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Is my Land Registry Charge CH1 valid

micklyoldfing
micklyoldfing Posts: 1 Newbie
in House buying, renting & selling

We took out a local authority Housing Renewal Loan in 2011 which was secured against our property with a Land Registry Charge. Health reasons have led us to want to move home however the Charge on our property has become an issue. The council are claiming an amount far in excess of the amount stated on the charge and the charge itself has been altered after it was signed by us. The loan was never completed and we have no loan agreement, the council has failed to provide us with a copy. Is this charge valid?

Comments

  • Ectophile
    Ectophile Posts: 8,615
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Forumite

    Ask your solicitor. I don't think some random people on the internet will know.

    If it sticks, force it.
    If it breaks, well it wasn't working right anyway.
  • Albermarle
    Albermarle Posts: 32,663
    Eighth Anniversary 10,000 Posts Name Dropper
    Forumite

    This is basically a DIY forum, so not the right place for this legal problem.

  • silvercar
    silvercar Posts: 51,427
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    Ambassador
    edited 17 March at 9:44AM

    I’ll move this to the housing board.


    welcome to the forum, @micklyoldfing

    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • mta999
    mta999 Posts: 768
    500 Posts First Anniversary Name Dropper
    Forumite

    The charge is most likely valid - the amount owed is likely to be dependent on the agreement you signed etc.

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