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Charging order 15yrs+
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ChilliPepperSpice
Posts: 9 Newbie
I have a very old ccj with a charging order to the value of around £2000. The order is over 15 years old and the debt is unpaid.
I have had a letter from a company that Lowell have instructed to possible take this further.
can anyone tell me what could happen and if I need to contact them please? I’ve done some reading and I understand that they can reapply to enforce this but it’s over 15 years old and for £2000
I have had a letter from a company that Lowell have instructed to possible take this further.
can anyone tell me what could happen and if I need to contact them please? I’ve done some reading and I understand that they can reapply to enforce this but it’s over 15 years old and for £2000
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I think they are going to struggle.
An order for sale would undoubtedly fail. I assume you are living in the property. Anyone else?
They could in theory apply for bailiffs but as the judgement is over six years old that is blocked unless they can convince a court this is exceptional in some way.
Is this a solely owned debt on a jointly owned house, by any chance?
You could write to them and ask them what they think they are doing. See if they will respond in writing.0 -
Yes it’s a sole debt from a credit card on a joint property, does that have any meaning to it being able to be chased after all this time?
Thinking about it, I’ve not acknowledged this debt since approx 2008 or 2009.
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I’ve not long for my first CC in over 25 years, could this be why they are chasing?0
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Do they definitely have a charging order on the house?
Seems odd to start chasing when they don't need to as they get paid when it gets sold. Maybe they are now trying to hurry along the process or perhaps hoping for a lesser payment to close it off - though I do wonder if they would get rid of the order once they got their money or just tell you to jog onSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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The letter says they do and I vaguely remember the ccj later stating that all those years ago0
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If the house was jointly owned then only a restriction could be registered, not a full CO.
Have you checked with the Land Registry to see what is actually recorded on the deeds?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-letter0 -
Yes the charge is on the title register0
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So what does it say?If you've have not made a mistake, you've made nothing0
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It'll be a restriction.
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It just says Registered Charge and the date it was placed in 2007.
thank you so much for all your replies so far I really do appreciate it0
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