Charging order on property

Adrian52 · 31 March 2021 at 3:39PM

Would really love some help I have had a charging order on my property since 2007 I think I have been caught up in some bad practice from back in the day the property I had was back in 87/88 I walked away from a bad relationship leaving him in the house it then got repossed in 89 and then resold in March 92 I was the contacted by the then mortgage company end of 2004/2005 I responded to the letters and after some mail back and forth in July 05 agreed a charge being added on my property for almost 18.000 pounds with an agreement to pay 20 per month the company never gave bank details I have letters asking so they then took the case further after trying to sort the case myself with my now husband we ended up in court and because we could not afford a solicitor or knew where to get help they then added the whole amount of 64.000 pounds I then still had to chase for payment details the company have long since folded and my 20 pound a month payment gose to a holding account I have never received any contact from the said company since that slapped the charge on my house which they had me over a barrel as the voluntary charge paperwork had been signed in 05 and the final charge added was the end of 07 over two years later can anyone please help I want to move home with my family but stand to lose 60.000 pounds
Many thanks

fatbelly · 31 March 2021 at 7:20PM

As this isn't to do with IVAs or DROs, I am hoping @sourcrates will be along shortly to move this somewhere - maybe housing? Or the charging order thread on dfw?

You should never have agreed to that voluntary charge but what can be done now is probably going to require more specialist help than we can give.