Interim charging order

Mich644

I have just receive an interim charging order for £5600 for a CCJ. on county court fees and unpaid interest for major works. I am in the process of getting a BTL mortgage on the leasehold property that the interim charging order is on. I want to pay off the interim charging order debt but also want to challenge the debt itself as I do not believe it has been applied correctly and that the freeholder have broken the law. Does anyone know how I pay off the debt so the charge is removed from the Land Registry and so I can also continue to dispute the charge. How do I find out whether any other charges are due such as interest or application fees? Any advice would be greatly appreciated.

theartfullodger

Your chance to dispute the debt was during the court case that decided on your CCJ & charging order. You need to declare this to any lender ASAP. I doubt many lenders would proceed with a mortgage to someone with a CCJ.

Strongly suggest you pay the debt TODAY - or fast - then argue the case.... Or nobody is going to want to give you any credit (landlords who bother to credit check - very cheap -, mortgages, mobile 'phone contracts etc etc...)

"Major works" and you didn't pay? What (roughly) were those major works, why didn;t you pay & why on earth did you let it get to court & why oh why oh why did you not then pay immediately to avoid a CCJ. Did you submit evidence to court and turn up there as invited?

Look forward to your response

eddddy

Does your dispute relate to the service charge itself (or the work done)...

...or does it relate to the legal process your freeholder followed to get a charging order?



If the service charge itself is the issue, you would challenge a service charge demand at a first-tier Tribunal.

However, I think you've missed the opportunity to do that, now that it's been decided by the County Court. i.e. You should have challenged the service charge a long time ago.


If it relates to 'major works', presumably there was a Section 20 consultation - which includes opportunities to challenge the plans.

You probably need to explain the basis of your challenge in a bit more detail.


Edit to add...

You're kind of lucky that the freeholder took this route. The freeholder could have opted to ask a court to forfeit your lease, for non-payment of service charges. i.e. You lose the flat and get no compensation.

G_M

:lipsrseal


Speechless.

Cakeguts

Oh good, a buy to let landlord who doesn't pay for work done. Tenants just need someone like that as a landlord. I really hope they can't get a buy to let mortgage.