u/BigRossatron

I went back to the first couple of areas to clean up some collectables and finished off the training simulations and one of the red key rooms. When I went back to continue the story I can't remember where I was supposed to go and the map and objectives aren't very helpful.

My objective is >!Reboot IDUS in the Lunum Mines!<and when I go to the tram thing the dot in the yellow triangle brackets (which I think is where I'm supposed to go?!) is showing as >!Lunum Mines > Warehouse Exit!<however I have the next 3 blocks unlocked so I'm not sure if I was backtracking for something? It's been a few of days since I progressed the story and I'm so confused. I tried going to a couple of the areas and I'm just going round in circles and I don't seem to be able to find my way out.

I fully understand that I could look up a guide but I'd like to avoid guides and spoilers if possible, I've spent a couple of hours going round in circles now and I'm getting frustrated with it, can anyone point me in the right direction of where I'm supposed to go please???

Edit: UK (England)

Hi all, looking for some advice on a pretty unusual situation.

My mum owns a house in England which she bought over 50 years ago. It’s unregistered land (no record with HM Land Registry), so ownership is based on old paper title deeds.

I recently tracked down the deeds and found they are being held by Halifax, who had the original mortgage.

Here’s where it gets strange:

The mortgage was paid off at least 30 years ago, (I don't have the exact date) and there was a balance of £125 remaining, this was for the Halifax to hold the title deeds with an understanding that when the £125 was cleared the deeds would be released
Halifax say they are holding the deeds because of an outstanding balance of £21,750.82
They are saying the deeds won’t be released until this is resolved

I have asked them for a full breakdown and documentation, but haven’t received it yet, it is likely to take weeks to get the information posted out to the property address, however I did manage to get hold of some information from someone on the phone earlier today.

The debt that has been added to the mortgage relates to charges from insurance, there is an old policy for buildings and contents insurance that we were not aware of
The policy has been set to auto renew and charges (I assume interest too) have been added to the mortgage annually
Halifax claim they sent paper documents to the address once a year informing my mum of renewal with a quote and that she never called to cancel, there were no emails or anything digital sent
each year my mum was billed however the bill was added to the mortgage balance which continues to grow
The banking systems at Halifax were updated in 2013 and I couldn't find any details prior to that, someone is checking paper records from the archives

Some dates and numbers

I was able to confirm that the balance on March 2013 was £9,325.80
The insurance policy was cancelled on 5th October 2021 by the Halifax, I don't know why but it stopped auto renewing on the date. There are no notes on the system
My mum had no idea of this insurance policy but seems to have been charged £12.5k for 8 years buildings and contents insurance?!

My questions:

Is it normal/legal for a lender to retain title deeds like this after a mortgage has been redeemed?
Can a small historic balance (e.g. £125) realistically grow into something like £22k?
Does this sound like a secured debt against the property, or something that might not be enforceable after so long?
If Halifax refuse to release the deeds, are there alternative ways to prove ownership and register the property?
Should we be speaking to a property solicitor, or is this more of a financial dispute (e.g. ombudsman)?

Any advice or similar experiences would be really appreciated just trying to understand whether this is something legitimate or something we should be pushing back hard on.

Thanks in advance.

Help, I'm lost...