Aug 21 • General discussion
OFFICIAL GOVERNMENT FINDING — LAND REGISTRY ERROR
Who confirmed it?
Christine Farrell — the official Director of Land Registration & Registrar of Titles for Northern Ireland Government (Land & Property Services, Department of Finance).
What did she confirm?
Your mortgage deed names the true lender (for example, “Halifax plc”).
Your Land Registry entry may show a “trading as” version (like “Halifax t/a BM”) which is not in the deed.
She certified: “The register stamp does not match the deed.”
Does the HBOS Act fix it?
No. She confirms:
– The HBOS Act 2006 does not override local land law.
– It cannot change your deed or backdate a name change.
Is this just her opinion?
No. She holds statutory power under the Land Registration Act (NI) 1970.
Her finding is the official government position unless a court overturns it.
What else does it prove?
– Many borrowers were never told about the morph name. This is a GDPR breach.
– Data was processed under an undisclosed controller. You can claim.
– If a bank used the morph in court, that is misrepresentation.
– Fraud suspends time limits (Limitation Act 1980 section 32).
Your rights:
The register must match your deed exactly.
If wrong: demand correction and statutory compensation.
Report the data breach to ICO, FOS or DPC.
Official statutes:
Northern Ireland: LRA 1970 sections 69–73
England & Wales: LRA 2002 Schedules 4 and 8
Scotland: LR(S)A 2012 sections 80 and 103
Republic of Ireland: RTA 1964 sections 32 and 120
Proven by:
Official Stage 2 Response (3 June 2025)
How to act:
Check your deed and register. Demand correction. Claim indemnity. Report breach
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OFFICIAL GOVERNMENT FINDING — LAND REGISTRY ERROR
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