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However, in this case, they use it to obtain the title of your property. Once they have done that, they can then change the name on the property title to their own. This allows them to take out loans that are secured against your home or even sell it.

The clear winner in the LifeLock versus Home Title Lock comparison is LifeLock. Whether you are selecting the LifeLock identity theft protection service or LifeLock Home Title Protect as a standalone product, you will receive a far greater value than with Home Title Lock.

If someone used your name to open new accounts, get credit or buy services. This is called 'identity theft'. If you start getting bank letters, bills or letters from debt collectors that you know nothing about, this might have happened to you. You should contact your bank straight away and let them know.

Reverend Mike Hall previously told the BBC of his shock at returning to his Luton house and finding it stripped of all furnishings in August last year. He is still working to obtain compensation for the loss of his property and has been unable to regain formal ownership of his house.

You may apply for first registration of land if the title deeds have been lost or destroyed. HM Land Registry has special requirements and procedures for these applications, which are set out in this guide.

Make Sure You Have Title Insurance It protects against any claims or liens made against the property. There are two types of title insurance: lender's and owner's. Lender's title insurance is required by your mortgage company and assures them the title is cleared for sale.

Get a copy of the deeds Find out if the property or land is registered. Pay £3 to download a copy of the title register. If the deeds are marked as 'filed' in the register then HM Land Registry has a scanned copy. Fill in the deeds request form using the property's title number from the title register.