Junu1983 Forumite Posts: 1 Newbie
edited 5 September at 10:09AM in Debt-free wannabe
Hi all,
I need an urgent advice, in March i received an interim charging order from my creditors and i did not receive any letter prior to my interim charging order. At the moment i am waiting to hear from the court and also at the same time i am trying to negotiate with the creditors. The Co-owner has nothing to do with my debt. On Friday i received a letter from HM Land Registry (Notice to a registered proprietor of an application to register a restriction against the Land B136(CO). I do not know what to do the co-owner has opposed to it however as i am a debtor i do not know what should i do, should i consent or oppose? am i allow to oppose as i am a debtor? as i have not received a final charging order yet it is still an interim charging order. Please any suggestion will be really helpful and really apprietiated.
Thank you. 


  • DullGreyGuy
    DullGreyGuy Forumite Posts: 6,175
    1,000 Posts First Anniversary Name Dropper
    Are you currently making any payments towards this creditor? If so, was it agreed with them at any point or not?

    You are allowed to oppose it as the debtor, you just need to consider what grounds you are going to be refusing it on if you acknowledge the debt is yours and particularly if you've not been paying the debt in any way. 
  • MSE_ForumTeam5
    MSE_ForumTeam5 Community Admin Posts: 772
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Community Admin
    we've moved this to a more appropriate part of the forum
    Official MSE Forum Team memberPlease use the 'report' button to alert us to problem posts, or email [email protected]
  • sourcrates
    sourcrates Forumite, Ambassador Posts: 27,640
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    A restriction is all that can be placed on the land registry file, as the property is jointly owned, it will just sit there until you decide to sell, at which point the debt will need to be repaid from the sale proceeds.

    If you don`t sell, nothing will happen, it just stays on file as a restriction.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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