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callmejulie

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About callmejulie

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  1. Thank you so much. I will do that tomorrow and let you know how I get on! You have been so helpful and I will make a donation to the site as soon as payday arrives
  2. Yes, I have a copy of the order... I even laminated it lol. I'm just waiting now to see what happens - if they remove the charge or even how it will impact on the mortgage which (even though I have paid for the past 5 years) is still in joint names. I am hoping now the deeds are in my name the bank will be obliged to put the mortgage in my name but no idea what will happen. It's been a huge learning curve and I continue to learn new things every day!! I can't thank you enough for all your help. THANKS!!
  3. Ah, yes. That makes sense. From memory it was all done at the time of the loan by a Conveyancing Company that CTI put forward. There definitely was a 'charge' made against the house when the joint loan was secured against the home owned in joint names. Im not sure now, however, the house being in my sole name....if it has carried the joint 'charge' with it when it was put in my name. Knowing my luck it probably has but not sure how to check. Even though they have the charge they have never taken steps to recover their loan through the courts by forcing me to sell the property.
  4. duh... sorry not sure I understand. What is a Charging Order and why would Cti need one of those? The loan was signed in 2008 and I think the only paperwork we were given was the Loan Agreement. My ex scarpered within months of it being signed so not sure if he got anything that he took with him.. Oh this is all so complicated I feel like a blindfolded man with amputated arms!! I really appreciate your help though.... As I said I can only immagine there is a reason behind Cti not applying to the courts to force me to sell the house - I just don't know what it could possible be.
  5. the loan was taken out in joint names. the house, at the time, was in joint names. the court ordered in october 2008 that the equity in the house be transferred to me but, due to my ex's reluctance to sign, the new deeds were only recently lodged with the IOM Registry. thanks for the link - i will check that out.
  6. He doesn't have any financial interest in the house now as all his equity was transferred into my name in the divorce. The deeds are now registered in my sole name. That opens up another issue though... I assumed that the 'charge' from CityFinancial would remain on the deeds. From what you said maybe that isn't the case? Crikey my advocate is useless. I have got more sound advice from you in the 2 years I have used her!! Far as I know the debt is no longer with cti but with an solicitors in newcastle. Is it worth me not even requesting statements from them each year end?? I don't wa
  7. He doesn't have any financial interest in the house now as all his equity was transferred into my name in the divorce. The deeds are now registered in my sole name. That opens up another issue though... I assumed that the 'charge' from CityFinancial would remain on the deeds. From what you said maybe that isn't the case? Crikey my advocate is useless. I have got more sound advice from you in the 2 years I have used her!! Far as I know the debt is no longer with cti but with an solicitors in newcastle. Is it worth me not even requesting statements from them each year end?? I don't
  8. It has been about two years that no payments have been made by my ex husband. The only court order made by the Deemster was against my ex for him to make said payments. Never have the loan company (which incidentally was CityFinancial) approached the courts for any kind of order to force sale of the property. We presently only have 1 Deemster who could make an order for the house to be sold and (lucky for me) it is the same one who made the order against the ex. He said openly that he wouldn't condone any application from the loan company ...... he had ordered the ex to pay it but Ci
  9. I presently live on the Isle of Man and, with my husband took out a personal loan (secured on our home) from a Manx company. This company folded and never re-opened again on the island. The loan hasn't been paid for years (I got an order for my ex to pay it when we divorced as I discovered he had used it for a deposit for a new flat for him and his girlfriend) and I am being threatened by a solicitor in Newcastle to make a payment on the arrears which now stand at over 15k. From what I understand they can't get an order to get me out of the house (where I live alone with my 3 childre
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