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Subject Topic: Charging order on property Post Reply Post New Topic
PersonMrs. Bonce
via mobile 24/12/2023 at 10:39am
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Not for us, but for OH's nephew. Does anyone understand it? He says he still has to pay it years after his ex left.


Personmarg6
24/12/2023 at 11:51am
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not sure what the question is to be honest


PersonMrs. Bonce
via mobile 24/12/2023 at 12:32pm
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Me neither, never heard of it, but I don't know why he hasn't contacted Citizens Advice


Personkpnuts81
24/12/2023 at 12:49pm
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A charging order secures a debt you have with a creditor against your property, this means if you sell or remortgage before the debt is cleared, the charging order will be paid from the proceeds, a creditor can only get a charging order if they already have a county court judgement against you, this information was quoted from a Google search


Personkpnuts81
24/12/2023 at 12:52pm
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https://www.stepchange.org/debt-info/debt-collection/charging-orders-and-my-home.aspx
Mrs Bonce this is what I found on google, I don’t know if it helps at all.


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PersonMrs. Bonce
via mobile 24/12/2023 at 1:41pm
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Thanks both.


Persondaveyjp
26/12/2023 at 6:12pm
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A charge is there to cover a debt. The most common type of charge for most homeowners is from their mortgage provider.

The lender will place a charge on the property in the form of a mortgage deed which stops the homeowner selling the property until the charge is paid off. When selling a house the mortgage will be paid from the proceeds and the charge removed.

As this sounds like a divorce or similar the ex may have an interest in the property, but the property wasn't sold as part of the break up. The ex can therefore register a charge which prevents the sale until their share of the proceeds (the debt) is paid.

The basic details,of the charge will be recorded againat the property title (little more than the beneficiary) the Land Registry may also hold a copy of the actual deed which sets out the terms and conditions of the charge.

I often deal with perpetual charges which are never removed and 30-40 years later when a property is put on the market its hunt the documents time.


PersonMrs. Bonce
via mobile 26/12/2023 at 7:36pm
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Thanks, she did have an interest but he says that he had to pay her monthly for years as she left but he stayed in the house which they bought together. I thought that once she was paid in full then that would be an end to it.


Persondaveyjp
26/12/2023 at 9:29pm
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If the debt has been paid it is the end of it, but the process to remove the charge isn't done automatically.

It needs the creditor to agree the debt is fully paid up and an application made to Land Registry to remove the charge.


PersonMrs. Bonce
via mobile 27/12/2023 at 8:53am
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Thanks, that would be the reason She was a scheming cow who saw him coming. She got all the money which had been his Mum's, and literally took everything in the house which wasn't nailed down. This is the same nephew of OH who lost his girlfriend to suicide recently.



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