P C (Baleares)
When you purchased your flat, you signed the deed at a Spanish Notary, at the same time you signed the mortgage deed. This Notary has your original title deed in his computer. The bank has an authorised copy. The piece of paper is not important. Go to the Notary and get an authorised copy of your deed. Be alert. Even if your mortgage is paid, it is quite possible that the bank has not officially cancelled it in the Property Registry. The Notary or your lawyer can check on this. You might need to contact Halifax Lloyds Bank to find out. Try calling 902 024 365.