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Guarantor Loan
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There is a thread here about charging orders https://forums.moneysavingexpert.com/discussion/1839539/charging-order-the-myth&highlight=charging+order
A creditor cannot be granted a charging order on a jointly owned property, on a charging restriction, which means you are free to sell the property as long as your solicitor provided notice to the creditor.
Problem with that is the joint owner is also the guarantor for the loan so they may have grounds to secure one.0
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