Creditor left interim charging and unilateral notice on my title deeds.

Slithery

indielad1010 wrote: »

Regarding your relevant points, I doubt the water board is going to accept my conveyancor's word to pay the debt after exchange of contracts.

That is incorrect. The process is a well-known one which all conveyancers and solicitors, as well as all government agencies and possible debtors are familiar with - it's called an undertaking. Their professional reputation and insurance costs depend upon it.

molerat

indielad1010 wrote: »

I wasn't looking for sympathy at all. I was just tlooking for advice to get out of the stalemate of the interim charging order, which nobody seees to have the intellect to know the dfference of a final charging order and an interim one.

I can think of one quite simple and straightforward way !

Slithery

indielad1010 wrote: »

A cheque or bank transfer does not produce a receipt satisfactory to the taxman's requirements.

If accompanied by a copy of the appropriate demand and subsequent statements proving that the account had been credited then HMRC would find it perfectly acceptable.

da_rule

I think you misunderstand the charging order process.

An interim charging order will state that "...the asset described in the schedule below stand charged with payment of £...". This means that an interim charging order is the same as the final order. The property is still charged and you would not be able to sell the property without clearing this charge.

I think you are overestimating the power of the water company. Assuming the order came from the County Court Money Claims Centre (sometimes referred to as the County Court Business Centre) then you had 28 days from the date you were served with the order (you don't seem to mention when you received the order) to send your objection to the Court and the water company. The company then has no input on what happens next. The Court will arrange a hearing and let all the parties know the date/time. Have you contacted the Court for an update? They are usually quite helpful.

If you missed the deadline then it may be that the final order has been made.

Generally Court's won't refuse an order just because it's not fair. It would have to be for a reason, such as there not being enough equity in the property, or your interest isn't big enough etc. Alternatively, you can argue that a different form of enforcement is more reasonable (attachment of earnings etc). The financial thresholds for charging orders are extremely low. For example, a judgment creditor can apply for a power of sale for debts as low as £1,000 that are secured by a charging order.

As you mention, 5 years down the line, you would be unlikely to be successful in setting aside the CCJ.

swingaloo

indielad1010 wrote: »

I wasn't looking for sympathy at all. I was just tlooking for advice to get out of the stalemate of the interim charging order, which nobody seees to have the intellect to know the dfference of a final charging order and an interim one.

But nowhere in your opening post did you ask a question or request advice.

You had a little rant about the 'water board' expecting you to pay your bill.
You mentioned ways you had tried to get out of paying the bill.
You mentioned being disabled although I'm not sure why, I'm disabled, my husband is also disabled but we accept we still have bills to pay.

You then went on to be rather rude to people who did not sympathise with you. If you were indeed looking for advice then why are you so hell bent on being obnoxious to those who have tried to give it.

M_Python

OP - as you're not getting the responses you want, please don't let us keep you as you've obviously more important things to be doing than arguing the toss with people of lower intellect (according to you).

AdrianC

AdrianC wrote: »

Sorry, as this thread goes on, it's sounding more and more like you're trying to prove some point of principle than get the problem resolved.

Think I called it way back up thread...

ciderboy2009

OP - you don't mention what the court said when you phoned them to ask what was happening with the charging order.

This much further on I think you're likely to discover that it's not an interim charging order any more.

diggingdude

You sound very much op like one of these people on YouTube who film bailiffs enforcing debt etc screaming out how it's unfair,they are scum, and "where's the wet ink signature". You are clearly not looking to pay your debt properly and I hoping for a free pass or for someone else to pay it full stop when you got to the CCJ stage you did you offer £1 a month or something equally stupid?
The advice here has been clear, pay your debt. As a disabled person, I get fuming with people who use disabilities regularly as a way to avoid their responsibilities. Hopefully someone will be along sometime soon to write you a message saying "you ok Hun?" Which is probably one of the answers you were hoping for.

One last time, pay your bill

BrownTrout

As above. Freeman type rubbish