs barky,then its ME has broken the law-not her.
banned#5
awoodhall2003
Well is there a legal obligation on the individual or not?
Does the legal obligation only extend as far as the addressed person on the registration card?
What can we tell our mortgage lender to assure them?

And local council have asked me to email them or try again later. :x Where I need to get this sorted ASAP.


get her registered now, i know its late but still do it https://www.aboutmyvote.co.uk/register_to_vote/electoral_registration_applica.aspx

dont know if it will help, sorry
#6
WoolyM
It is a legal obligation to register at whatever is your normal address.
If she has not registered she can contact local council to get registered. But it may affect credit rating and other things in the meantime.
And she may have already lost the oportunity to vote

But she needs to be registered for the time she was living there, not now as we have our mortgage pending...thus going on it now would make no difference to our situation. She has lost her voting right, but that is not the main concern here.

barky
yes m8-addressed person on the registration card has the LEGAL responsibility-i.e. when the card comes addressed to me,if I dont include mrs barky,then its ME has broken the law-not her.

That is what I read into it as well, cheers barky!
Our IFAs Assistant worded it as such that she had broken the law, which I didnt think was correct thus I had to try and look it up.
#7
sassie
get her registered now, i know its late but still do it https://www.aboutmyvote.co.uk/register_to_vote/electoral_registration_applica.aspx

dont know if it will help, sorry


Nah as I put above, if she gets put on the roll it will take at least a few days to a week to be found on it. The mortgage lender wants to accept or decline our application before the end of the week, and then we will be moving out within a couple of weeks.
Cheers anyway sassie. :thumbsup:
#8
awoodhall2003
But she needs to be registered for the time she was living there, not now as we have our mortgage pending...thus going on it now would make no difference to our situation. She has lost her voting right, but that is not the main concern here.


That is what I read into it as well, cheers barky!
Our IFAs Assistant worded it as such that she had broken the law, which I didnt think was correct thus I had to try and look it up.


Only thing you can do then is explain or try another mortgage provider but start by telling them of the issue before they find it for themselves
banned#9
awoodhall2003
Nah as I put above, if she gets put on the roll it will take at least a few days to a week to be found on it. The mortgage lender wants to accept or decline our application before the end of the week, and then we will be moving out within a couple of weeks.
Cheers anyway sassie. :thumbsup:


could your financial provider not offer any advice, care you able to take the mortgage on by yourself until this is sorted, not being much help, sorry

you could try the number on this page, as its free http://www.aboutmyvote.co.uk/contact.aspx
#10
WoolyM
Only thing you can do then is explain or try another mortgage provider but start by telling them of the issue before they find it for themselves

Nah we cant, our reservation on the property actually expires tomorrow but we have contacted them and they have allowed us an extra week. Furthermore, this provider is the only one basically who will do what we need and want.

sassie
could your financial provider not offer any advice, care you able to take the mortgage on by yourself until this is sorted, not being much help, sorry

Nah they just passed on to us that they required it. Fiancee is ringing them shortly and telling them the position and hoping they can just say the same to our provider. Although they have asked for a written letter with reasoning, but that is time consuming in our week extension before the reservation expires.
A little bit of help is better then none! ;-)
#11
Ma\ybe she will be able to prove she has been there by utility bills/payslips. If not then its gonna be an expensive lesson to learn.
Seems everything needs to be recorded these days
#12
WoolyM
Ma\ybe she will be able to prove she has been there by utility bills/payslips. If not then its gonna be an expensive lesson to learn.
Seems everything needs to be recorded these days


No utility bills as living with family, we have already provided payslips and bank statements from last year to show she was living there. But seems they are either being extra cautious or being picky! To be honest worse case scenario if it all falls through we have lost £300 reservation fee nothing more, the IFA only gets pays if and when we are in the property, the solicitor only gets paid the day before exchange of contracts.
Just obviously we lose the property!
banned#13
awoodhall2003
Nah we cant, our reservation on the property actually expires tomorrow but we have contacted them and they have allowed us an extra week. Furthermore, this provider is the only one basically who will do what we need and want.


Nah they just passed on to us that they required it. Fiancee is ringing them shortly and telling them the position and hoping they can just say the same to our provider. Although they have asked for a written letter with reasoning, but that is time consuming in our week extension before the reservation expires.
A little bit of help is better then none! ;-)


get a letter written now, explain your reasons and any proof whatsoever to who she is, from cc bills to bank statements, and hand deliver it the provider, explain that time is of the essence, cant believe you IFA has offered you little help
#14
sassie
get a letter written now, explain your reasons and any proof whatsoever to who she is, from cc bills to bank statements, and hand deliver it the provider, explain that time is of the essence, cant believe you IFA has offered you little help


Yeah they have all payslips from her current job, most of the payslips from her previous job, bank statements of the last 6 months, p45 from last year, credit agreements, mobile phone bill etc.
Well IFA has not heard the reasons yet and I suppose until then they cant provide any solution as they would have assumed she would be on it, likewise we did!
Our providers closest location is over 10miles away and without a car makes it very difficult to hand deliver. Furthermore, we have not had any direct contact with them as our IFA got us the deal, we could not get it directly.

But we shall be on the case every day from now as can't believe its taken so long for them to get their ass in gears. It is our providers fault not the IFA, they have been great, keep us updated constantly. But our provider took 2 weeks just to send through the mortgage outline!
#15
UPDATE: IFA has informed our lender of the situation and the fact that it was only ever a temporary living arrangement thus should be fine. They have had their valuation done and thus the IFA is pushing for them to confirm if they are happy to offer the mortgage formally or not! Hopefully the former!

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