Scenario 2. Remortgage vendor test data
Note: Fee values used in this document are for example and are subject to change.
Scenario 2. remortgage
William Prynne and Tracey Prynne remortgage their home. The new mortage is for £206,000. The house is registered at HM Land Registry under title number ST500678. Tracey and William applied directly to their lender (Furness Building Society) for their mortgage and are not represented. The lender is represented by a conveyancer who submits the application to HM Land Registry. Tracey and William came into the new lender’s branch to confirm their identity with passports. The conveyancer ensures funds from the new mortgage is used to pay off the existing mortgage.
Documents required by HM Land Registry:
- AP1 (Alteration of register)
- Charge
HM Land Registry require the representation details for the borrowers and registering lender. Land Registry do not require representation details for the discharging lender as DS1 (Evidence of Discharge) is not submitted with the application.
Scenario 2A
At the time the application is submitted the existing lender (Abbey National PLC) has automatically completed an electronic DS1. The new charge will be added normally.
Scenario 2B
- At the time the application is submitted, if the conveyancer representing Furness Building Society is uncertain if the discharging lender has sent the DS1 to HM Land Registry. So it still make applications for both the discharge and charge. HMLR will requisition for evidence of discharge if it has not already been submitted via DS1 or alternatively it can be completed via early completion.
2.1 Main flow to request official copy with a register extract using the title number.
This is not necessary for usual every day use but just for showing the register in the ‘before’ state.
- Test: Register extract service using ticket number 01
- Test purpose: This will return the ‘before application’ register and extracted data
| Field group | Field name | Input | Expected output |
|---|---|---|---|
| Login details | User ID | BGUser001 |
|
| Login details | Password | landreg001 |
|
| Login details | User locale | En |
|
| Login details | Additional provider filter | Any schema valid value |
|
| Login details | Message ID | scenario2 |
|
| Login details | Title number | ST500678 |
|
| Login details | Gross price amount | Any valid price |
|
| Login details | External reference | Any valid reference |
|
| Login details | Customer reference | Any valid reference |
|
| Login details | Continue if title is closed and continued | FALSE |
|
| Login details | Notify if pending first registration | FALSE |
|
| Login details | Notify if pending application | FALSE |
|
| Login details | Send back dated | FALSE |
|
| Login details | Continue if actual fee exceeds expected fee | FALSE |
|
| Login details | Include title plan | FALSE |
|
2.2 Electronic document registration services
Send the AP1.
Note: If a different messageId is used, the return will use the default ABR (Application Barcode Reference) of A123BCD. The UniqueId will reflect the messageId sent in the request.
<ns3:eDocumentRegistration xmlns:ns2="http://www.oscre.org/ns/eReg-Final/2012/RequestApplicationToChangeRegisterV2_1" xmlns:ns3="http://drsv2_1.ws.bg.lr.gov/">
<arg0>
<ns2:AdditionalProviderFilter>Solsdotcom</ns2:AdditionalProviderFilter>
<ns2:MessageId>scenario2</ns2:MessageId>
<ns2:ExternalReference>GS/Prynne</ns2:ExternalReference>
<ns2:Product>
<ns2:Reference>GS/Prynne</ns2:Reference>
<ns2:TotalFeeInPence>9000</ns2:TotalFeeInPence>
<ns2:Email>gavinsmith@parkersllp.com</ns2:Email>
<ns2:TelephoneNumber>01733288606</ns2:TelephoneNumber>
<ns2:AP1WarningUnderstood>true</ns2:AP1WarningUnderstood>
<ns2:ApplicationDate>2012-02-08</ns2:ApplicationDate>
<ns2:DisclosableOveridingInterests>false</ns2:DisclosableOveridingInterests>
<ns2:Titles>
<ns2:Dealing>
<ns2:DealingTitles>
<ns2:TitleNumber>ST500678</ns2:TitleNumber>
</ns2:DealingTitles>
</ns2:Dealing>
</ns2:Titles>
<ns2:Applications>
<ns2:ChargeApplication>
<ns2:Priority>1</ns2:Priority>
<ns2:Value>2</ns2:Value>
<ns2:FeeInPence>9000</ns2:FeeInPence>
<ns2:Document>
<ns2:CertifiedCopy>Original</ns2:CertifiedCopy>
</ns2:Document>
<ns2:ChargeDate>2012-01-01</ns2:ChargeDate>
<ns2:MDRef>MD431C</ns2:MDRef>
</ns2:ChargeApplication>
</ns2:Applications>
<ns2:SupportingDocuments>
<ns2:SupportingDocument>
<ns2:CertifiedCopy>Original</ns2:CertifiedCopy>
<ns2:DocumentId>3</ns2:DocumentId>
<ns2:DocumentName>Identity Form</ns2:DocumentName>
</ns2:SupportingDocument>
<ns2:SupportingDocument>
<ns2:CertifiedCopy>Original</ns2:CertifiedCopy>
<ns2:DocumentId>4</ns2:DocumentId>
<ns2:DocumentName>Identity Form</ns2:DocumentName>
</ns2:SupportingDocument>
</ns2:SupportingDocuments>
<ns2:Representations>
<ns2:LodgingConveyancer>
<ns2:RepresentativeId>3</ns2:RepresentativeId>
</ns2:LodgingConveyancer>
<ns2:IdentityEvidence>
<ns2:RepresentativeId>1</ns2:RepresentativeId>
</ns2:IdentityEvidence>
</ns2:Representations>
<ns2:Parties>
<ns2:Party representativeId="1">
<ns2:IsApplicant>false</ns2:IsApplicant>
<ns2:Person>
<ns2:Forenames>William</ns2:Forenames>
<ns2:Surname>Prynne</ns2:Surname>
</ns2:Person>
<ns2:Roles>
<ns2:Role>
<ns2:RoleType>Borrower</ns2:RoleType>
<ns2:Priority>1</ns2:Priority>
</ns2:Role>
</ns2:Roles>
<ns2:AddressForService>
<ns2:AddressForServiceOption>B1</ns2:AddressForServiceOption>
</ns2:AddressForService>
</ns2:Party>
<ns2:Party representativeId="1">
<ns2:IsApplicant>false</ns2:IsApplicant>
<ns2:Person>
<ns2:Forenames>Tracey</ns2:Forenames>
<ns2:Surname>Prynne</ns2:Surname>
</ns2:Person>
<ns2:Roles>
<ns2:Role>
<ns2:RoleType>Borrower</ns2:RoleType>
<ns2:Priority>1</ns2:Priority>
</ns2:Role>
</ns2:Roles>
<ns2:AddressForService>
<ns2:AddressForServiceOption>B1</ns2:AddressForServiceOption>
</ns2:AddressForService>
</ns2:Party>
<ns2:Party representativeId="3">
<ns2:IsApplicant>true</ns2:IsApplicant>
<ns2:Company>
<ns2:CompanyName>Furness Building Society</ns2:CompanyName>
<ns2:CompanyRegistrationNumber>2294747</ns2:CompanyRegistrationNumber>
</ns2:Company>
<ns2:Roles>
<ns2:Role>
<ns2:RoleType>Lender</ns2:RoleType>
<ns2:Priority>1</ns2:Priority>
</ns2:Role>
</ns2:Roles>
</ns2:Party>
</ns2:Parties>
<ns2:ApplicationAffects>WHOLE</ns2:ApplicationAffects>
</ns2:Product>
</arg0>
</ns3:eDocumentRegistration>
Response from the gateway
<ns3:eDocumentRegistrationResponse xmlns:ns3="http://drsv2_0.ws.bg.lr.gov/" xmlns:ns2="http://www.oscre.org/ns/eReg-Final/2012/RequestApplicationToChangeRegisterV2_0" xmlns:ns4="http://www.oscre.org/ns/eReg-Final/2012/ResponseApplicationToChangeRegisterV2_0">
<return>
<ns4:GatewayResponse>
<ns4:TypeCode>10</ns4:TypeCode>
<ns4:Acknowledgement>
<ns4:UniqueID>scenario2</ns4:UniqueID>
<ns4:MessageDescription>Your application has been accepted</ns4:MessageDescription>
<ns4:PriorityDateTime>server time here</ns4:PriorityDateTime>
<ns4:ABR> E897UVC</ns4:ABR>
</ns4:Acknowledgement>
</ns4:GatewayResponse>
</return>
</ns3:eDocumentRegistrationResponse>
2.3 Attachment
For this scenario the attachment can be called once for the charge.
<ns3:newAttachment xmlns:ns1="http://www.oscre.org/ns/eReg-Final/2012/RequestAttachmentV2_1" xmlns:ns3="http://attachmentv2_1.ws.bg.lr.gov/">
<arg0>
<ns1:AdditionalProviderFilter>Solsdotcom</ns1:AdditionalProviderFilter>
<ns1:MessageId>any message id here</ns1:MessageId>
<ns1:ExternalReference>CP/Parrett/Jenkins</ns1:ExternalReference>
<ns1:ApplicationMessageId>any message id here</ns1:ApplicationMessageId>
<ns1:ApplicationService>104</ns1:ApplicationService>
<ns1:AttachmentId>1</ns1:AttachmentId>
<ns1:CertifiedCopy>Original</ns1:CertifiedCopy>
<ns1:Attachment>Byte Array goes here</ns1:Attachment>
</arg0>
</ns3:newAttachment>
Attachment request using notes
<ns3:newAttachment xmlns:ns1="http://www.oscre.org/ns/eReg-Final/2012/RequestAttachmentV2_1" xmlns:ns3="http://attachmentv2_1.ws.bg.lr.gov/">
<arg0>
<ns1:AdditionalProviderFilter>Solsdotcom</ns1:AdditionalProviderFilter>
<ns1:MessageId>any message id here</ns1:MessageId>
<ns1:ExternalReference>CP/Parrett/Jenkins</ns1:ExternalReference>
<ns1:ApplicationMessageId>any message id here</ns1:ApplicationMessageId>
<ns1:ApplicationService>104</ns1:ApplicationService>
<ns1:Notes>any note here</ns1:Notes>
</arg0>
</ns3:newAttachment>
Attachment response
<ns3:newAttachmentResponse xmlns:ns3="http://attachmentv2_1.ws.bg.lr.gov/" xmlns:ns1="http://www.oscre.org/ns/eReg-Final/2012/RequestAttachmentV2_1" xmlns:ns4="http://www.oscre.org/ns/eReg-Final/2012/ResponseAttachmentV2_0">
<return>
<ns4:GatewayResponse>
<ns4:TypeCode>10</ns4:TypeCode>
<ns4:Acknowledgement>
<ns4:UniqueID>anyxvbxvbc</ns4:UniqueID>
<ns4:MessageDescription>Your attachment has been received</ns4:MessageDescription>
</ns4:Acknowledgement>
</ns4:GatewayResponse>
</return>
</ns3:newAttachmentResponse>
Once the application has been processed a poll request for the completed application can be made. For the test stubs this has already been processed and so the poll can be completed at anytime. For the live service it will be expected that the outstanding request service will be used to validate the response. Confirming that the response has been generated, and is ready for collection.
Scenario 2 has two outcomes
- polling for the response 2a will simulate the old lenders (Abbey National) having sent in an automated discharge for their charge
- polling for the response 2b will simulate the old lenders not yet having sent the discharge in. The title will end up still holding this old charge along with the new charge (Furness Building Society)
2.4 Electronic document registration poll service
Poll request for scenario 2a
<ns3:getResponse xmlns:ns2="http://www.oscre.org/ns/eReg/MR01-20090605/PollRequest" xmlns:ns3="http://poll.drsv2_1.ws.bg.lr.gov/">
<arg0>
<ns2:ID>
<ns2:MessageID>pollscenario2a</ns2:MessageID>
</ns2:ID>
</arg0>
</ns3:getResponse>
Response from the gateway for scenario 2a
<ns3:getResponseResponse xmlns:ns3="http://poll.drsv2_1.ws.bg.lr.gov/" xmlns:ns2="http://www.oscre.org/ns/eReg/MR01-20090605/PollRequest" xmlns:ns4="http://www.oscre.org/ns/eReg-Final/2012/ResponseApplicationToChangeRegisterV2_0">
<return>
<ns4:GatewayResponse>
<ns4:TypeCode>30</ns4:TypeCode>
<ns4:Results>
<ns4:MessageDetails>Your application has been processed </ns4:MessageDetails>
<ns4:ExternalReference>GS/Prynne</ns4:ExternalReference>
<ns4:ActualFee>5000</ns4:ActualFee>
<ns4:FeeAdjusted>false</ns4:FeeAdjusted>
<ns4:EarlyCompletionIndicator>false</ns4:EarlyCompletionIndicator>
<ns4:AdditionalDespatchItemsIndicator>false</ns4:AdditionalDespatchItemsIndicator>
<ns4:ResultTypeCode>10</ns4:ResultTypeCode>
<ns4:DespatchDocument ns4:filename="Land Registry Documents.zip" ns4:format="zip">byte array removed for space but will be in the stub service for decoding</ns4:DespatchDocument>
<ns4:XmlRegisters>
<ns4:TitleNumber>ST500678</ns4:TitleNumber>
<ns4:OCSummaryData>
<ns4:OfficialCopyDateTime>2012-05-25T14:05:13</ns4:OfficialCopyDateTime>
<ns4:EditionDate>2012-05-25</ns4:EditionDate>
<ns4:PropertyAddress>
<ns4:AddressLine>
<ns4:Line>83 Fore Street</ns4:Line>
<ns4:Line>Exeter</ns4:Line>
</ns4:AddressLine>
</ns4:PropertyAddress>
<ns4:Title>
<ns4:TitleNumber>ST500678</ns4:TitleNumber>
<ns4:ClassOfTitleCode>10</ns4:ClassOfTitleCode>
<ns4:CommonholdIndicator>false</ns4:CommonholdIndicator>
<ns4:TitleRegistrationDetails>
<ns4:DistrictName>TAUNTON DEANE</ns4:DistrictName>
<ns4:AdministrativeArea>SOMERSET </ns4:AdministrativeArea>
<ns4:LandRegistryOfficeName>Plymouth Office </ns4:LandRegistryOfficeName>
<ns4:LatestEditionDate>2012-05-25</ns4:LatestEditionDate>
<ns4:RegistrationDate>2012-04-17</ns4:RegistrationDate>
</ns4:TitleRegistrationDetails>
</ns4:Title>
<ns4:RegisterEntryIndicators>
<ns4:AgreedNoticeIndicator>false</ns4:AgreedNoticeIndicator>
<ns4:BankruptcyIndicator>false</ns4:BankruptcyIndicator>
<ns4:CautionIndicator>false</ns4:CautionIndicator>
<ns4:CCBIIndicator>false</ns4:CCBIIndicator>
<ns4:ChargeeIndicator>true</ns4:ChargeeIndicator>
<ns4:ChargeIndicator>true</ns4:ChargeIndicator>
<ns4:ChargeRelatedRestrictionIndicator>false</ns4:ChargeRelatedRestrictionIndicator>
<ns4:ChargeRestrictionIndicator>false</ns4:ChargeRestrictionIndicator>
<ns4:CreditorsNoticeIndicator>false</ns4:CreditorsNoticeIndicator>
<ns4:DeathOfProprietorIndicator>false</ns4:DeathOfProprietorIndicator>
<ns4:DeedOfPostponementIndicator>false</ns4:DeedOfPostponementIndicator>
<ns4:DiscountChargeIndicator>false</ns4:DiscountChargeIndicator>
<ns4:EquitableChargeIndicator>false</ns4:EquitableChargeIndicator>
<ns4:GreenOutEntryIndicator>false</ns4:GreenOutEntryIndicator>
<ns4:HomeRightsChangeOfAddressIndicator>false</ns4:HomeRightsChangeOfAddressIndicator>
<ns4:HomeRightsIndicator>false</ns4:HomeRightsIndicator>
<ns4:LeaseHoldTitleIndicator>false</ns4:LeaseHoldTitleIndicator>
<ns4:MultipleChargeIndicator>false</ns4:MultipleChargeIndicator>
<ns4:NonChargeRestrictionIndicator>false</ns4:NonChargeRestrictionIndicator>
<ns4:NotedChargeIndicator>false</ns4:NotedChargeIndicator>
<ns4:PricePaidIndicator>false</ns4:PricePaidIndicator>
<ns4:PropertyDescriptionNotesIndicator>false</ns4:PropertyDescriptionNotesIndicator>
<ns4:RentChargeIndicator>false</ns4:RentChargeIndicator>
<ns4:RightOfPreEmptionIndicator>false</ns4:RightOfPreEmptionIndicator>
<ns4:ScheduleOfLeasesIndicator>false</ns4:ScheduleOfLeasesIndicator>
<ns4:SubChargeIndicator>false</ns4:SubChargeIndicator>
<ns4:UnidentifiedEntryIndicator>false</ns4:UnidentifiedEntryIndicator>
<ns4:UnilateralNoticeBeneficiaryIndicator>false</ns4:UnilateralNoticeBeneficiaryIndicator>
<ns4:UnilateralNoticeIndicator>false</ns4:UnilateralNoticeIndicator>
<ns4:VendorsLienIndicator>false</ns4:VendorsLienIndicator>
</ns4:RegisterEntryIndicators>
<ns4:Proprietorship>
<ns4:CurrentProprietorshipDate>2012-04-17</ns4:CurrentProprietorshipDate>
<ns4:RegisteredProprietorParty>
<ns4:PrivateIndividual>
<ns4:Name>
<ns4:ForenamesName>William</ns4:ForenamesName>
<ns4:SurnameName>Prynne</ns4:SurnameName>
</ns4:Name>
</ns4:PrivateIndividual>
<ns4:Address>
<ns4:AddressLine>
<ns4:Line>83 Fore Street</ns4:Line>
<ns4:Line>Exeter</ns4:Line>
<ns4:Line>Somerset</ns4:Line>
</ns4:AddressLine>
</ns4:Address>
</ns4:RegisteredProprietorParty>
<ns4:RegisteredProprietorParty>
<ns4:PrivateIndividual>
<ns4:Name>
<ns4:ForenamesName>Tracey</ns4:ForenamesName>
<ns4:SurnameName>Prynne</ns4:SurnameName>
</ns4:Name>
</ns4:PrivateIndividual>
<ns4:Address>
<ns4:AddressLine>
<ns4:Line>83 Fore Street</ns4:Line>
<ns4:Line>Exeter</ns4:Line>
<ns4:Line>Somerset</ns4:Line>
</ns4:AddressLine>
</ns4:Address>
</ns4:RegisteredProprietorParty>
</ns4:Proprietorship>
<ns4:Charge>
<ns4:ChargeEntry>
<ns4:ChargeID>1</ns4:ChargeID>
<ns4:ChargeDate>2012-05-22</ns4:ChargeDate>
<ns4:RegisteredCharge>
<ns4:EntryDetails>
<ns4:EntryNumber>1</ns4:EntryNumber>
<ns4:EntryText>REGISTERED CHARGE dated 22 May 2012.</ns4:EntryText>
<ns4:RegistrationDate>2012-05-25</ns4:RegistrationDate>
<ns4:SubRegisterCode>C</ns4:SubRegisterCode>
<ns4:Infills>
<ns4:ChargeDate>2012-05-22</ns4:ChargeDate>
</ns4:Infills>
</ns4:EntryDetails>
</ns4:RegisteredCharge>
<ns4:ChargeProprietor>
<ns4:ChargeeParty>
<ns4:Organization>
<ns4:Name>Furness Building Society</ns4:Name>
</ns4:Organization>
<ns4:Address>
<ns4:PostcodeZone>
<ns4:Postcode>LA14 1RT</ns4:Postcode>
</ns4:PostcodeZone>
<ns4:AddressLine>
<ns4:Line>51-55 Duke Street</ns4:Line>
<ns4:Line>Barrow-in-Furness</ns4:Line>
<ns4:Line>Cumbria</ns4:Line>
</ns4:AddressLine>
</ns4:Address>
</ns4:ChargeeParty>
<ns4:EntryDetails>
<ns4:EntryNumber>2</ns4:EntryNumber>
<ns4:EntryText>Proprietor: FURNESS BUILDING SOCIETY of 51-55 Duke Street, Barrow-in-Furness, Cumbria LA14 1RT.</ns4:EntryText>
<ns4:RegistrationDate>2012-05-25</ns4:RegistrationDate>
<ns4:SubRegisterCode>C</ns4:SubRegisterCode>
</ns4:EntryDetails>
</ns4:ChargeProprietor>
</ns4:ChargeEntry>
</ns4:Charge>
<ns4:DocumentDetails>
<ns4:Document>
<ns4:DocumentType>50</ns4:DocumentType>
<ns4:DocumentDate>2012-05-25</ns4:DocumentDate>
<ns4:EntryNumber>C1</ns4:EntryNumber>
<ns4:EntryNumber>C2</ns4:EntryNumber>
<ns4:PlanOnlyIndicator>false</ns4:PlanOnlyIndicator>
<ns4:RegisterDescription>Charge</ns4:RegisterDescription>
</ns4:Document>
</ns4:DocumentDetails>
</ns4:OCSummaryData>
<ns4:XmlRegisterData>
<ns4:TitleNumber>ST500678</ns4:TitleNumber>
<ns4:PropertyRegister>
<ns4:DistrictDetails>
<ns4:EntryText>SOMERSET : TAUNTON DEANE</ns4:EntryText>
</ns4:DistrictDetails>
<ns4:RegisterEntry>
<ns4:EntryNumber>1</ns4:EntryNumber>
<ns4:EntryDate>2012-04-17</ns4:EntryDate>
<ns4:EntryType>Property Description</ns4:EntryType>
<ns4:EntryText>The Freehold land shown edged with red on the plan of the above title filed at the Registry and being 83 Fore Street, Exeter.</ns4:EntryText>
</ns4:RegisterEntry>
</ns4:PropertyRegister>
<ns4:ProprietorshipRegister>
<ns4:RegisterEntry>
<ns4:EntryNumber>1</ns4:EntryNumber>
<ns4:EntryDate>2012-04-17</ns4:EntryDate>
<ns4:EntryType>Proprietor</ns4:EntryType>
<ns4:EntryText>PROPRIETOR: WILLIAM PRYNNE and TRACEY PRYNNE of 83 Fore Street, Exeter, Somerset.</ns4:EntryText>
</ns4:RegisterEntry>
</ns4:ProprietorshipRegister>
<ns4:ChargesRegister>
<ns4:RegisterEntry>
<ns4:EntryNumber>1</ns4:EntryNumber>
<ns4:EntryDate>2012-05-25</ns4:EntryDate>
<ns4:EntryType>Registered Charges</ns4:EntryType>
<ns4:EntryText>REGISTERED CHARGE dated 22 May 2012.</ns4:EntryText>
</ns4:RegisterEntry>
<ns4:RegisterEntry>
<ns4:EntryNumber>2</ns4:EntryNumber>
<ns4:EntryDate>2012-05-25</ns4:EntryDate>
<ns4:EntryType>Chargee</ns4:EntryType>
<ns4:EntryText>Proprietor: FURNESS BUILDING SOCIETY of 51-55 Duke Street, Barrow-in-Furness, Cumbria LA14 1RT.</ns4:EntryText>
</ns4:RegisterEntry>
</ns4:ChargesRegister>
</ns4:XmlRegisterData>
</ns4:XmlRegisters>
</ns4:Results>
</ns4:GatewayResponse>
</ns3:getResponseResponse>