Landlord vanishes with my deposit!

Snooze

SquatNow wrote: »

Not only can you put a charge on the landlords house, you can force it's sale as well. It's cheap and easy to do... the rules changed in April 2006, now anyone owed money can easily and cheaply put a charge againsts the debtors house and if the debtor doesnt pay within 30 days, force the sale.

Effectively, all debt is now secured on your property.

You're off again with this "the rules changed in 2006" :rolleyes: :rolleyes: . For the 79th time, provide an official source for this alleged "rules change" !!!!!!!!!!!!!!

The simple fact of the matter is that you can't, because no rules have changed.

You should be banned from the forums for talking bull !!!!. :rolleyes:

Rob

tbs624

Snooze - don't be so unkind :rotfl: Squat's posts can often brighten up a dull thread.

I maybe wrong but I think this is maybe something that Squat plucked off an HPC post, and it's not a proper interpretation.

Originally a charging order could only be obtained against your property after you'd defaulted on a CCJ,but the CABs and debt advisory folk weren't happy about provision with the Tribunals, Courts and Enforcement Act 2007, that would apparently allow such an order to be made even where there had been no default. The idea is apparently to close the loophole that debtors use to avoid paying a debt off by claiming that their only asset is their home.

Anyway, see here for the Act in all its shinyness: http://www.opsi.gov.uk/acts/acts2007/pdf/ukpga_20070015_en.pdf All very interesting but at this time of day I can't be bothered to trawl through it.

I have heard that some councils have pushed people towards bankruptcy over unpaid C Tax using charging orders etc, and it does seem that some collection agencies will try hard to get debtors to agree to a voluntary charging order without them realising the full consequences.