Mortimer Clarke

[Hopefull24]

hi all, this is the first time I have used this forum and I hope you can offer some advise. I took out an unsecured loan (in my name only) with Northern Rock in 2006. I fell into arrears and NR took me to court and won a CCJ (forthwith), they also applied and won a charging order on mi interest only as my house is joint owned with my wife and mortgaged. NR was taken over by the government and I negotiated a payment with NRam. The was latterly sold to Marlin Capitol/Mortimer Clark. I have maintained the payments to MC. As I am paying a different entity I am trying to find out if the charging order is valid or if I can apply to have it removed. Any help/advise appreciated.

[Amethyst]

Marlin could apply to have the restriction transferred into their name. If you are trying to sell and the restriction is causing an issue you could talk to Northern Rock about removing the restriction - they have no interest in it as they sold the debt - however they are likely to pass your query over to Marlin. How much have you left to pay ? Could you consider a full and final settlement offer on the basis they remove the restriction ?

[Hopefull24]

Hi and thank you, not planning on selling at all but want to try and transfer the house to my daughter when the mortgage is paid in four years time. Still owe approx 13k, thinking about sending a SAR request to see what they know about the case. Could make a full and final offer for about 3-4K in two years. I just need this last skeleton gone from what was a bad time all those years ago. Luckily I now have a good credit score and record and this matter is not on my credit file. Mindful about opening a new hornets nest !!