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I owe monies from a civil judgement that has not been recovered via bailiffs as I do not have assets to cover the debt. The claimant is trying to now make a charge against my wifes mortgage which I am not a party to and have never paid? I also do not reside at the property on a full time basis? Any advice on this?
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Are you listed at the Land Registry (title deeds) as a joint owner with your wife?
I've never heard of a charge against a mortgage. Do you mean a charge on the property?
People will be better able to advise if we know exactly what the claimant is trying to do. Can you upload a copy of the correspeondence you have received but remove/cover up all personal details that could identify you or your wife.All opinions expressed are based on my personal experience. I am not a lawyer and do not hold any legal qualifications. -
I suspect this claimant is applying for a charging order on property. That suggests that the OP is at the very least a joint owner.Lawyer (solicitor) - retired from practice, now supervising solicitor in a university law clinic. I do not advise by private message.
Litigants in Person should download and read the Judiciary's handbook for litigants in person: https://www.judiciary.uk/wp-content/..._in_Person.pdfComment
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First Steps
Check dates
Income/Expenditure
Acknowledge Claim
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Example Defence
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