Fair enough. Do you think its worth approaching the 2nd charge lender with a full and final settlement offer to remove the charge?

Hi there. Not sure to be honest but shows on LR as an equitable charge in favour of HBOS.

HI there. Apologies for the length of this post in advance but I need advice urgently. My wife and I bought a number of properties back in 2007-8 just before the property crash. As many of the properties went into negative equity we eventually surrendered to the LPA who sold them all at a massive undervalue. We have tried contesting this a few times in court but to no avail. These shortfalls were entered as CCJs in 2010 then entered on LR as charges against our main family home which is solely in my wife's name. Fast forward to today and we are once again struggling due to high interest rates, however we are not in a position to sell or remortgage as the equity is consumed with a 2nd and now a 3rd charge from two other lenders. I read a thread a while ago about charges falling away upon sale and wanted to know if this is possible. If so, is it advisable to sell the property with the permission of the 1st charge lender and then negotiate a settlement as a percentage of the debt owed with the remaining charge holders IF this is possible following sale? Looking at Land Registry it appears they are entered the debt in 2010 as interim charging orders. We have not contacted the 2nd charge holders as yet for fear of putting them on high alert. If we can remove these charges we would be able to free up around 450k in equity which was always meant to be our children's inheritance. Any advice would be gratefully received.