Thank you. I did and they just said it’s all done through chaps so contact them. I’ll try again but as I work for a big organisation our payroll is only contactable via email/phone so it’s reliant on whoever answers unfortunately. Do you not expect restons to persist with enforcement? Im just so sick of them I want to be left alone, I’ve probably paid what I owed 3x over but have no original paperwork, I can’t even remember how much it was originally for I was only 18

Hi, i have received a letter from restons saying they know the house was sold and asking me to make payment in order to lift the charge (even though it’s already sold) I haven’t responded, not sure if I should? just wondering what action they could possibly take, do they have to go back to court to reinstate he CCJ or can they just look at another method of enforcement? I’m assuming they’ll persist on contacting me the ccj is from around 2011. also in relation to the AOE I’m stuck, I’ve contacted chaps who state they need the reference number to confirm where the money is being sent which I don’t have anymore.

Thank you. I think I might, it’s shocking that they can give out incorrect advise and get away with it. I haven’t done anything yet, I had spoke to Intrum who have closed my account saying it’s statue barred (they were the last owners of the debt) my HR have advised me to contact chaps to see where it’s being sent, which I will do now we have moved as I didn’t want to rock the boat. re:the dvla thank you, that’s my next job. thank you for all your help

Just to update. My buyer’s solicitor agreed with contact being made on completion. it’s been a stressful few days with this hanging over me and as we didn’t exchange until day of completion I was concerned it would crop up again, however it didn’t. All went through and we moved into our new home without having to pay anything to the creditors. thank you so much for your advice. Is there anything I need to do with the creditors now? Do I give them my forwarding address and could they possibly take any further enforcement action? thank you

Thank you. I have replied I am just waiting to hear back. It is difficult when it is the buyers side so hoping my solicitor is able to get their understanding. they want us to complete next week and I have also explained that doing as they request will delay matters so hoping they will agree. I just can’t settle with it being g out of my hands

Hi, thank you for your help previously. I am now so close to exchange/completion and have been contacted by my solicitor to advise the buyer’s solicitors have now asked that the creditors are contacted to establish their requirements to remove the restrictions. My solicitor had previously advised this was not necessary and I have replied to say as such but Im now worried they’ll not wish to proceed and I’m not sure what I can do/say to get this resolved if the issue is the buyers solicitor?

Ok thank you for your reassurance. They are awful and have been clearly searching right move! I will just not respond then and let my solicitor deal with it after completion. I will not sleep for the foreseeable

Sorry me again! I have arranged a solicitor who seems to be more clued up regarding the restrictions. however, I have since received correspondence from restons to say they note my house is up for sale (how?) and that they have a full charging order against me and won’t remove until they receive full payment. Now I know this doesn’t matter as such as it’s a restriction but can they take me to court or take any action before the house sale goes through to change the words if the restriction or anything? apologies I don’t understand how it all works and now I’m worried they know I’m selling

I have spoke to my solicitor again, who is insisting she contacts the creditors asap so they have “sufficient” notice of the sale. She advised she is “familiar” with these restrictions and her requirements. If they write back they are obviously going to say they want the money (and there isn’t enough equity to settle the outstanding amounts) what can I do? Can we just move forward as they have been contacted as per the requirement or will my solicitor insist they settle the debts? Is it worth me switching solicitors? Please help

Im not sure. I just don’t know what to do, I’ve contacted a few solicitors and none seem to be able to help.

I’ve said this and she has said she is not comfortable and basically said find another solicitor

I’ve sent all the information and she’s said nothing she can do. I’ve tried several solicitors and nothing. I have no equity so can’t pay them even if I wanted to? What can I do. Please help i feel like I will be stuck forever

My solicitor has got wind of these restrictions and does not feel “comfortable “ proceeding without written instruction from the creditor. can anyone recommend a solicitor who can help or advise me what I can do next? thank you

I have read about a stop order in relation to a charging order and wondered if this is something they could instruct if they have knowledge of our plans to sell? thanks for your assurance, will look at the AOE also

Apologies, my first time commenting on here. does it not say the proprietor or their conveyancer, I assumed that was me or my solicitor. Should I instruct my solicitor to do anything? I understand what it says I am just worried they will contact the credit and they will apply for a court or freezing order to halt the sale? and in relation to the AOE, how would I stop this if it is court ordered? I don’t want to risk affecting my credit as it has took a long time to build up