Hi

We went out of our way to make sure our property was legal and all paperwork correct etc when we purchased some 7 years ago, but it would now appear that most of the properties where we are seem to be illegal and are having to go through the process to make them legal now under this new process of making illegal properties legal.

Our solicitor (who we still use) told use at the time that everything was in place and as it should be and even went as far as going to the Town Hall at Almeria to ensure all paperwork etc was in place. The properties are still not on the Cadastro (ours included) and despite trying to follow this up many times we have had no joy - we have been told that the original seller simply 'failed' to enter the segregation papers properly but it was not an issue as it was all sorted out properly anyway. We have signed and registered copies of the segregation papers ourselves.

We have looked into again and it would appear the Solicitor was awaiting the final certification papers from the electrician, plumber and final certificate from the Architect as well as the first habitation licence from the promoter as the electric and water were already installed and 'on' - and we understood that all of these would have been insitu and given to the Bank for a mortgage to be agreed - is this correct?

If this documentation was not available or not provided, the mortgage would not have been granted - yes or no?

If this is the case and the paperwork was NOT insitu, how can a mortgage have been agreed?

If the property is illegal, with a mortgage on it, who is responsible??