Registering Notices
 

How do I Register a Notice?
To register notices of security interest, you must log in to the website using your client account credentials. Once you log in, you will be on a Client Home page from which you can select the transaction you wish to complete.
 
Once you have selected the proper type of Notice you wish to register you will be taken to the data entry screens for registration. The registration screens are quite simple to use. The Notice screen has six tabs that you can choose to complete in any order:
 
  • The first tab “General” that is displayed when you open the screen is automatically filled with information about you or your company or institution and the type of notice you are registering. There is an "Add Registrant As Secured Creditor" button below the name and address of the registering party (you or your company) that you may press if the Secured Creditor is the same as the registering party. If you press this button, you may then bypass the Secured Creditor tab, thereby saving you the time of typing in your own information for each filing. Lapse date of the notice is set to 10 years from registration date by default. You may modify this date as necessary, but the date may not be extended beyond 10 years. If the obligation exceeds 10 years, you will need to file a continuation notice within 6 months of the notice expiration date in order maintain your priority position. You may enter a client reference number on this tab, as your internal reference for the notice. Client reference number is not required.
  • The second tab is the Debtors tab. It is used to enter all of the debtors (borrowers), on the obligation. You will first need to choose the appropriate value from the drop down list to designate the gender of the composition or ownership of the debtors. You may then add all desired debtors. To add a debtor, first click the Add Additional Party button to open the add screen. Then select the type of debtor to be added.
    • If a debtor is a company incorporated under the Companies Act of Jamaica, enter its name and incorporation number exactly as it appears on its certificate of incorporation. You must also enter the company TRN.
    • If a debtor is another entity type (e.g a statutory body corporate, an Industrial and Provident Society etc.) enter its exact legal name.
    • If a debtor is an individual Jamaican citizen, enter his or her name and Tax Registration Number (TRN) . Birth-date for individuals is an optional field, but you are encouraged to enter it as well as it will help identify your debtors.
    • If a debtor is an individual non-Jamaican citizen, enter his or her name. Birth-date for individuals is an optional field, but you are encouraged to enter it as well as it will help identify your debtors.
    • If you are dealing with individuals holding a business name registration, you cannot enter only the business name: you must enter the particulars of the person(s) that own the business name. Entering merely trade names or ”trading as” names is ineffective.
    • YOU MUST ENTER THE DEBTOR NAME OR NUMBER WITHOUT ERROR. Failure to do so will prevent future searchers from being able to find your Notice, which in turn may render it legally ineffective.
     
    In all cases, provide the debtor’s address in the address fields. Once all information has been entered, click the Update button to save the entry. If there are two or more debtors, you can continue to add debtors by clicking the Add Additional Party button after you have added a debtor’s information.
  • The third tab is the Secured Creditor tab. It is used to enter one or more Secured Creditors. If you have not indicated the registering party as the Secured Creditor in the first tab, or if there are additional Secured Creditors, click the “Add Additional Party” button to open the add screen. Enter the secured party’s name and address in the indicated fields, then click the Update button to save the entry. If there are more secured parties, you can continue to add them by clicking the “Add Additional Party” button.
  • The fourth tab is the Collateral tab. It is used to enter a description of the personal property that secures the obligation/debt. The description of the collateral may be general or specific, so long as it informs a person who reads it of the particular property covered by the security interest. There are three ways in which you can enter collateral information, and you may use any one, two or all three of them.
    • You may enter a narrative description of any length in the text box.
    • You may attach a PDF file containing a description of the collateral.
    • You may enter one or more vehicle serial numbers or real property identification numbers (volume and folio numbers) as collateral. The serial number for a motor vehicle is the number etched on the body of the vehicle by the manufacturer. It is not a license plate number. If you are taking charge over a motor vehicle, best practice dictates that you enter the VIN separately in the field provided to give you maximum security. The volume and folio numbers are necessary in instances where the collateral being used is a fixture attached to a piece of land. This registry does not accept notices of debts secured by real property.
  • The fifth tab is the Statistical Information tab. This is used to capture some minimal statistical information regarding the notice, such as debtor size (number of employees), gender composition of ownership, amount of principal indebtedness, collateral type used (you may check one or more values), business sector of the debtor, and whether or not the debtor is a new or existing client of the lender. Of these values, only collateral type and amount of principle indebtedness will be reflected on searches.
  • The sixth tab is the Other Information tab. It is used to enter any additional information deemed relevant to the notice. You may enter a narrative description of any length in the text box.

Once all notice information has been entered, you may press “Review” on the registration to review all notice details. If the notice looks correct upon review, then press the “Confirm” button to submit the notice. Otherwise, press the “Edit” button to return to the tabbed form and make corrections.
 
Upon submitting the registration, a registration confirmation page will be displayed. This page contains all information on the registration, and may be printed. It also contains an Access Number associated with the registration number. The Access Number is required to submit change notices for the initial registration. This number is confidential and should not be provided to any other person, including debtors on the registration. The Access Number is always available in the registry for authorized users, so do not panic if you misplace it.