Charging order

Rita1960

It’s the lender, they want it removed I think my only choice left is to go to court and apply to have it removed, but I also discovered by accident that Dunelm achieved this company 15 years ago and I have reached out to them to see if they have an interest in this debt and if so come up with a solution to repay it and lift the charge so now I’m waiting on their response as they are taking a look at it . 

silvercar

Paging @Land_Registry

GDB2222

Rita1960 said:

It’s the lender, they want it removed I think my only choice left is to go to court and apply to have it removed, but I also discovered by accident that Dunelm achieved this company 15 years ago and I have reached out to them to see if they have an interest in this debt and if so come up with a solution to repay it and lift the charge so now I’m waiting on their response as they are taking a look at it . 

That sounds hopeful. 

TomThumb2

Rita1960 said:

It’s the lender, they want it removed I think my only choice left is to go to court and apply to have it removed, but I also discovered by accident that Dunelm achieved this company 15 years ago and I have reached out to them to see if they have an interest in this debt and if so come up with a solution to repay it and lift the charge so now I’m waiting on their response as they are taking a look at it . 

Yes, the underwriter would be the person making the decision at the lender. It may be that you have to go to court, but might be worth escalating at the lender given the small amount. And also getting a definitive answer from the LR about what they will accept. Does sound promising with Dunelm, maybe give them a reasonable deadline to confirm that they own the debt.

Bigphil1474

OP, do you have legal cover on your home insurance, car insurance or a trade union membership? Some of them will cover you for other legal advice.

TomThumb2

That is good advice - also, some lawyers offer a free initial consultation (quality can vary with this though)

Land_Registry

silvercar said:

Paging @Land_Registry

Pretty sure the OP is already aware re what's required from a registration perspective for this one. Either the creditor discharges it or the OP goes back to court to get it dismissed and then applies to update the register as appropriate. Hopefully they are on the right track as a result

TomThumb2

Land_Registry said:

silvercar said:

Paging @Land_Registry

Pretty sure the OP is already aware re what's required from a registration perspective for this one. Either the creditor discharges it or the OP goes back to court to get it dismissed and then applies to update the register as appropriate. Hopefully they are on the right track as a result

Is that 100% the Land Registry position that the only evidence they would accept is a court order and not evidence that the creditor isn't responding/can't be traced?

molerat

TomThumb2 said:

Rita1960 said:

It’s the lender, they want it removed I think my only choice left is to go to court and apply to have it removed, but I also discovered by accident that Dunelm achieved this company 15 years ago and I have reached out to them to see if they have an interest in this debt and if so come up with a solution to repay it and lift the charge so now I’m waiting on their response as they are taking a look at it . 

Yes, the underwriter would be the person making the decision at the lender. It may be that you have to go to court, but might be worth escalating at the lender given the small amount. And also getting a definitive answer from the LR about what they will accept. Does sound promising with Dunelm, maybe give them a reasonable deadline to confirm that they own the debt.

Dunelm bought the Dorma brand, an active UK textile company with a history going back to the 1800s, which had nothing to do with the dissolved get-rich-quick Dormatherm International from the 2000s, completely different companies.

http://dorma-therminternational.com/contacto.html

https://www.sleepcheaper.co.uk/the-blanket-trips

housebuyer143

TomThumb2 said:

Land_Registry said:

silvercar said:

Paging @Land_Registry

Pretty sure the OP is already aware re what's required from a registration perspective for this one. Either the creditor discharges it or the OP goes back to court to get it dismissed and then applies to update the register as appropriate. Hopefully they are on the right track as a result

Is that 100% the Land Registry position that the only evidence they would accept is a court order and not evidence that the creditor isn't responding/can't be traced?

The land registry has responded. They have told the OP what they need as have the other posters. Just because they can't trace them doesn't mean the LR can just remove the charge.