Registers of Scotland scramble to find a ‘Digital Solution’ in the time of COVID-19
Registers of Scotland today announced that they were closing Meadowbank House, in Edinburgh and St Vincent Plaza, in Glasgow from today. As a consequence, the application record to register title to land in Scotland has been suspended until further notice as they will be unable to process any paper applications after today.
This step was apparently taken following last night’s announcement by the Prime Minister and First Minister even though that announcement was that you should only leave home to go to work “where this is absolutely necessary and cannot be done from home”. Some people appeared confused as to what that actually meant and Matt Hancock (the Health Secretary) clarified today that those who cannot work from home should go to work “to keep the country running”.
Clearly registration of title cannot be done from home so should, according to that guidance, be done from Meadowbank House, in Edinburgh and/or St Vincent Plaza, in Glasgow “to keep the country running”.
Instead the conveyancing system in Scotland has been brought to an abrupt halt.
The statement from Registers of Scotland says:-
We are working on a digital solution that will enable us to allow digital applications to be submitted.
We will provide a firm update on our progress with enabling a digital solution, and next steps, on Friday 27 March. At this stage we cannot commit to when the application record will reopen but we will be able to provide a further update on this as part of Friday’s update.
Times journalist, Gabriella Bennett (palebackwriter), tweeted:-
Registers of Scotland has indefinitely suspended paper applications for completing house sales. Buyers with completion dates of this week onward (until RoS comes up with a digital solution) are now stuck with no answers and no homes they can move into.
Can’t get my head around this. It looks like RoS has stopped all transactions from completing without having a back up plan. “We cannot commit to when the application record will reopen”
In light of this sudden closure by Registers of Scotland, the Law Society of Scotland’s recommendation is that “solicitors should not settle conveyancing transactions until we have a further update from Registers of Scotland.”
This is causing immediate distress to many.
Home movers took to Twitter to express their concern:-
Caroline (@Carolin19990433) tweeted:-
We are due to move on Fri 27th and the missives have been signed. We have 2 young children and am an NHS worker. This is all so stressful. What do we do? Fri is too late for clarification for us. I have been in touch with our MP and MSP and both have said the move should go ahead
Lauren (@Lauren_MCL18) tweeted:-
Help PLEASE. Our house sale due to complete tomorrow 25th March has fallen through due to your closure. Surely registers of Scotland is a vital service and should remain open?
Nadine (@NadineMontgmery) tweeted:-
Was really looking forward to finally moving into my new home tomorrow after 4 months of living out of a suitcase. Registers of Scotland have decided to suspend the application record effective from today. So no solicitors are settling. What a disaster. 😭😭
Elaine Cambell (@EllieCampbell48) tweeted:-
I really hope a way forward can be agreed – our completion date is tomorrow. Everyone in our property chain is packed and ready to go 🙁
James Brown (@jimayr) tweeted to Kate Forbes MSP (Secretary for Finance):-
I was supposed to move home tomorrow but got a phone call at 2:30pm from my lawyer to say my house purchase couldn’t go through as the Registers of Scotland closed its offices without warning. I am due to be out of my rental accommodation on Thursday terrible situ…
Alan Wyse (@alan_wyse) meanwhile took it straight to the top by tweeting to the First Minister:-
Nicola Sturgeon the hotels are closing and we have nowhere to live can you help us complete our move to a new build house this week so we are safe and can protect others.
Mairi (@MairiRasuli_) also directed a tweet at the First Minister:-
We were to complete on Thursday, and now you have made a family of 5 homeless during a pandemic in the middle of LOCKDOWN. Please hurry up and find a solution for this, you cannot make families homeless during a PANDEMIC!!!
Scot Rock (@Firhillthrills) suggested that, on the other hand, some home movers were relieved by the closure:-
Hopefully a solution can be found. However, from my own personal experience today, there was a sense of relief amongst clients understandably anxious about the practicalities – removers cancelling, availability of keys, groups of more than 2 people involved in a move ..perspective
Mark McBride (@McBrideAce) agreed and added:-
There are some who want to move and some who don’t. Issue is the sudden closure denies those who want to or need to.
There are obviously legal issues surrounding all of this especially where there are concluded missives (a contract) to purchase/sell on a specified date. I’ll not go into those here as the purpose of this post is to highlight the situation and hopefully persuade Registers of Scotland to find a sensible solution very quickly i.e. tomorrow not Friday or beyond.
At 8.35pm this evening Registers of Scotland provided an update via Twitter:-
ATT: RoS is working with UK Finance and the Law Society of Scotland, to agree a position that will allow people who have to move in the next week or so, to complete their transaction. Your solicitor should contact the customer service team at RoS to discuss further.
That phone line will be inundated tomorrow. I hope they have all of their homeworkers on it to answer the calls. But why not just publish the solution rather than have lots of individual calls?
And that solution needs to be simple and straightforward.
Solicitors fax or e-mail contractual letters to one another on the basis that the principal signed letter will follow. They do the same with regard to delivering the signed Disposition (title deed) at settlement. They do the same with formal letters of undertaking.
Registers of Scotland should do the same when accepting applications and registering title deeds in the time of COVID-19. Just allow solicitors to scan and e-mail the applications in. Process and acknowledge them on that basis by e-mail. Tell the solicitors to retain the principal deeds (do Registers of Scotland really need to see those?) but on the basis that if there are any queries prior to the Title Sheet being created or updated the solicitor may need to submit the principal deeds. Or, if they must, insist that the principal application must follow by post/DX before the Title Sheet is created or updated. If that was the system this could be up and running tomorrow morning surely?
Please Registers of Scotland don’t, whatever you do, start building a new online portal to deal with this issue. You did that in 2009 and it’s not been used much since, despite me championing it. That can be a project for once the current crisis is over. In the meantime please keep it simple to enable solicitors to easily do their jobs from home and get their clients into their new homes on the dates of entry already committed to.
Let’s see what tomorrow brings.
Update #1 – 25 March 2020
Registers of Scotland have produced an update this morning that now says that solicitors should only call them today (Wednesday) if they have a settlement today. They will then take your details and “will arrange for a RoS Senior Advisor to speak to you as soon as possible to discuss your specific circumstances and find a solution for you.”
So they do have a solution already to enable people to settle their purchase/sale transactions. But what is it?
They go on:-
Please do not call if you are settling tomorrow – we hope that the advice we will be able to provide later today will provide a solution for most people.
We will be able to take calls tomorrow, if required, to discuss specific circumstances for settlements that are due tomorrow and find a solution for you then.
We will continue to deal with cases on a day by day basis, whilst simultaneously working to find a solution to reopen the application record remotely as soon as we can.
So we should expect an update from them later today that will provide a solution for “most people”. I wonder why not all people?
I’ll update this post when we hear further from Registers of Scotland.
Update #2 – 25 March 2020
Some lenders have been confirming that they are happy to allow settlements to take place this week in the circumstances even if there is a delay in registration of their security. You should of course check the position on a case by case basis with the lenders involved to ensure what the position is for you.
However, this would appear to relieve the problem for many in a way that Registers of Scotland and the Law Society of Scotland may not have done as yet. I assume in light of this the Law Society of Scotland will be issuing fresh guidelines to solicitors?
Update #3 – 25 March 2020
The latest update today from Registers of Scotland says that they have made good progress this morning with the Law Society of Scotland and UK Finance to find a solution. We are advised that:-
RoS and the Law Society will be issuing updated guidance today and UK Finance colleagues are engaging with the lending community seeking their consent to move forward with our joint proposals. This should enable the majority of transactions that are imminently about to settle to proceed as planned.
This solution appears to revolve around extending the period that Advance Notices (these provide protection to a purchaser if they register title within that period) run from 35 days until longer if a ‘digital solution’ will take longer than 35 days to put in place. They may need emergency legislation to do this (a hammer to crack a nut) or will work to renew existing advance notices for a new 35 day period (surely the sensible thing to do). The indication is that a ‘digital system’ may not be in place until sometime during that 35 day period.
Strangely they state that:-
However, it will remain possible for advance notices to be renewed by the parties for as long as is required and we would expect in the usual case that will be achievable. If there is any reason or indication either (a) that the granter in the advance notice may become insolvent or (b) that the protected deed would not be entered on to the application record by the date five working days prior to the expiry of the protected period (under the original or any renewed advance notice) then we would open the application record (digitally) for the application to be taken on (digitally). Given the likelihood of the wider market slowing down we think it is likely we could make this approach work for all applications pending in this way.
How can they “open the application record (digitally) for the application to be taken on (digitally)” until they have a digital system in place? I may be misunderstanding what they mean but I think this needs clarification.
Also they state that:-
If there are any immediate cases where an advance notice is not in place we will work with the Law Society and the solicitors involved to open the application record for those applications. In particular if there are DPA cases pending which require advance notices we will deal with them digitally.
Again how can they open the application record until they have a digital system in place unless they are going to open it for a one-off paper submission? This will need to be clarified too.
Hopefully the updated guidance promised for later today will provide the clarity on these points required.
Update #4 – 25 March 2020
The updated guidance from Registers of Scotland promised for “today” has not yet materialised at 9.24pm so I’m assuming we will have to wait another day for that.
Meantime the Law Society of Scotland told it’s members at around 8pm tonight that:-
This is an extremely unsettling time for our members and for the public and we will continue working towards a solution, but we will only issue guidance, when we are clear that it is a viable way forward for purchasers, sellers and lenders and is consistent with the overriding priority to protect the health of the public and to combat the spread of Covid-19 in accordance with government restrictions.
We aim to provide further information in the next 24 hours.
Hopefully we will hear further from them and Registers of Scotland well within the working business day tomorrow as there will be a large number of conveyancing settlements teed up for Friday (the most popular day in the week for house moves).
Update #5 – 26 March 2020
We heard news on LinkedIn that at least one settlement took place yesterday. The solicitors did this as follows:-
We had purchase and sale both involving cash purchase and registered titles. Each side just undertook to renew Advance Notices in 30 days and again if necessary if not able to register title within that period. If lenders agree that could be done for mortgages as well. Gives problems for Sasines and dealing with parts where paper Advance Notices.
Also we heard from DUAL Asset Underwriting to the effect that:-
We have being working on policies to help the profession to mitigate any potential risk that can enter into the transaction in light of what is happening. More formal information on this will be coming out today and tomorrow.
It appears that the Law Society of Scotland were getting ready to issue guidance but an issue got in the way. They tweeted this morning:-
Unfortunately there was a last minute issue identified in the guidance last night which meant we were unable to issue it to solicitors. This has been worked on throughout this morning and we will be issuing updated guidance to solicitors as soon as we can today.
Meanwhile home movers are getting exasperated.
Elaine Campbell (EllieCampbell48) asked Registers of Scotland on Twitter:-
Where is the update with a working solution? There are thousands of people affected by this mismanagement and lack of forethought. We are stuck in limbo while @Lawscot society dithers. In this time of crisis, you would think helping the people they exist to serve is priority.
The Law Society of Scotland replied to her:-
Hi Elaine, I appreciate that this is a difficult time for everyone affected but our staff and volunteer committee members have been working day and night with partners since the decision to close the applications record of the land register was made to find a workable solution.
It’s not simply a case of finding a quick technical fix, we also need to be sure that the guidance we issue is not creating a problem for the future which would not be in the interests of anyone who is trying to settle a property purchase.
Katie Grier (@Skaty_G) was also looking on Twitter for clear guidance from the Law Society of Scotland:-
pls provide clear guidance on imminent house moves to solicitors. Your ‘recommendation’ of not settling is going to cause homelessness @RegistersOfScot are saying solicitors can push through in hardship. Can you please ‘recommend’ solicitors do that
The Law Society of Scotland replied to Katie that:-
We are working with partners including @RegistersOfScot and @UKFTweets to find a solution which meets the requirements of the law, the financial sector and Registers and which fulfils our duty to our members and defends the interests of property buyers and sellers.
We cannot rely on a sticking plaster solution may have long-term repercussions for our members and their clients. @UKFTweets identified an issue with the guidance we had hoped to issue yesterday, we are now working to resolve that with a view to issuing updated guidance today.
These Tweets from the Law Society of Scotland were confirmed earlier today more officially in a statement from the President, John Mulholland, who said:-
I understand the frustration and distress amongst our members and the people they represent who are trying to conclude domestic and commercial sales and purchases this week. It is an unsettling time for everybody as we readjust to the circumstances and challenges that Covid-19 and the public health implications that has for all of us.
The decision by Registers of Scotland on 24 March to close their offices and suspend the Applications Record of the Land Register without notice was clearly for the important reason of protecting the health of their staff and customers. However, it created a gap in the legal and financial process for property buying which takes more than a simple technical solution to resolve, and it would be irresponsible to pretend otherwise.
I want to assure you that this is a situation we take very seriously. Since the closure was announced our staff and volunteers on the Law Society’s Property Law Committee have been working day and night with stakeholders, including Registers and UK Finance, to come up with a solution.
We hoped that we had found a framework which would enable some transactions to proceed yesterday. However, on reviewing the guidance we’d prepared but not yet issued to our members, UK Finance identified an outstanding issue which it would have been irresponsible to overlook. We have therefore put our guidance on hold and we are now working to resolve this and hope to be able to provide updated guidance later today.
I truly appreciate that this causes problems for people who were hoping to conclude property sales this week, and who may have already taken steps to pause or end that process. However, we cannot rely on a sticking plaster solution which may have long-term repercussions for our members and their clients.
We continue to work to agree a way forward which meets the requirements of the law, the financial sector and Registers and which fulfils our duty to our members and defends the interests of the public they represent.
I will update you again when we hear more, hopefully later today.
Update #6 – 26 March 2020
Registers of Scotland provided an update on their website at 7am this morning:-
Housing transactions completing this week
Information on how we are prioritising enquiries.
Following the Law Society of Scotland’s recommendation to their members that housing transactions should not settle while the application record is closed, an interim measure has been proposed by RoS which we believe addresses the concerns raised.
We have proposed this interim measure to the Law Society of Scotland and UK Finance. We understand the Law Society of Scotland are considering sharing their view on this interim measure with their members, and we understand that UK Finance are discussing this interim measure with their members to obtain their view.
The customer service team have been fielding large numbers of calls in relation to this message. Some of these calls relate to clients who could wait to settle, but would rather not. Dealing with, and responding to, these calls means that we have not yet been able to get back to everyone who has a genuine emergency if they cannot settle. This is not a state of affairs the Keeper can allow to continue.
We appreciate that this is inconvenient for everyone involved, but in the current climate, of a national health emergency, we must ensure that RoS resources are focussed on those people who will face serious personal or financial hardship if they cannot settle on the day required, and for whom the interim measure (if it can be put in place) does not represent a solution.
Therefore you should only contact RoS if your clients will face extreme personal or financial hardship and have no other option but to settle today. If this is the case, please call 0800 169 9391 and select customer services from the options. Please state to the customer advisor who takes your call that you need to settle today. They will take your details and seek to understand the circumstances of your client, so that we can arrange for a suitable RoS Senior Advisor to speak to you as soon as possible to discuss your specific circumstances and find a solution for you.
Update #7 – 26 March 2020
We now, at last, have guidelines from the Law Society of Scotland issued this afternoon that will allow conveyancing transactions to settle in certain circumstances:-
As you know, the Law Society of Scotland has been working around the clock with Registers of Scotland, UK Finance and other stakeholders to try to find a way to settle urgent transactions following the closure of the Applications Record of the Land Register of Scotland.
This morning, UK Finance have confirmed that most major lenders are on board, so, with the Government restrictions and the health and safety of all those involved in any property transactions at the forefront of our discussions we, with the support of the Registers of Scotland and UK Finance, we have issued guidance which will support the RoS Covid-19 interim measures.
The interim measures will apply to a limited number of transactions which do not conflict in any way with the Government restrictions and our recommendation remains that parties to transactions should attempt to reschedule settlements rather than settling during the closure of the Application Record.
Registers of Scotland’s intention is to allow a limited number of ‘emergency’ registrations, where extreme adverse consequences would otherwise result and details of the circumstances where settlements could happen over the next couple of days follow:
- Where the Covid 19 interim measures announced by the Keeper apply to the particular transaction.
- Where the Keeper’s emergency measures are applicable to a particular case. Please refer to the RoS website. Members are asked to understand and advise clients that only a very limited number of high hardship cases could be handled under that and are asked to follow the guidance on the website rather than calling RoS and using up essential resource.
Law Society Guidance to support Registers of Scotland interim measures for settlement of conveyancing transactions during Covid-19 restrictions.
Following closure of the Application Record on 25 March, the Law Society of Scotland has been working with Registers of Scotland, UK Finance and other stakeholders on an interim solution which will allow a number of essential transactions to proceed to settlement within the next week or so.
The obvious risk of settling a transaction during the Application Record closure is that, following settlement, the Disposition in favour of the purchaser, and any Standard Security in favour of a lender, will not be capable of registration until such time as the Application Record reopens. This leaves the purchaser’s title and the lender’s security at risk from the insolvency of the granter of either deed.
In the normal course of events, there is protection provided for a period of 35 days from registration of the Advance Notice. The concern at present is that while the Application Record closure is temporary, it is possible – or even likely – that the Application Record will not reopen before the protected period ends and any deed unregistered at that point will be vulnerable to the insolvency of the granter of that deed.
The Covid-19 Interim Measures proposed initially by Registers of Scotland are that the protected period of Advance Notices be extended beyond the period of the Application Record closure. While it is proposed that this be achieved through emergency legislation, as an alternative until amending regulations can be approved, the Keeper proposes to selectively open the Application Record to accept on to the Register extensions of certain Advance Notices. By extending the protected period, the intention is to ensure that a deed for a settled transaction remains protected beyond the period of the Application Record closure so that registration at that point can be effected.
The Property Law Committee (and UK Finance) have carefully assessed these proposals and has worked with Registers of Scotland on the final wording of the Covid-19 Interim Measures and we believe that these do provide a framework that can allow the legal component of transactions to settle.
There are however some essential steps which must be in place before a particular transaction can safely settle:
- First and foremost is the requirement that Advance Notices be registered already. The protection from an Advance Notice is essential so cannot be dispensed with in favour of a Letter of Obligation.
- Where Advance Notices are not yet registered, Registers of Scotland may – on a case-by-case basis – be able to selectively open the Application Record to allow for registration of Advance Notices for imminent transactions. Guidance on the availability of this measure will come from Registers of Scotland.
- There must be delivery of signed deeds. At settlement the Disposition must have been delivered to the purchaser’s solicitor and the Standard Security must have also been delivered to the lender’s solicitor (which in most cases will be the borrower’s solicitor). This could however be constructive delivery by email agreement between solicitors so that the selling solicitor can demonstrate or confirm that the disposition has been validly executed and is being treated as delivered on the basis it will be physically delivered to the Purchaser’s solicitor immediately after the Applications Record re-opens.
Given the above requirements, members will note that the interim solution proposed will only be available in some transactions which, given the requirement for there to be registered Advance Notices, are likely in very late stages and close to settlement. While there is the possibility of reopening the Application Record selectively for new Advance Notices to be registered, this is likely not a guaranteed option and members will need to discuss this with Registers of Scotland before confirming to clients that settlement is possible.
While the above is an interim solution to allow some transactions to settle, the strong recommendation from the Property Law Committee remains that, parties to transactions should attempt to reschedule settlements rather than settling during the closure of the Application Record. The above interim solution is designed solely to deal with one particular important legal problem arising from the closure of the Application Record. A conveyancing settlement requires a number of different parties to be able to implement various legal and practical processes, which in the current circumstances are becoming increasingly difficult to achieve. The current restrictions imposed by Government are for the protection of public health during a national and international emergency. This guidance should be read in conjunction with the current – and any future – advice from Government and the safety of members, their staff, clients and the wider public should be the most important factor in deciding whether or not it is appropriate to proceed with settlement of a transaction in present circumstances.
Members should be careful to obtain clear instructions from clients, including lenders, to settle transactions in the above circumstances. Members should also be wary of the vulnerability of clients looking to purchase a home in the present circumstances and be careful to ensure that a client’s informed consent to proceed is adequately obtained.
We have confirmation from UK Finance that the following lenders are agreeable to these proposals:
Lloyds Banking Group (all brands, i.e. Bank of Scotland, Halifax, Halifax Intermediaries, Lloyds, BM Solutions and Scottish Widow Bank)
Scottish Building Society
RBS (RBS, Natwest, Ulster Bank brands)
We will continue to update this guidance as we have further information from UK Finance.
None of the measures proposed should be in any way used to compel settlement of a transaction where someone is shielding from the virus
RoS is working hard to respond effectively to your queries and requests. The Customer Service team are able to safely work from home and will continue to be available to you as normal. Contact email@example.com phone: 0800 169 9391 or textphone: 0131 528 3836 to be directed to someone who can help, whatever your enquiry. Please visit the RoS website for the latest updates and Q&A.
Registers of Scotland have published the following statement this afternoon:-
Following further discussions this morning between Registers of Scotland (RoS), UK Finance and the Law Society of Scotland (LSS), a process is now in place that enables transactions to settle where an advanced notice is in place.
Solicitors should view the LSS guidance and the list of lenders who have agreed to the proposals.
Most major lenders have already agreed and solicitors are advised to check the list which will be updated as new lenders come on board.
If these new measures do not apply to your transaction and if you are in exceptional circumstances that mean you must settle today – then and only then, should you contact RoS customer service advisors for additional support.
We would urge solicitors and home movers to consider postponing any non-urgent transactions during the ongoing health emergency.
No sign as yet of the guidance on the availability of the measure to reopen the Application Record to allow for registration of Advance Notices for imminent transactions that is to come from Registers of Scotland.
No further mention of if and when a ‘digital solution’ might be in place or what form that might take.
But at least we appear to have a solution to allow certain specific settlements (depending on circumstances) to now take place and home movers to get into their new homes.
Update #8 – 27 March 2020
Even although a ‘solution’ was put in place yesterday to allow certain specific transactions (depending on circumstances) to settle it became clear today that many were not being classed by Registers of Scotland as ‘special’ enough. Also people remain angry about the complete lack of contingency planning at Registers of Scotland. This was evident from Twitter:-
Michael Wyver (@mwyvar) tweeted to Registers of Scotland:-
I completely understand and agree offices need to shut. However, your refusal to process online transactions, like the rest of the modern world, is baffling. Your arrogance has thrown people’s lives into even more chaos and you don’t seem to offer any sympathy or explanation.
@Bawheed45, reacting to the interim process put in place for ‘urgent’ transactions to settle, tweeted:-
Yeah all fine and well but when can the rest of us move home 🤬🤬🤬🤬
Liam Griffin (@Liam2Griffin) wasn’t considered by Registers of Scotland to be an ‘urgent’ case despite appearing, from his tweet, to any sane person to be one:-
My wife and I are technically homeless with my wife due to give birth on Friday 3rd of April.. my solicitor says we’re aren’t priority.. absolute joke
Some kind-hearted sellers were handing over keys despite not being paid for the property they were selling to avoid purchasers suffering the hardship that they were encountering at the hands of Registers of Scotland.
John (@johnt0709) was one of those kind-hearted souls. He tweeted:-
I’ve got a young couple with young children that would have been made homeless had I not given them the keys to their new property on Tuesday. Still can’t get it sorted it’s a terrible position – are damages payable for this mess?
He should consult his solicitors about the possibility of a claim against Registers of Scotland.
Others were not as fortunate as the purchasers from John. Andrew Murray (@AndrewM78323903) tweeted to John:-
Wish you were my seller. We are in the same position but seller will not let us in until money is transferred. We have managed to move our possession though. Currently living off a mattress on the floor.
Steve (@dreistreifenz) called on Kirsty Blackman MSP for help:-
@KirstySNP can you please look into this? Currently unable to move into a vacant property and scrambling around for other housing options under current travel and working restrictions.
Others shared Steve’s concerns. Arianne Vance (@ariannemark) replied to Steve:-
We are the same boat Steve. Solicitors say they are looking in to this however supposed to complete yesterday! Hope you get something sorted!
Hope you get something sorted too. There’s not even a timescale here so can’t give definitive answers when people ask me how long this will go on for! We’re supposed to stay in and not go out yet what’s the alternative when you’ve nowhere to stay?
Its a literal nightmare Steve with far-reaching reprecussions for us all and during a pandemic! As you say we can’t stay inside if we have nowhere to stay!
I’ve been given options but all include travelling and moving in with people against current advice. What’s the alternative though? There is none.
It’s just a shambles Steve! I cannot understand why no contingency plans were put in place! Stay safe and press your solicitors!
They’re blaming the lenders for the situation.
What a bloody mess Steve!
And solicitors were being pressed from all angles in a hectic week where they had to put contingency plans in place and work from home which they clearly could do in a way that Registers of Scotland couldn’t.
Alan (@alanhood77) wasn’t impressed by the lack of continuity planning on the part of Registers of Scotland:-
What you mean is you don’t have a digital solution in 2020 to settle home transactions? Your business continuity plan was non-existent. I hope @scotgov and @NicolaSturgeon look into this and determine which areas of gov req urgent digitisation/modernisation pending current crisis
Others were also still looking for answers. Laura G (@trendylaurag) tweeted to Registers of Scotland:-
Can you please advise when an update will be available. We are due to move today, house full packed and all sleeping on the floor.
LewisG345 (@G345Lewis) though the interim process would only allow around 5% current transactions to proceed. In reply to Registers of Scotland he tweeted:-
Thanks for your comment. Unfortunately, your most recent suggestions will only allow around 5% of current transactions to go ahead. Your closure will give many families tremendous difficulties. You must update your safe working policy, provide PPE to your employees and reopen.
Some banks were not initially on the list of those who had yesterday agreed to the interim measures. This was causing difficulties for some home movers who were tweeting Registers of Scotland about their specific situations and asking when their lenders would be added to the list. In turn Registers of Scotland were referring those enquirers to @UKFinanceGroup. But as Andrew (@amcnair2001) pointed out to Registers of Scotland:-
They don’t seem to have used twitter for close to a year so doubt I’ll hear from them on here.
At one point Registers of Scotland were referring people to @TheLawSociety who pointed out:-
We’re England and Wales
The Law Society of Scotland are @Lawscot.
Stuart (@stupots) a concerned home mover, reacted:-
Face meet palm
Stuart was seeing this in the midst of his personal crisis which Registers of Scotland did not appear to be helping to resolve. He had pointed out to BBC Good Morning Scotland earlier in the day that his family:-
Had to move out of our previous home last Friday and due to move into our new one today. Not happening and currently in temporary accommodation with three children and asthmatic wife. Very worrying time when being told to stay at home, with no home!
The Lending Channel (@LendingChannel) pointed out the financial stress being caused to some:-
Extremely disappointed in @RegistersOfScot this week! There are legally unrepresented clients waiting for 2nd Charge loans to fund! Some of these will be very much financially disadvantaged if these do not complete soon!
George Notman (@georgenotman) was one of those affected financially. He tweeted Registers of Scotland:-
Meant to settle house sale today – can’t due to interim measures in place £3500 a month bridging and my solicitor informs me I am not a special case – this is going to cause me extreme financial hardship with no compensation.
They didn’t reply to George and instead deleted the tweet he had responded to.
But they did publish Information for Legal Professionals although that wasn’t really helping people move into their new homes unless they fell within very specific categories or were hardship cases where Registers of Scotland appeared to have the only and last say on what ‘hardship’ meant. To many were making completely the wrong calls.
Solicitor Katharine Smith (@LawyerKSmith), like most property lawyers no doubt, had her toughest work week and was not too impressed by Registers of Scotland:-
Easily my toughest week at work ever. Thanks to my @BlackaddersLLP colleagues and other members of the profession for all of their support, patience and understanding this week. @RegistersOfScot you will have a lot of tough questions to answer when this is all over …
Update #9 – 28 March 2020
Now Saturday. Registers of Scotland will be completely closed with no one answering distressed home movers although for some they have obviously be closed for several days. But being a Saturday did not stop those home movers continuing to raise issues with Registers of Scotland on Twitter.
Insight Expedition (@InsightExp) had queries for Registers of Scotland:-
My solicitor tells me completion on the 25th March could not take place as my property is still on the old Sasine register and that requires paper documentation to complete. Does that mean I am in limbo till meadow bank house opens again?
Others felt the same pain. Andrew Murray (@AndrewM78323903) tweeted:-
We need answers. I have people moving into the property I am currently leaving and I don’t know what I’m going to do. I am supposed to move in Monday. All my possessions are already in my new house but cannot get the keys yet as @RegistersOfScot just shut the doors.
Joje (@Georgia_Argy) joined in:-
@RegistersOfScot we have all our deliveries booked a month ago all set for Monday on the house we just bought! You have no idea the amount of stress you have caused to all of us ready to move and with concluded contracts. All our stuff in boxes and so much uncertainty! Help!
Update #10 – 30 March 2020
Now Monday and the conversation started by Insight Expedition on Saturday continued on Twitter with Richie Morrow (@richie_morrow) joining the fray:-
I’m in the same position…. they need to accept a digital copy and our solicitors follow this up with paper docs…. it’s 2020 for goodness sake!!!
Insight Expedition replied:-
I guess unlike in business where you create a work around to ensure clients get the best service, it isn’t being considered for the old system. And news says lockdown till June!!!
Richie Morrow finished up with:-
It’s a bit of an omnishambles tbh….
Paper Advance Notices for transactions moving from Sasine to the Land Register still appear to be an issue with these transactions still therefore on hold. Liam Docherty (@elneebre) had that issue and tweeted to Registers of Scotland and the Law Society of Scotland:-
We’ve been told from our solicitor that the property we’re settling tomorrow is the old Sasine title and requires a paper advance notice. We desperately need this house, are we going to have to wait until the register reopens?!
Registers of Scotland referred Liam to their telephone helpline.
Insight Expedition (@InsightExp), as we know from weekend tweets, shared Liam’s pain:-
Last week I was told by solicitor who sent the funds back that with no people physically available and Sasines is paper based we have to wait. No planning, no contingency, no warning.
Yeah I contacted the ROS today who said they can submit it online still but this doesn’t seem the case with the Sasine register. We’re living with parents which is overcrowded and my fiancé is pregnant, so it’s insanely stressful, also having to pay storage fees now
Insight Expedition replied:-
And looks like we will have lockdown till June. Rightly so to protect. Must be really, really stressful for you and your family right now. So sad that there is no work around as we all knew lockdown was inevitable weeks ago.
Richie Morrow was offering Registers of Scotland helpful suggestions like I had made to them last week:-
When do you expect to be receiving paper applications?!?! Our home had to be re registered and our move date is in 2 days!!! Surely you can accept these digitally and the solicitor follows this up with paper copy!!!!
As with me they didn’t reply to him.
Liam then tried the Law Society of Scotland:-
@Lawscot hi, whe’re do people stand with paper documents needing to be sent to @RegistersOfScot ? My property is still on the old Sasine register and that requires paper documentation to complete. Surely this can be done digitally?
They referred him to Registers of Scotland and so the circle of despair continued.
Marta Walczyk (@Marta_Walczyk) had questions to ask Registers of Scotland about the timeline for their digital system becoming operational and compensation for their delays:-
When will the digital system become operational? You’re not accepting paper Advance Notices and it’s preventing a number of people from completing house purchases. How are you going to compensate this?
Registers of Scotland did not reply to Marta.
Some people seemed to be getting there with the help of their MP. Ashley Paul (@ashleyyypaul) tweeted:-
Many thanks to @IanMurrayMP for his swift action and assistance with @RegistersOfScot to ensure our house purchase went through and we weren’t left without accommodation! #Covid_19 #Labour
Some MP’s, on the other hand, were hearing stories of lawyers threatening breach of contract if people didn’t move house during Covid-19. John Nicolson MP (@MrJohnNicolson) tweeted:-
Spoke to a lawyer threatening two constituents in their 80s, one with cancer who can’t now honour their house sale moving out day this week. Removal firms not working. They can’t leave. He told me he’d sue them for breach of contract. #Coronavirus bringing out the best & worst…
Nadine (@NadineMontgmery) called on the First Minister, Nicola Sturgeon, and Alison Thewliss MP to help her:-
@NicolaSturgeon @alisonthewliss Without warning or any emergency contingency plans the @RegistersOfScot closed 25th March leaving us homeless during a critical period where we are repeatedly told to STAY AT HOME. I have a son with Cerebral Palsy who is extremely vulnerable.
Our old house is now occupied & new house lying vacant. However we cannot complete the house purchase until the land register reopens. What urgent measures are in place to help people who are extremely vulnerable during this time? Are you providing help/alternative accommodation?
We need urgent help please. I have successfully isolated my son for 15 days now, only to now have the threat of exposing him to a deadly virus because of an administrative issue? This is unacceptable in 2020.
My only family member is my sister who I cannot stay with as she is working day & night as a hospital consultant saving lives during this crisis. She is exposed to the virus daily, as the protective gear is sub standard (that’s a whole other tweet!) I can’t risk my sons exposure
Throughout my all my life I have fought courageously for what is just, never once complaining. Now I am at breaking point. Please help us urgently- and the many others left in our position.
Update #11 – 31 March 2020
Another day, Tuesday, and good news from Nadine:-
Finally got the keys 🔑🏠 thank you so much to everyone who helped! So happy I could cry. @RegistersOfScot
Nadine’s plight was first highlighted by her in a tweet on 24 March. I referenced it in my original blog post on that same date. She was clearly an urgent case. It took Registers of Scotland one week to deal with this for her. Astonishing. But at least it ended well despite the stress the avoidable delay must have caused to Nadine.
Meantime, again a week later, Registers of Scotland have managed to set up a dedicated e-mail address for home movers needing help: firstname.lastname@example.org. That could and should have been set up a week ago.
The Scottish Government have published ‘Coronavirus (COVID-19): guidance on moving home‘.
The overview states:-
There may be no need to pull out of transactions but we should all be trying to reduce social interaction between people in order to reduce the spread of coronavirus (COVID-19). People are therefore urged to delay moving to a new home while stay-at-home measures are in place.
We recognise that this will be difficult for people who had hoped to move house in the next few months but urge all of those involved to adapt and be flexible. Prioritising the health of individuals and the public must be the priority. View the guidance on social distancing on NHS inform.
We all need to ensure we are following social distancing guidance at all times, including the specific measures for those who are presenting symptoms, self-isolating or shielding. View the guidance on shielding.
New measures have been introduced to enforce social distancing. People in Scotland are being asked to only go outside if they have a ‘reasonable excuse’. This includes shopping for necessary food, household and medical supplies, travelling to and from work where working from home is not an option, and daily exercise that adheres to social distancing guidance. People are allowed to leave their homes to move home but only where it is reasonably necessary, which may include where a new moving date cannot be agreed.
This Guidance is directed at moving home involving the buying and selling of property. Similar considerations apply to people moving in other circumstances.
There is a six page guidance booklet which can be downloaded as a PDF from here: SCOTTISH GOVERNMENT GUIDANCE ON MOVING HOME – BUYING AND SELLING DURING THE COVID-19 OUTBREAK
Registers of Scotland issued an update on digital submissions. They stated:-
Following on from our recent updates, we can confirm we are making good progress on providing a digital submission solution for advance notices, as quickly as possible.
As many of you will be aware we have a panel of customers that we work with to test new products and services (our UX panel) and have today sent a survey to this group, to help us identify what technology customers have access to whilst working from home, and the systems they are working with, to help us shape the digital submissions offer.
Not sure they needed a survey to answer that! Think the answer will be that they all have access to the internet and thus can communicate via the existing Registers of Scotland portal or indeed by e-mail. Let’s move quicker than this please Registers of Scotland. Surely as the existing submission of advance notices (where no plans are involved) is done through that portal it is not Rocket Science to use the same portal and existing system but just add an upload button to allow PDF versions of the relative plan to be uploaded?
Dot Mullally (@dispositiondot) sensibly suggested:-
Can we not just digitally submit the deeds? You just scan them and send them back to us now anyway?
What I suggested at the outset. What the Office of the Public Guardian has done for years with registering Powers of Attorney. What even banks are going to be doing with cheques. Keep up Registers of Scotland. Everybody is already on top of this.
Update #12 – 1 April 2020
April Fools day and here is hoping no one makes a joke about digital submission now being possible.
Ron Hastings (@HastingsHouses) commented on the action by Registers of Scotland to close down last week:-
Is it too much to ask that a vital service be maintained and not just pulled putting the market, buyers and sellers, lenders and solicitors into a spin? Any business would consider health and safety of staff a priority but take steps to protect. Closing seems an over reaction.
The Lending Channel (@LendingChannel) highlighted financial disadvantages being encountered:-
Really need to find a solution ASAP for those 2nd charge clients currently being disadvantaged because they can’t complete loans due to the record being closed.
Registers of Scotland highlighted that the Emergency Coronavirus (Scotland) Bill was published yesterday by the Scottish Government.
Relevant to the closure of Registers of Scotland last week, the Bill contains provisions that if passed will:-
- enable the property registers to continue to function and accept new applications
- extend the existing 35 day period that an Advance Notice provides to applicants for a period of 10 days after the registers are fully reopened allowing essential property transactions already in progress to proceed to settlement
- allow people to submit applications for registration to the property registers digitally while the Registers of Scotland are temporarily unable to receive applications by post
These provisions if enacted will alleviate the problems encountered by home movers over the past week. Although it most be remembered that, in any event, the Government have urged people to delay moving to a new home while stay-at-home measures are in place.
Lauren (@Lauren_MCL18), who I featured in the original blog post from 24 March above, had good news:-
After a week of stress we are finally in our house! 🏡🥂 massive thanks to our lawyer, MacMic, @RegistersOfScot and everyone who helped!!
Again, like Nadine’s case from yesterday, I am unsure why it has been taking Registers of Scotland a full week to resolve these cases.
Update #13 – 2 April 2020
Whilst some were managing to settle transactions over the past couple of days (presumably because Registers of Scotland eventually allowed their interim measures to apply to those cases) others were still in limbo. Tanya (@SolidlyInvest) tweeted:-
Only thing stopping me move is @RegistersOfScot not currently being able to accept digital docs so I can protect myself once I buy, until full register open again. No mortgage, moving into empty property, no removal service needed.
I assume that Tanya had a Sasine to Land Register case with no solution in place as yet from Registers of Scotland to allow for digital registration of Advance Notices.
Registers of Scotland tried to comfort Tanya:-
Have you seen our latest update Tanya? We have been user testing the digital process end-to-end and we are happy to announce that we are working at pace, to develop and deliver a digital submissions solution for advance notices.
That update from Registers of Scotland was published after Tanya’s tweet. The update reads:-
Our work continues at pace, to develop and deliver a digital submissions solution for advances notices.
Since our last update user research has been continuing, to design the digital process for customers and Registers of Scotland staff to provide digital submissions.
We are pleased to report that we have successfully tested the technical solution (with user experience panel customers) on a real life case, end to end.
The testing will continue and we hope to be able to update you on our estimated timeline for the new process later this week.
No real change from last week then. They are still working on a digital solution. Presumably also one that can only come into play once the Emergency Coronavirus (Scotland) Bill is enacted in any event.
Update #14 – 3 April 2020
Another day (Friday) and the end of another business week. Good news. Registers of Scotland have a digital solution launching on Monday 6 April 2020 to allow registration of Advance Notices where a plan requires to be submitted. Their announcement about this major development reads:-
Following the introduction of the Coronavirus (Scotland) Bill 2020 we are delighted to confirm the public beta launch of our new solution for digitally submitting advance notices.
The new online service will launch on Monday 6 April 2020, and replaces our interim process.
If a case must settle on Monday 6 April (and we would remind solicitors of the Scottish Government guidance), you should submit via the advance notice interim process currently in place by 3pm today, where the team will make their best endeavours to process.
We will be accepting digital uploads of advance notices for First Registration (FR) and Transfers of Part (TP).
The process for Dealings of Whole (DW) applications is already digital and remains the same.
You will be able to complete and download your advance notice in the usual way, then upload and submit it to us via our beta service.
View a demo of the submission process below:
Only submit onto this new system on the day you need to so as not to impact functionality.
The timeline for the new system mirrors how advance notices were processed on paper and is as follows:
- Day 1 advance notice is uploaded and submitted
- Day 2 advance notice is processed
- Day 3 advance notice is available on ScotLIS
If you need an advance notice quicker than the 3 day timeline above you can call our customer service team (0800 169 9391) who will, as always, do their best to assist.
When using this new process, please consider your settlement date and allow 3–4 days to ensure there are no issues or delays.
So a simple upload button for the plan as suggested by me previously (e.g. see Update #11 – 31 March 2020 above).
But this does not cure other issues that home movers are still experiencing. For example Luke (@doclukin) asked Registers of Scotland:-
Hi are there any other digital solutions planned. Told we are waiting on deed of conditions to be submitted to complete our purchase, will this be possible?
That particular issue, whilst Registers of Scotland remains closed to paper applications, will require a digital solution to registering deeds and not just advance notices. Hopefully that will also be achieved by the addition of application and deed upload buttons on the Registers of Scotland portal or maybe even simply by e-mail submission. With the passing of the Coronavirus (Scotland) Act 2020 that will hopefully now become a reality sooner rather than later.