CcJ over 8 years old

[Sidbulldog]

Hi what would you need to know ? this house has been sold with no charge on it related to this debt . Does that mean charge is still enforce ?

[Sidbulldog]

Hi I gone back over telephone call with them that I recorded it was a Interim charging orders

[pt2537]

Hi what would you need to know ? this house has been sold with no charge on it related to this debt . Does that mean charge is still enforce ?

If the house is sold why wasn't the charge discharged ? Surely the solicitors dealing with the conveyancing would have had to deal with the charge recorded on the land registry

[Sidbulldog]

I have spoken to ex and only one charge was on house that for divorce cost Arrow only got a Interim charging order and I do remember her saying it was from a company in the Channel Islands ie arrow and she got it stopped as house was awarded to her in full and I had no legal rights on property if that makes any sense

[Sidbulldog]

Sorry for confusion I should have not have said charge it was interim charge. The first part

[Sidbulldog]

Hi so it seems they tried to put a charge on house but was refused
What is my next course of action or is it want and see for they next move. Giving me sleepless nights since letter feel they will ran rings around me

[Sidbulldog]

Today received second letter , (saying our client holds a final charging order over your property in respect to this matter .this means that if you sell or remortgage your property our client is entitled to be repaid from any available equity) it looks like they are using scare tactics. When I spoke to them on Friday they said it’was interim order was on file dated 2011 . As I said before property was sold 3 years ago . Also they have reduced amount to pay by •£600 if I pay a lump sum within 90 days of letters date

[Sidbulldog]

Today received second letter stating ( our client holds a final charging order over your property in respect to this matter this means that if you try to sell your property our client is entitled to be repaid from any available equity) when I spoke to them Friday and asked for details on file they said also in 2011 our client got a interim Order on a property but couldn’t give me a address of said property. Has started in previous post property was sold 3 years ago . It seems they are lying about charge and using scare tactics
Ive been giving options to pay but most telling they say they would accept a reduced amount by £600 since Friday in a lump sum if payed within 90 days of letter date
im sure they don’t know property as been sold it’s taken them 8years and 10 months to contact me for the first time

[Celestine]

I would consider sending them a Subject Access Request to get to the bottom of this chaos. If they do NOT have a charge BUT they DO have a judgment, they could potentially explore seeking a further charge (on your current property) or other enforcement. I wonder why they were denied the earlier charge?

[MIKE770]

Subject Access Request Letter send Recorded Delivery and keep copy receipt they have 30 days ton produce unless they have asked to extend due to agenuine circumstances, people say just proof of posting BUT as I foiund is not proof of delivery, all I sent these dayd get signed for even 3 weeks ago

[Sidbulldog]

The house I live in now belongs to my partner I have no financial interests in house . I don’t think they can but a charge on someone else’s property? Just because I live there
I will send off https://legalbeagles.info/library/gu...ccess-request/ and see what they have if any thing

[MIKE770]

No charge as you have no financial interest as it partner's

[Sidbulldog]

The earlier charge was made on married house after divorce was final. ex was awarded house and I had no right of any monies on sale of house or financial interest . house was completely hers
so long longer a asset of mine

[ploddertom]

Subject Access Request Letter send Recorded Delivery and keep copy receipt they have 30 days ton produce unless they have asked to extend due to agenuine circumstances, people say just proof of posting BUT as I foiund is not proof of delivery, all I sent these dayd get signed for even 3 weeks ago

It is no longer Recorded Delivery - that ceased some years ago now. The replacement Signed For is not tracked & anyone may sign for it if at all. Only guaranteed service for delivery is Special Delivery.

[Sidbulldog]

Hi sent of letter subject assess request .
also recieved a new letter from a new company stating I owe £ 5600 From a car loan from 2007 but offering a one of payment of £1000 to clear. Debt is 13 years old no payments have been made since 2007 august /sept had no contact with car loan company and debt has been sold to cobolts . Should I send a status barred letter now ?