Solve this mystery...?
January 2, 2017 11:44am CST
I took a home loan about 13 odd years ago, and since final payment was within my reach, I repaid it last month... I went to collect the document..which as per laws is scanned in our state. Now, 1st page in normal documents is a stamp paper, second page and other pages need not be. Behind first page, the vendor and vendee sign and affix their thumb impressions and Registrar becomes the witness. The document they were returning had first page missing, instead there was a photocopy of that page without any thumb impressions, signatures, etc. on the back. I refused to collect the document, and insisted that they report it as lost and issue notices in newspapers, and furnish FIR report, advertisement, EC... My position is weak here, I know...I have repaid the entire home loan. But their reputation is also at stake. I am left to wonder how it could have happened since banker would not have accepted any document like that...did any employee try to be too smart? Just dread the thought of work involved in getting the thing moving.
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Moreover, I did not take the copy of my document there. The first page (photocopied page) has only the names of the vendors. If that is so, they can pick the photocopied page of any other document from the same project and attach it to mine...right? I am told I need to approach the police along with the banker ..tell them how it was lost or misplaced at the banker's end...publish notice in the newspapers...and after giving decent period ...to anybody else, to come forward, to pick it, obtain a certified copy. It still reduces the resale price of my property because how can people be confident that this entire thing really happened? I am dreading this work...
@vandana7 I do not understand exactly the problem. If it is about a loan contract now paid, the bank can give you a certificate telling that you paid it ??? If it is a property deed, the state do not keep a copy of property deeds in your country ? They keep a copy of any property deed since 1790 in my country, to tax people, and anyone can obtain a certified copy for a few euros from the tax administration. We cannot sell a land or a house with a private deed here, and the notary would also be able to deliver a copy.
I think what happened is they dumped a lot of papers for organizing them..and by mistake the first page which contains the vendors names in front and important details behind went away with other documents...while lifting. To kind of solve the problem, they pulled up similar property and took a photo copy of it, and affixed it on top of my document...and were even trying to hand it over to me thinking I was stupid enough and their problems due to carelessness would be resolved. As things stand its a property so they need to correct the situation in stipulated way.
@vandana7 Yes they should. Its your right. And its their responsibility. I worked in a bank for few months before and sometimes people that were sorting it out and filing weren't bank peoples but just an intern or two. When filing lots of papers all day they were turning to be like any other papers.
There is a lot of work involved. First we have to obtain EC..then get the banker to report loss of document while in their custody to the police, and then publish in two dailies..giving 21 days notice...and once that is done, apply for certified copy of the document.
• United States
Since they cannot find the original paperwork, I'd demand them to find it. In addition to not being able to find it, create new paperwork stating your home is paid for with thumb impressions, signatures, and so forth with the addition of upper management to handle the case! How can they NOW tell you after 13 years or so, when you paid off the home ~ they're missing the copy?! If you haven't had paid your home yet.. you'd never know this mystery. I hope it gets resolved or misplaced and found quickly!
You did the right thig not to accept the document and demand that they execute an affidavit of loss because the document got lost while in their custody. The annotation of cancellation of the mortage should be on the original of the document.
I believe while lifting the document the first paper fell away. I also believe that they have used somebody else's document's first page and affixed it there because only vendors' names are there on the first page. Without registration number evidence, I am not accepting that...it is very clear that the page that the affixed on the top had multiple staples...it implies that somebody did tamper with it.