Charging Order? The myth

eggbox

Thank you LRR!

MouseCity

Thank you, Land Registry. You and Eggbox are legendary and have helped so many people with difficulties around charging orders.

I have been in the very complicated position over the last 20 years of being the non-debtor who stayed in the house with a child dependant; divorced from the debtor who has just mentally opted out of anything to do with this as he has nothing to lose and a roof over his head with a new partner.

I managed to sell the house twice but the buyers pulled out when they realised there are restrictions on the property. I couldn't remortgage when my fixed rate deal came to an end so ended up paying massive interest over the years. I have spent countless weeks and months over these years trying to come up with a solution but creditors wouldn't even speak to me as the debt isn't in my name. I have spent over £8,000 on solicitors and have just ended up more confused.

I am now at risk of having the house repossessed which would result in both myself (even though the debts are only in my ex-husband's name) and the creditors losing money - all while nothing changes for the debtor. I have been suicidal more than once over this issue as I have felt so powerless and vulnerable. I am now trying one last time to find a solution where I can salvage as much money for me as possible.

Finding this thread has literally been a lifesaver. Even if I don't get the outcome I want, I feel a little bit more in control and empowered.

Thank you 🙂

eggbox

Mouse City

First, I'm sorry to hear about your personal troubles over this matter. I've seen from personal experience just how deeply issues like this affects peoples lives.

But to try and help if I can, can I ask what the current value of your house is and what the value of your ex partners debts are (or approximately if you don't know).