I am also trying to lodge a transfer from joint proprietors to tenants in common, the only issue being we have a mortgagee. We are not discharging the mortgage but simply changing the manner of holding. We cannot settle the matter as the "lodging instructions" that I had prepared allow me to make the Bank the issuing party for the title (which is an eCT already). My issue is that the instructions keep saying that their must be issuing instructions and the responsible subscriber needs to complete these. The Bank will not answer my "conversations" as to what needs to be done. Any advice as to what I need to do would be appreciated.
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