Charging orders on shared ownership houses

terryw

CrazyAngel wrote: »

For a £2,600 debt they Claimant is highly unlikely to apply for an Order for Sale. They will just sit omn the Charging Order and await a sale / remortgage to be paid in full.

Very true. For the simple reason that Orders for Sale are rarely granted.

Have a look at this thread as well:

https://forums.moneysavingexpert.com/discussion/1839539

holly_hobby

This may help further - as I say, she needs to apply for a variation of judgement to permit instalments by order rather than the current lump sum judgement.

An application for variation (ie changing from a full and final to instalments) will need the completion and submission to court of form N245 - http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n245-eng.pdf.

This may help too ...

http://moneyaware.co.uk/2012/09/what-should-you-do-if-you-can-no-longer-afford-a-ccj/

You may want to try and have the hearing delayed to give time to submit the variation request for judgement, and allow more prep time.

Hope this helps

Holly

Ruby_woo

Thank you everyone, you have been very kind and helpful x will go and read the links now x

Ruby_woo

I just wanted to update the kind people who helped.

I went with the op to support them today. Tbh the judge was rather grumpy and quite rude. Anyway, the order was allowed and op has to pay 20.00 pm as long as she pays this then all should be ok.

Xx