Prevent your house from being fraudulently sold without your knowledge - free alert service from government Land Registry
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Prevent your house from being fraudulently sold without your knowledge - free alert service from government Land Registry

229
Found 8th Jul 2018Edited by:"Newbold"
Probably about time for a reminder that this excellent service from the Land Registry exists - fraudulent transfers of property do happen regularly, but this alert system provides you with a warning that bad things are happening with your house:

Property Alert is an award winning free property monitoring service aimed at anyone who feels a registered property could be at risk from fraud.

Once you have signed up to the service, you will receive email alerts when certain activity occurs on your monitored properties, allowing you to take action if necessary.

  • The property you want to monitor must be situated in England or Wales and registered with HM Land Registry
  • You must create a Property Alert account to use the service
  • You will receive a HM Land Registry email (please check spam inbox) to enable you to verify your email details
  • You must then sign in to your account to add a property
  • Email alerts are sent when official searches and applications are received against a monitored property
  • If you receive an alert about activity that seems suspicious you should take swift action. The alert email will signpost you to who to contact.
  • You don't have to own a property to set up an alert
  • The same property can be monitored by different people.
  • Property, especially flats/apartments, can be registered with two titles. Blocks of flats are often owned by companies (Freehold), and the person owning the individual flat (Leasehold). When registering for this service please choose Leasehold title for individual flats/apartments.
  • You can use the service if you are not online. Call the Property Alert team on 0300 006 0478.


The service helps people to detect fraudulent activity on their property by sending them email alerts when there is certain activity on the property being monitored, such as a mortgage being taken out against it. The recipient can then decide whether they think the activity is suspicious and act quickly if so. The alert email tells them who to contact should they be concerned.

Alasdair Lewis, Director of Legal Services, said:

Property is usually our most valuable asset so it’s important to protect it from the ever-increasing risk of fraud. HM Land Registry is doing all it can to detect and prevent fraud but no system can be 100 per cent fraud-proof, which is why we urge people to follow our advice about protecting themselves from property fraud, including signing up for Property Alert.Property fraudProperty fraud is where fraudsters try to “steal” a property, most commonly by stealing the homeowner’s identity and selling or mortgaging the property without their knowledge. They then disappear with the money leaving the true owner to deal with the consequences.

Since 2009, HM Land Registry has stopped fraud on properties worth more than £92 million.

How Property Alert worksYou can monitor up to 10 registered properties in England and Wales. You will receive email alerts when there is certain activity on the properties you are monitoring, such as an application to change the ownership details.

Although Property Alert won’t automatically stop fraud from happening, it’s a useful early warning of suspicious activity which the home-owner can investigate if they are suspicious.

Find out more about Property Alert and how to sign up for the free service.

Example of how Property Alert helped to prevent a fraudA landlord was renting out a property in England while he lived overseas. He was aware that absent landlords are more at risk of property fraud and signed up to our free Property Alert service. When he received an alert email informing him of a mortgage application being made against his property worth over £300,000, he contacted our property fraud line immediately as he wasn’t expecting this. Using this intelligence, we investigated and discovered the fraud. We then prevented the application from being registered. His contact details were out of date, so we advised him to update them, which he did so that if we need to contact him in the future he will receive our emails or letters.


Most at riskYou’re more at risk if your property:

  • is rented out
  • is empty
  • is mortgage-free
  • isn’t registered with HM Land Registry
Other fraud protection measuresTo help protect yourself against property fraud, make sure:

  • your property is registered. If you become an innocent victim of fraud and suffer financial loss as a consequence, you may be compensated. Properties most likely to be unregistered are those that haven’t changed hands or been mortgaged since 1990
  • HM Land Registry has up-to-date contact details so we can reach you easily. You can have up to three addresses in the register including an email address and/or an address abroad
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Top comments
I live in Burnley. People defiantly won’t try and fraudulently sell my property!
ministrymason1 h, 20 m ago

I live in Burnley. People defiantly won’t try and fraudulently sell my p …I live in Burnley. People defiantly won’t try and fraudulently sell my property!


So does every one in Burnley do everything defiantly ?
Weehamish8th Jul

Comment deleted


Do you have a copy of the Big Issue by any chance?
beasty5418 m ago

I love how you think what you did to your ex is something to be proud of, …I love how you think what you did to your ex is something to be proud of, you're so proud that you post it on somewhere as public as this as well.


There's nothing wrong here though. If he owed a lot of CSA and then had the money to pay the arrears then legally he should pay it. If you have children with some one then that is an action you took of which there's liability to support that child until he/she is 18, if you didn't want to do that don't have children. I don't know the circumstances here but avoiding paying CSA or not wanting to pay it when you're legally liable is wrong according to the law and can be enforced. This is just one savvy way of finding out when some one had the funds to pay what they owed.

I like to know what is wrong in this case or what I'm missing.
Edited by: "fishmaster" 8th Jul 2018
229 Comments
Been using this for a while, and yes it does alert you instantly via email when an application of any sort is filed against your property (even at 5.30pm on a Friday evening when my solicitor put in an application on my behalf).
I live in Burnley. People defiantly won’t try and fraudulently sell my property!
Any Scottish equivalent? Old news article on ROS website from 2017 says they plan it for this year.
Thank you. Properties are now being monitored.
Nice one...
Thanks for this. I signed up for this a few years ago, but after selling my house in April, I couldn't find a way to delete it from the alert system. I can see it now. I might let it sit there to see what the new owners do with the property in the future
Weehamish8th Jul

Comment deleted


Do you have a copy of the Big Issue by any chance?
Didn’t know about this. Thanks for sharing!
Predikuesi7 m ago

Do you have a copy of the Big Issue by any chance?


Claimed second, I'll have it after, assuming it's free...
Thanks for sharing set up shame we have to resort to this sort of wild West tactics to be safe, not the wonder this sort of crime is increasing bought a property and got absolutely nothing to show for it no deed no nothing, just a bunch of plain documents that anyone can photoshop in half a day. If there's anyone that works in a solicitors office can you tell me what is to stop a rogue solicitor sell all his clients properties to some offshore buyer?
Doesn't seem very secure since anyone can make an account and claim houses on the free account without needing to provide proof they own the house. So in effect you can monitor any address you like with this service.
ministrymason1 h, 13 m ago

I live in Burnley. People defiantly won’t try and fraudulently sell my p …I live in Burnley. People defiantly won’t try and fraudulently sell my property!


UTC
ministrymason1 h, 20 m ago

I live in Burnley. People defiantly won’t try and fraudulently sell my p …I live in Burnley. People defiantly won’t try and fraudulently sell my property!


So does every one in Burnley do everything defiantly ?
Enet2 m ago

So does every one in Burnley do everything defiantly ?


No, just rent houses with an unmatched level of defiance
Edited by: "BeefyMcWhatNow" 8th Jul 2018
fishmaster9 m ago

Doesn't seem very secure since anyone can make an account and claim houses …Doesn't seem very secure since anyone can make an account and claim houses on the free account without needing to provide proof they own the house. So in effect you can monitor any address you like with this service.


What's the problem with that? By 'monitor', all it does is send you a notification stating that an application has been lodged against the property. It doesn't give you details!
Edited by: "donslibi" 8th Jul 2018
donslibi6 m ago

What's the problem with that? By 'monitor', all it does is send you a …What's the problem with that? By 'monitor', all it does is send you a notification stating that an application has been lodged against the property. It doesn't give you details!


Well if you're a farudster and you're doing the fraud you can monitor how well it's going
Not really sure what exactly would happen here.

Someone manages to find a bank that will give them a mortgage against my house with not so much as a Timpson key as proof?

And then they turn up with a piece of paper saying it's their house now?

Or they default and a bank goes "thank god we can fall back on that house we know nothing about"?

Is it not fairly likely my mortgage company monitors this as well? I can't see them being thrilled about anyone getting a second mortgage without them getting a nice juicy fee.

That's not being stupid, I just can't work it out.

1. Scam Land registry.
2 ??????
3. Free house!
Wouldn't the for sale sign in your garden and people coming around to view your house give it away
Bloody hate it when people try an sell your house from behind your back.
TipsyNurse8th Jul

Not really sure what exactly would happen here.Someone manages to find a …Not really sure what exactly would happen here.Someone manages to find a bank that will give them a mortgage against my house with not so much as a Timpson key as proof?And then they turn up with a piece of paper saying it's their house now?Or they default and a bank goes "thank god we can fall back on that house we know nothing about"?Is it not fairly likely my mortgage company monitors this as well? I can't see them being thrilled about anyone getting a second mortgage without them getting a nice juicy fee.That's not being stupid, I just can't work it out.1. Scam Land registry.2 ??????3. Free house!



I assume it beings with identity theft so the person will have faked your passports etc. I can't see this being very common.

Here is an article that talks about it and also getting title insurance however it relates to Canada
lisamanwaring.com/can…se/
This deals is not good for me as I am in Scotland.
Seems like the land registry is very lax
news.bbc.co.uk/1/h…stm

I assume it beings with identity theft so the person will have faked your passports etc. I can't see this being very common.

Here is an article that talks about it and also getting title insurance however it relates to Canada
lisamanwaring.com/can…se/
This deals is not good for me as I am in Scotland.
Thank you soooo much for this. Without details, my brother and I have been worried about a property being sold without our knowledge. This is so reassuring. You’ve made me sleep easier at night! Thank you xx
This sounds like a money saving exercise by the Land Registry rather than having to reverse a fraudulent registration - just a thought.
Shouldn't all mortgage free properties have another level of security requiring LR to make contact with owner perhaps?
I’ve been using this service for about 18 months now, recently put my property in joint names with my husband, the alert came through so I knew the paperwork had been actioned. Also put my ex’s address in and was alerted that he had sold it. The alert enabled me to contact the CSA and give evidence to them that my ex could now pay all arrears outstanding in one hit as he had funds available to him.
It could be a tool to use if anyone by law owes you money.
No many young people own property these days - they’re all blowing their money on lease cars instead!
Interesting thanks op
Judging from some responses here you can be alerted to the sale of any old address. That can't be right.
mad_design_man13 m ago

No many young people own property these days - they’re all blowing their m …No many young people own property these days - they’re all blowing their money on lease cars instead!

Think you missed the important bit and that is they have not desire to own a house since they got one off the council for who the council is responsible for. On my street the house that are falling apart are privitely owned while the newly done up ones are council houses.
Weehamish8th Jul

Comment deleted


Why do you think I need 50p off oranges? Though in truth we pay less for our mortgage than we used to to rent.
Cuddl3s6 m ago

Think you missed the important bit and that is they have not desire to own …Think you missed the important bit and that is they have not desire to own a house since they got one off the council for who the council is responsible for. On my street the house that are falling apart are privitely owned while the newly done up ones are council houses.


Absolutely ridiculous Daily Mail nonsense.
Thanks a lot, signed. Is there a way to ensure the house price doesn't show on the zooplas, rightmoves of this world or that's not possible? Although I do see a lot of houses whose details are missing so there must be a way?
mad_design_man22 m ago

No many young people own property these days - they’re all blowing their m …No many young people own property these days - they’re all blowing their money on lease cars instead!


There's something in that - but it doesn't just apply to young people. Huge numbers of people have been sucked into this by the motor manufacturers and dealers and it's a disaster waiting to happen.

PCP contracts have enabled people who just can't afford nice new cars to buy nice new cars - and the day of reckoning will hurt.
TipsyNurse8th Jul

Not really sure what exactly would happen here.Someone manages to find a …Not really sure what exactly would happen here.Someone manages to find a bank that will give them a mortgage against my house with not so much as a Timpson key as proof?And then they turn up with a piece of paper saying it's their house now?Or they default and a bank goes "thank god we can fall back on that house we know nothing about"?Is it not fairly likely my mortgage company monitors this as well? I can't see them being thrilled about anyone getting a second mortgage without them getting a nice juicy fee.That's not being stupid, I just can't work it out.1. Scam Land registry.2 ??????3. Free house!


BigOrkWaaagh8th Jul

Judging from some responses here you can be alerted to the sale of any old …Judging from some responses here you can be alerted to the sale of any old address. That can't be right.



You can type your postcode in and see what your neighbours bought/ sold their houses for and when they did so. It’s not confidential information.
BigOrkWaaagh7 m ago

Absolutely ridiculous Daily Mail nonsense.


No nonsense, just the reality on my street and many others
Weehamish8th Jul

Comment deleted


Possibly the best hud post ever.
Got a council flat but have lots of rental properties across London
It sounds a mess in every way possible. A landlord who isn't in the UK or even contactable? What exactly does this do for anybody in the country other than jack up everybody's costs?
Where do you get 50p off oranges? You aint posted that one. Come on share the joy.
Toptrumpet52 m ago

I’ve been using this service for about 18 months now, recently put my p …I’ve been using this service for about 18 months now, recently put my property in joint names with my husband, the alert came through so I knew the paperwork had been actioned. Also put my ex’s address in and was alerted that he had sold it. The alert enabled me to contact the CSA and give evidence to them that my ex could now pay all arrears outstanding in one hit as he had funds available to him.It could be a tool to use if anyone by law owes you money.


I love how you think what you did to your ex is something to be proud of, you're so proud that you post it on somewhere as public as this as well.
Edited by: "beasty54" 8th Jul 2018
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