Charging Order, second dip?

[Astro]

Hi all. I'm back after an age....Back in 2008 we had several charging orders on our house from various creditors right before the financial crash. Rather than making the orders final a couple of them agreed to lift their orders to allow the property to be sold (the mortgage company were also seeking to repossess but didn’t as we found a buyer). The creditors have taken no further enforcement action in the intervening fifteen years. I know they could apply for permission to enforce their ccj’s at any point, but what’s the chances of their application being successful, and could they apply for a charge on my current property?

[atticus]

I would say that after all this time it is possible but unlikely - but I can offer no guarantees.

When did you last have any communication from these creditors?

[Astro]

Thank you for your reply. I’m honestly not sure. I may have received the odd statement or two over the years, but no serious attempt at communication. The most recent was a text message advising me that I’d been sent a letter, which I thought was odd. The letter (from Cabot) apparently is advising me that the account is no longer on hold

[atticus]

Was the SMS recent?

[Astro]

Just yesterday

[Astro]

I do seem to remember letters coming through offering full and final settlement figures as low as 20%. I just binned them as being desperate attempts to collect