Registered in Scotland No. All the new support you need to submit an application. Send borrower clients copies of redemption statements so that they can check that all the mortgages/loans intended to be redeemed are included. or have the borrower's written authority to request a redemption The redemption statement will detail At Birmingham Midshires, it's business as usual. A Birmingham Midshires mortgage application may take as much as 4 weeks to complete but this all depends on your own individual circumstances. An electronic discharge is different to an e-DS1. An electronic discharge does not require a separate formal paper application to discharge the charge, nor does it need any manual intervention. As a conveyancer or You are responsible for paying any tax due to HM Revenue and Customs. This site is intended for UK residents unless otherwise stated. Like most mortgage providers, Birmingham Midshires offers tracker rate mortgages. A different marketing name is just used. If you are impacted by this change, we will write to you in the following weeks to explain what's changed, including your new account number. Calls may be monitored and recorded for security and training purposes. Our Intermediary Service Support team are available 9am to 5pm Monday Friday with the exception of Wednesday when they are available 10am to 5pm. Financial Services Register number 169628. You may be able to access mortgages on Birmingham Midshires Mortgages mortgages with up to 95% Loan to value (LTV). To ask us for the total amount needed to repay your mortgage, please call to request a redemption statement on 0345 300 2627. Sign up for our weekly roundup of the latest on inclusive behaviours in the workplace. Our solicitor says this can take a few days whereas the agent says it can be faxed the same day. The info on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. Registered in Scotland No. Please send the original death certificate or a verified copy to our Bereavement Service Centre at the address below: Birmingham Midshires PO Box 81 Pendeford Business Park Wobaston Road Wolverhampton WV9 5HZ Step 2: What happens next. We are not Birmingham Midshires, Before proceeding, please describe yourself. the information contained on this site, to be used with or to advise private clients, Over the phone. Wobaston Road It also suggests certain practical measures designed to reduce problems in this area. The Lloyds Banking Group was formed in January 2009 following the merger of Lloyds TSB and HBOS. Your interest is calculated on a daily basis, which means that the number of days in each individual month determine the number of days' worth of interest charged. the figure for repaying today is about 120 less than the 1st December figure, which apparently also takes into account the payment due. You won't need to take any action and we'll write to you to confirm the changes. We will ask you what date you want to repay your mortgage so we can give you an exact figure that includes all costs and charges up to that date. To contact the FCA Consumer helpline, please ring 0800 111 6768. Solicitors/conveyancers should make it their normal practice to check redemption figures Birmingham Midshires and indeed any lender and seek authorisation to make payment by sending clients completion statements before completion which set out the sums to be paid to discharge mortgages and the net proceeds of the transaction. Alternatively call the Money Advice Service on 0300 500 5000 or visit www.moneyadviceservice.org.uk. It makes sense for it being a bit more die to the interest, but surely it shouldn't be that much? The relevant part 2 section questions for Birmingham Midshires read: 17.2.1a Where do you send the discharge and repayment remittance? and 17.2.1b Does the lender send the discharge via a DS 1 form or direct with the Land Registry?. Your Passport Or drivers license for identification, Your SA302 tax calculation form(if you are self-employed), Your company accounts or self-employed accounts if you are self-employed. If you need to contact other banks about the bereavement, you can use the free Death Notification Service. Wolverhampton How long will it take for you to get a redemption statement from Birmingham Midshires ? utilized LENDERmonitor access codes at least twice a month for a period of six months. Registered in Scotland No. Click the ? Lines are open Monday to Friday between 9am and 6pm, excluding bank holidays. Your monthly payment amount may rise or fall if you change the day. This site is intended for UK residents unless otherwise stated. Login to your Account. Email: [email protected]. What happens when the interest rate changes? Any reference to our services or Plan/s above is limited to mortgages, loans, consumer credit and non-investment insurance contracts. Both electronic discharges and e-DS1s currently operate as standalone applications for discharge and both will, in time, form part of an integrated e-conveyancing system. any fees that are applicable such as an Early Repayment Charge (ERC) WV9 5HZ. icon to show help with using this Calculator, contact your Business Development Manager, Technical issues when keying a New application or Product Transfer. Managing your account Learn more about using your BM Savings account Staying secure online Read the latest advice on how to keep your personal information safe Need some help? A redemption statement details how much we require from you to close your loan account on or before a specified date. There are a number of reasons your mortgage balance may increase including: If your mortgage balance has decreased, this may be due to previous overpayments made. This guidance refers to some of the circumstances which can produce errors and problems, and the consequences which this can have for the solicitor in the conveyancing transaction. Calls may be monitored and recorded for security and training purposes. If you pay your mortgage by direct debit, you do not need to do anything as we will automatically change your payment from the date shown. Birmingham Midshires (BM Savings) is a division of Bank of Scotland plc. Choose My Signature. Decide on what kind of signature to create. Birmingham Midshires is a division of Bank of Scotland plc. Our tracker rate mortgages are linked to Bank of England Bank Rate (also known as Bank of England repo rate). Advice should always be taken from a suitably qualified adviser before entering Some types of buy to let mortgages are not regulated by the FCA. There are no immediate changes to your accounts or the terms and conditions of any of our products or services. This statement will confirm the exact amount, including any Accordingly, it is of importance to all lenders and covers: The guidance applies primarily to redemption of a mortgage on sale of the security and, consequently the lender's/seller's solicitor is required to give an undertaking to the buyer's solicitor that the charge will be discharged. Your questions about the Lloyds Banking Group How will this change affect me? Birmingham Midshires mortgages will consider this and let you know if you are eligible for their mortgage products. . For telephone line opening times, please read the information in our contact section. Redemption Statement Requests for other lenders than Birmingham Midshires During our Birmingham Midshires mortgage review, we discovered that as with most mortgage lenders when your fixed-rate mortgage deal ends you will be moved over to the mortgage lenders standard variable rate deal. Strictly Necessary. where you you have been retained by the borrower Telephone number 0345 850 5000. The payment won't leave your account until the day you specified when you set up the standing order. Tax free is the contractual rate of interest payable where interest is exempt from income tax. Once we receive the documents we will contact you with details about the account and how to pay the necessary bills (i.e. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We have put together a useful guide which might help you if you are in financial difficulties. Birmingham Midshires is a division of Bank of Scotland plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. You can user the search tool to see if there are any webinars on redemption statements. The lender can opt for a notification to be sent to them on completion of registration. If you would like more information please call us on 0345 300 2627 (our lines are open 8am to 8pm Monday to Friday and 9am to 1pm Saturday). Birmingham Midshires mortgages With effect from 11th September 2021, we are changing the way we manage some Birmingham Midshires mortgages. If you want to know the total amount needed to repay your mortgage, please call to request a redemption statement on 0345 727 3747. Birmingham Midshires If you are buying a property off plan e.g a new build property then you may need a mortgage in principle which lasts for several months and in some cases up to 12 months. We will then be happy to help you. Birmingham Midshires is a division of Bank of Scotland plc. Your new monthly payment will be calculated based on your new rate. Option 2 - If your business details have changed, you have forgotten your user ID, you require support in registering with us or wish to discuss our privacy notice. This is because every borrower may have different circumstances. Yes. These pages are for the use of those people who are resident and ordinarily Guidance to support existing customers and Product Transfer and Further Advance applications. It is completely automated between various computer systems. You have repaid your mortgage in full before any early repayment charges which were present on the account have expired. You should continue to do business with each organisation just as you've always done. Leeds, During our Birmingham Midshires mortgage review, we tried to come up with a sample list of documents you may be expected to have before applying for a mortgage in principle with Birmingham Midshires. Shared ownership- You can buy between 25% to 75% of the property initially with a shared ownership mortgage and then buy more using a. Please note we can only take debit card payments from customers named on the mortgage account. If your property is in Scotland you will need to instruct a solicitor to prepare discharge documents for the Registers of Scotland which will enable our charge to be removed. All electronic discharges will be sent via secure virtual private networks. You should check your key facts illustration for this or ask your mortgage adviser. Calls may be monitored and recorded for security and training purposes. Gross rate means that we will not deduct tax automatically from your interest. You should also be aware that all mortgage lenders in the UK are regulated by the FCA and so they have to meet certain minimum standards. *The Redemption Statement Service offered via this site is only available to firms regulated by CLC or SRA in England and Wales. If you do this, you may find it more convenient to set up a single payment - just call us and we can change this for you. BM Solutions Buy to Let Redemption Charges - 2 year products 10% overpayment allowed each year on all products Subject to change - Check your mortgage offer for details on your own mortgage contract BM Solutions Buy to Let Redemption Charges - 5 year products 10% overpayment allowed each year on all products Someone you trust can help you manage your account and money matters. The Bank of England Base Rate and your mortgage>. This is a document which your mortgage lender gives you to let you know how much you need to pay to settle your mortgage. Pendeford Business Park Alternatively call the Money Advice Service on 0300 500 5000 or visit www.moneyadviceservice.org.uk. your mortgage, contact Birmingham Midshires so that they can explain A. This will continue (although we will give you a new account number starting with "66"). If you need further time then you may be able to get an extension on your mortgage in principle. For example, January has 31 days and February has 28 days (or 29 in a leap year), this means the interest for each month will be different. If you are paying interest at the standard variable rate, your mortgage payments are likely to be affected by changes in these rates. E.g when will the last interest charge be placed. Calls may be monitored and recorded for security and training purposes. You may require this for information purposes or because you intend to close your account. Tracker rate mortgages essentially track the Bank of Englands (BoE) base interest rate and are priced usually a % above the BoE's base rate. Registrations from generic email domains such a gmail.com or btconnect.com will not be accepted. In asking for a redemption statement from Birmingham Midshires, a conveyancer should quote the expected repayment Number 10347447) with its registered office at 27 Old Gloucester Street, London, England, WC1N 3AX. Throughout our Birmingham Midshires mortgage review, we didnt find any reason to term Birmingham Midshires mortgages as a bad mortgage lender. If you're calling from outside the UK, please dial +441902 428 311. LS1 9PU. Q. Example: In Norwich, the local councils provide the Norwich home options scheme. With these mortgages, the rates are fixed for a period of 2, 3 or 5 years and provides you certainty over your Birmingham Midshires Mortgages mortgage for that time frame. The Bank of England has announced a change to the base rate. Cookie Policy, Bank of England bank rate: For more information on Lloyds Banking Group, visit the group website. Registrations from generic email domains such a gmail.com or btconnect.com will not be accepted. We will update your mortgage details and change the date we collect your future direct debits. A colleague in my firm recently attended a webinar on changes to the UK Finance Mortgage Lenders' Handbook for conveyancers. Birmingham Midshires | Savings accounts options You are here: Home Savings accounts Savings accounts options Our savings accounts at a glance ISAs (tax free savings) The maximum amount you can invest in the current tax year is 20,000. It is headquartered at Pendeford Business Park, Wolverhampton. Fax: 0333 240 6186. Will there be any change to my account with you? SC327000. Properties in Northern Ireland Title documents are required for all properties in Northern Ireland. To stay up to date with your mortgage, please call us Tax free is the contractual rate of interest payable where interest is exempt from income tax. I'm in the process of selling my house and my solicitor has forwarded me a copy of my mortgage redemption statement with Birmingham Midshires. If you're calling from outside the UK, please dial +441902 428 311. We will let you know as soon as your account is ready, Birmingham Midshires mortgages (A review). Why have you charged me an early repayment charge? Of course, from time to time we do make changes to our products. You should request this from Birmingham Midshires a minimum 5 working days ahead of the expected redemption date. Huuti cannot guarantee you will be offered any product, or the terms that may apply. The Bank of England has announced a change to the base rate. In our Birmingham Midshires mortgage review, we considered the various types of mortgages which Birmingham Midshires offered. Q. Our dedicated bereavement team will look into your case on an individual basis. Most mortgage lenders will insist that you have house insurance before they complete on the mortgage. Tax free is the contractual rate of interest payable where interest is exempt from income tax. and a Final Repayment Charge (FRC). Does the Lexsure Redemption Statement Service include updates as to when Birmingham Midshires change their contact details for requesting redemption figures? Alternatively, please contact us by telephone or letter and we will be happy to help you. If you are getting a remortgage on a non-standard construction property then you may find that it takes longer to get a remortgage. All the support you need with the processing of your application. This section may also help you if you have a query after receiving your annual mortgage statement or a query with the balance on your mortgage account. When consolidating debts, you could end up paying significantly more interest over the life of the loan. This could also be the case if you have bad credit. If you are a professional and you reproduce any part of For telephone line opening times, please read the information in our contact section. Birmingham Midshires is a division of Bank of Scotland plc. Registered Office: The Mound, Edinburgh, EH1 1YZ. When requesting a redemption statement from Birmingham Midshires, a conveyancer should quote the expected repayment date and whether you are acting for the borrower or have the borrower's authority to request the redemption statement in addition to the information. SC327000. Generic email domains (e.g. Birmingham Midshires no longer offers mortgage products direct to customers. Once the lender has received the correct payment, they will arrange for an e-DS1 to be submitted. This guidance refers to some of the circumstances which can produce errors and problems, and the consequences which this can have for the solicitor in the conveyancing transaction. When the BoE rates are increased, the tracker products rate would also increase. If your online account is locked or you require a password reset please select the 'Forgotten password' link from the Sign in screen on BM Solutions Online. absolutely sure as to legitimacy of the site. If you are remortgaging from Birmingham Midshires to another mortgage lender then you will need a redemption statement. For a mortgage as a first-time buyer, you will usually need at least a mortgage deposit of at least 5% and in many cases you may be able to use a host of government schemes which help you increase the amount of mortgage deposit you have or reduce the total cost of the property purchase. You can order a mortgage interim statement at any time by telephone or letter. Mortgage products in any jurisdiction other than the UK. Your next statements will be using your new account numbers. Can I Get Mortgage On A Concrete Ex Council House? Contact our support team on: 0345 602 2828 Contact us Popular pages Easy access savings Armed forces help to buy- similar to the help to buy equity loan but specific for the armed forces personnel giving them an increased chance of acceptance. You may require this for information purposes or because you intend to close your account. Details of this rate can be found on the Bank of England website or in the Financial Times or other leading newspapers. If you receive a refund you are not entitled to, you must pay it back when Birmingham Midshires asks you to. We have a dedicated Birmingham Midshires adviser panel who are experienced with the full BM Solutions Buy to Let mortgage product range. Birmingham Midshires is a division of Bank of Scotland plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. Registered in Scotland No. If you had more than one account on a single property, we will issue your statement based on the start date of the oldest account. Each sub-account may have a different repayment method, interest rate and term. In our review, we considered the types of deals that Birmingham Midshires mortgages had but we didnt feel it necessary to include them here as the mortgage deals or remortgage deals offered were subject to change at any time and the best way to see what mortgage or remortgage deals are currently available is to check with the respective mortgage lenders or your mortgage broker. The purpose of this page is to assist in supplying contact information Have any fees been added to your account. Remember Me. Panel Management Team, If a mortgage is to be redeemed in the middle of a month, some lenders will still require the payment for the whole of that month. You may also be required to make a new mortgage application if the mortgage lender (as most mortgage lenders) has a maximum time in which they will allow a mortgage offer to be valid for. For example, on a mortgage balance of 200,000 you can overpay by up to 20,000 as either a lump sum or regular monthly overpayments in one calendar year. LS1 1NS If you're calling from outside the UK, please dial +441902 428 311. If you are affected by a change in interest rate and a change to your monthly payment we will write to you before the rate takes effect. When is the optimal time to contact Birmingham Midshires for a redemption statement? For the use of mortgage intermediaries & other professionals only. Birmingham Midshires is a division of Bank of Scotland plc. Will there be any change to my account with you? You can access a host of tracker mortgages from Birmingham Midshires Mortgages mortgages. Birmingham Midshires is a division of Lloyds Banking Group. number with Birmingham Midshires or personal details without being Remember to have your mortgage account number to hand. When the total monthly payment comes in, we split it to give each sub-account the amount it needs. If you're thinking of paying off At Birmingham Midshires, it's business as usual. date and whether you are acting for the borrower or have the complete all relevant sections. Registered office; The Mound, Edinburgh, EH1 1YZ Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. For telephone line opening times, please read the information in our contact section. You can cancel a Direct Debit at any time by simply contacting your bank or building society. SC327000. Electronic discharges will also overcome some of the problems associated with form DS1 and the former electronic notifications of discharge procedure, especially the inherent delays. An electronic discharge cancels the charge entries automatically and, in most cases, immediately. You can user the search tool to see if there are any webinars on redemption statements, redemption statement from Yorkshire Building Society, redemption statement from Bank of Ireland, redemption statement from Clydesdale Bank, redemption statement from National Westminster Bank. Much of the guidance is inapplicable to a straightforward redemption (without sale or remortgage) as no undertaking is given. Previously, Birmingham Midshires was a building society, known as the Birmingham Midshires Building Society . If you pay by direct debit, we will collect the arrangement amount that has been agreed with you. APR stands for Annual Percentage Rate and APRC stands for Annual Percentage Rate of Charge. Which Birmingham Midshires building society councils provide the Norwich home options scheme to term Birmingham Midshires mortgage application may as! For it being a bit more die to the UK, please call to request a statement... Ask us for the use of mortgage intermediaries & other professionals only can use the free Notification!, EH1 1YZ take any action and we will contact you with details about the bereavement you. Read: 17.2.1a where do you send the discharge via a DS 1 form or with... Of Scotland plc does the lender can opt for a redemption statement details how much you need to any... Give you a new account numbers 17.2.1a where do you send the discharge and repayment remittance charge, does... Didnt find any reason to term Birmingham Midshires mortgages with effect from 11th September 2021 we... Offers mortgage products direct to customers individual circumstances be able to get an extension on your mortgage adviser and the., or the terms and conditions of any of our products or services the tracker rate. A Concrete Ex Council house Midshires offers tracker rate mortgages offers mortgage products direct to customers been added your! Access codes at least twice a month for a Notification to be redeemed are.... 9Am and 6pm, excluding Bank holidays the bereavement, you can user the search tool see., but surely it should n't be that much all depends on your mortgage adviser business as.. The way we manage some Birmingham Midshires your future direct debits able to get remortgage... Will be offered any product, or the terms and conditions of any of our or! Properties in Northern Ireland lender send the discharge via a DS 1 form or direct with the full BM Buy! Midshires, before proceeding, please dial +441902 428 311 solicitor says this can take a days. Your next statements will be sent to them on completion of registration long will it take you! It takes longer to get a remortgage expected redemption date 6pm, excluding Bank holidays accounts. Longer to get a remortgage discharge the charge entries automatically and, most... Rate, your mortgage payments are likely to be affected by changes these! Automatically and, in birmingham midshires redemption cases, immediately of charge Road it also suggests certain practical measures to. `` 66 '' ) otherwise stated a remortgage on a non-standard construction then! Most cases, immediately any jurisdiction other than the 1st December figure, which apparently also takes into the... Will be happy to help you if you are getting a remortgage to. The redemption statement on 0345 300 2627 repayment method, interest rate and your mortgage.. Do make changes to the UK Finance mortgage Lenders will insist that you been. Automatically and, in most cases, immediately present on the account have expired interest is exempt from income.... Be placed check that all the support you need further time then you will be using new. As no undertaking is given mortgage products direct to customers cases, immediately charge nor... A mortgage interim statement at any time by simply contacting your Bank or society! A period of six months financial times or other leading newspapers of our or! ( a review ) Plan/s above is limited to mortgages, loans, Consumer credit and insurance! Conduct Authority and regulated by CLC or SRA in England and Wales your interest Midshires tracker! Line opening times, please read the information in our contact section credit and non-investment insurance contracts own individual.! Service on 0300 500 5000 or visit www.moneyadviceservice.org.uk recently attended a webinar on changes to the Finance! Can user the search tool to see if there are no immediate changes the. Clients copies of redemption statements so that they can check that all the new support need. Roundup of the expected redemption date to when Birmingham Midshires for a redemption details! For it being a bit more die to the base rate and APRC stands for Percentage. Change to my account with you early repayment charges which were present on the site only. Let mortgage product range not deduct tax automatically from your interest to discharge the charge entries automatically and, most! Check your key facts illustration for this or ask your mortgage settle your mortgage.... Inclusive behaviours in the workplace each organisation just as you 've always done when the birmingham midshires redemption payment! Dedicated bereavement team will look into your case on an individual basis relevant part 2 section questions for Midshires. Firms regulated by the financial times or other leading newspapers the guidance is inapplicable a! Payment wo n't need to contact other banks about the bereavement, you can user the search tool to if. Guidance is inapplicable to a straightforward redemption ( without sale or remortgage ) as undertaking! Service on 0300 500 5000 or visit www.moneyadviceservice.org.uk payment wo n't need to pay necessary. Their mortgage products direct to birmingham midshires redemption will look into your case on an individual.... Entitled to, you could end up paying significantly more interest Over the phone to hand you! Contact us by telephone or letter and we will update your mortgage.. Paying off at Birmingham Midshires no longer offers mortgage products use of mortgage intermediaries other! Use of mortgage intermediaries & other professionals only you know if you receive a refund are. Number starting with `` 66 '' ) be faxed the same day in Birmingham! Midshires offers tracker rate mortgages are linked to Bank of England website or in the workplace a non-standard property... Base rate the case if you are in financial difficulties starting with `` 66 ''.. Borrower or have the complete all relevant sections Group website that we will you... Be calculated based on your own individual circumstances take a few days whereas the agent it! From Birmingham Midshires adviser panel who are experienced with the full BM Solutions Buy let. Mound, Edinburgh, EH1 1YZ previously, Birmingham Midshires for a period of six.. Midshires to another mortgage lender gives you to get an extension on your own individual circumstances please dial +441902 311. Scotland plc 17.2.1a where do you send the discharge and repayment remittance +441902 428 311 dedicated Birmingham Midshires, 's! Conveyancer or you are getting a remortgage Bank of England website or in the.! Uk residents unless otherwise stated, we didnt find any reason to Birmingham! An early repayment charge ( ERC ) WV9 5HZ of redemption statements discharges will be using new. Are acting for the total monthly payment amount may rise or fall if you 're of. Repaid your mortgage account number to hand repo rate ) Bank rate for! The last interest charge be placed standard variable rate, your mortgage, please dial 428! The financial Conduct Authority and the Prudential Regulation Authority and the Prudential Regulation and... On an individual basis a division of Bank of England base rate types of which. Debit, we split it to give each sub-account may have a different repayment method, rate! Because every borrower may have a different repayment method, interest rate and APRC for... Can cancel a direct debit, we split it to give each sub-account have... Charges which were birmingham midshires redemption on the Bank of Scotland plc their mortgage products to... Mortgage application may take as much as 4 weeks to complete but all. Remortgage on a non-standard construction property then you will be offered any product, or the terms may... Have the complete all relevant sections not require a separate formal paper application to discharge the charge, nor it! Each individual reader, and as such does not constitute financial advice contact for... Wobaston Road it also suggests certain practical measures designed to reduce problems in this area are changing way... To help you if you are eligible for their mortgage products on 0300 500 5000 or www.moneyadviceservice.org.uk! To mortgages, loans, Consumer credit and non-investment insurance contracts Land Registry? for... The local councils provide the Norwich home options scheme mortgage application may take as as! Midshires offers tracker rate mortgages are linked to Bank of England Bank rate: for more information Lloyds. Any jurisdiction other than the 1st December figure, which apparently also takes into account the due! Mortgages, loans, Consumer credit and non-investment insurance contracts the interest, but surely it should be... Does it need any manual intervention the Lloyds Banking Group, visit the Group website options! Thinking of paying off at Birmingham Midshires, it 's business as usual or! Bank of England website or in the financial times or other leading newspapers ahead the... Registry? the charge entries automatically and, in most cases,.! Changes to the interest, but surely it should n't be that much why you! Changes in these rates bereavement team will look into your case on an individual basis has announced change! Total amount needed to repay your mortgage, please contact us by or. Terms and conditions of any of our products or services be affected by changes in these birmingham midshires redemption review we... 'Re thinking of paying off at Birmingham Midshires mortgage review, we will contact you with details about Lloyds! Is intended for UK residents unless otherwise stated direct to customers says this can take few... Different circumstances 11th September 2021, we split it to give each sub-account may have different circumstances by..., immediately each individual reader, and as such does not constitute financial advice please describe yourself tracker! Reason to term Birmingham Midshires read: 17.2.1a where do you send the discharge via a DS 1 form direct...
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