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» Charges on property
by daveiron Mon Sep 16, 2019 12:34 pm

Moon phases


Charges on property

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Charges on property Empty Charges on property

Post by toolapcblack on Sat Sep 14, 2019 11:03 am

Hi all,
I am in the process of selling my house and the conveyancing solicitor has found some charges on my property is there any way i can get these removed without paying them all out?

Some i was not made aware of when i was fighting the good fight!

As it feels like every one has there hand out ie blood sucking vampires!

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Charges on property Empty Re: Charges on property

Post by daveiron on Sat Sep 14, 2019 11:43 am

Hi ,I've just had a quick look & I realise its from Stepchange but take a look to see if yours is compliant.

Not forgetting of course it only applies to your personal debt ,not your partners if you have one.
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Charges on property Empty Re: Charges on property

Post by toolapcblack on Sat Sep 14, 2019 5:11 pm

Hi Dave, Stepchange? could you send me a link as I dont quite follow (could be that Ive lost me marbles though lol)

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Charges on property Empty Re: Charges on property

Post by daveiron on Sat Sep 14, 2019 5:20 pm

Sorry mate I forgot the link.
https://www.stepchange.org/debt-info/debt-collection/charging-orders-and-my-home.aspx
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Charges on property Empty Re: Charges on property

Post by toolapcblack on Mon Sep 16, 2019 9:38 am

thanks all good info, what i would really like is a way of not paying the leeches out of the equity though any ideas?

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Charges on property Empty Re: Charges on property

Post by LionsShare on Mon Sep 16, 2019 9:53 am

@toolapcblack wrote:thanks all good info, what i would really like is a way of not paying the leeches out of the equity though any ideas?
if its for utilities then pay by endorsement, that's all I can think of
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Charges on property Empty Re: Charges on property

Post by daveiron on Mon Sep 16, 2019 10:31 am

As above.
You say you were unaware of these , did you read all of that link ? It may be in that case some are not
compliant.
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Charges on property Empty Re: Charges on property

Post by toolapcblack on Mon Sep 16, 2019 11:35 am

For Water & Student loan from the 90s and yes paid the water by Endorsement and by Promissory note ...they refused both sent back and then put charges on My Hose which i tried to contest but the land registry would not have it and sided with the Water although the water never sent me on letter in English (it was all in a foreign unreadable language = Welsh).

As for being Compliant i did not see anything in the link that i could work this angle, if so please explain?


Thanks
J

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Charges on property Empty Re: Charges on property

Post by daveiron on Mon Sep 16, 2019 12:00 pm

Hi, You say you were unaware of these CO's Were you and your partner not sent a N86
& copy of N379 from the court & B136 from LR ?
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Charges on property Empty Re: Charges on property

Post by toolapcblack on Mon Sep 16, 2019 12:19 pm

yes unaware of some as have been sending mail back "Unclaimed recorded for fraud" for some years now

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Charges on property Empty Re: Charges on property

Post by daveiron on Mon Sep 16, 2019 12:34 pm

I'm clutching at straws here , the only argument I can see you have is to claim you have never been
served with the documentation,there is after all no proof that it was you who returned any mail.
Sorry thats all I can think of at the moment.
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