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Could a single credit card debt be turned into a joint debt for a charging order?

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Comments

  • Land_Registry
    Land_Registry Posts: 6,120 Organisation Representative
    Part of the Furniture 1,000 Posts Name Dropper
    fatbelly said:
    Well that's going to come back 'no longer trading' then
    Makes no difference if you are simply needing to comply with the restriction. The restriction simply states that the conveyancer needs to certify that written notice of the disposition was given to X at Y address. They don’t have to confirm receipt or otherwise 
    Official Company Representative
    I am the official company representative of Land Registry. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
  • fatbelly said:
    Do Equidebt still exist? I think they dissolved about ten years ago
      In which case I wonder to whom a solicitor would send the notification anyway.
    Notification is sent to the name and address stated on the register. The restriction is quite clear as to what’s required 
    I know it is, I meant if they don't exist. 
  • sourcrates
    sourcrates Posts: 31,330 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    There only obligation is to send the notification to the last known address they have on file.

    Whether the company still exists or not is of no relevance, the only obligation is to send notification, nothing more.
    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 forumteam@moneysavingexpert.com. 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
  • peb
    peb Posts: 1,952 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Slightly naive by the land registry representative.

    Yes, forwarding the notification satisfies the restriction, a certificate can be forwarded and the application can proceed.  But the restriction remains in place which means that any purchasers solicitor will proceed.

    You can get the restriction removed I'd the beneficiary no longer exists but if you are considering selling then deal with that prior to marketing .
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