poppet2   13 #1 Posted April 30, 2022 Whether someone has a mortgage or has paid in full, is it possible to arrange for a charge to go on the deeds of someone's property if they owe you a substantial sum of money? Also, how is this done, do you need a solicitor or do you have to go to court? Share this post Link to post Share on other sites Share this content via...
bassett one   440 #2 Posted April 30, 2022 you need our resident solicitor on here to answer that hope he sees your post Share this post Link to post Share on other sites Share this content via...
carosio   178 #3 Posted May 2, 2022 There's a discussion on it here, although from 2009: https://www.pistonheads.com/gassing/topic.asp?h=0&f=92&t=713990&i=20 Share this post Link to post Share on other sites Share this content via...
Jeffrey Shaw   83 #4 Posted May 3, 2022 (edited) On 30/04/2022 at 19:17, poppet2 said: Whether someone has a mortgage or has paid in full, is it possible to arrange for a charge to go on the deeds of someone's property if they owe you a substantial sum of money? Also, how is this done, do you need a solicitor or do you have to go to court? Yes. Two main ways: 1. Debtor executes a mortgage deed in creditor's favour. 2. Court makes (unsecured) Order; debtor defaults; Court makes Charging Order. Either the mortgage deed or the Charging Order needs to be protected by registration at HMLR. Edited May 3, 2022 by Jeffrey Shaw Share this post Link to post Share on other sites Share this content via...