how do i remove a legal charge of my property

[sweets-on-the-move]

about 2 yrs ago anglian water applied for a charge on my property. was succesfull the debt is paid in full .so how can i remove this charge please.

[Von Greenbach]

I believe they have to contact the court to say the debt is now cleared, the court should the contact the Land registry.

[k1mmie]

Was it a charge or a CCJ?

[hammyhound]

If it is a charge get Anglian Water to have it removed and send you confirmation.

[k1mmie]

I agree. If it is a charge then as long as you have proof it is paid, they should take it off. If it is a CCJ, then you can hae it marked at satisfied, but it stays on for a total of 6 years. You may have to make a payment to the court for this.

[sweets-on-the-move]

the debt was for non payment of water rates .so they got ccj. then there solicitors obtained a legal charge on my property. debt paid in full on monday.need charge removed

[hammyhound]

Ask Anglian Water to remove the charge with immediate effect. Send them a letter asking them to do this, obviously with a copy of your receipt. They should also send you a copy of the Official Copies once this has been done. It only takes the Land Registry a couple of days to remove it.

 

Keep on at them if you don't get any satisfaction.

 

HH

[nicklea]

Speak to the Land Registry, they have a special department that deals with doing this. Sorry but I can't remember the details of where it is.

 

What you will need to do is to get a copy from the court showing that the ccj is satisfied and then post this to that particular department of the Land Registry

[hammyhound]

The Land Registry wont be interested in the CCJ only the Charge. CCJs are not registered on your property.

 

HH

[sweets-on-the-move]

i have just e mailed anglian water asked them would you do it in writing as well. many thanks to all for your assistance in this matter

[nicklea]

Well, when I spoke to them that's what they said to me. So I sent them a copy of the court form saying that the debt was satisfied and I got the charge removed.

[sweets-on-the-move]

due to unemployment from 2011 to 2012

 

i failed to pay my water bill in march 2013

 

got a ccj from the courts for £1287.27p

 

wrote to them in march 2013 replied saying they cannot accept payment plan for this debt and i must aproach the courts.

 

did so was told by the courts it was anglian water who should agree a repayment plan with you.

 

month ago got a letter saying i had days to sort this out or would apply to the courts for a attachment of earnings order

costing me a £100.00 in extra costs.

 

wrote back within time limit with full list of my circumstances and earnings offering them £10 per week

to review it in 3 months to see if situation improved when more could be payable to them.

to date no reply .

 

today 6th of june 2013 had another letter dated the 29th may 2013

as i continued to ignore there letters they was applying for a charging order

then they will apply to the courts for the forced sale of the property to clear the debt

unless i reply by 4pm on 12 june 2013.

 

my wife was in tears opening this and panacking what to do .

 

no letters been ignored

have proof of postage on all letters sent.

 

why are they behaving like this when im trying to sort it out and get a payment plan in force.

 

can any person advise me what to do next because i seem to be banging my head on a brick wall .

[Ell-enn]

You should apply to the court on an N245 form asking for the judgement amount to be varied to instalments you can afford. I have affixed an N245 form to this post. When you have completed it - take it to your local court (take a photocopy for yourself first) there is a fee of £40 to pay unless you are umemployed or receiving certain benefits (I have also affixed the info on what the criteria is for fee remission).

 

Anglian Water are a nightmare to deal with - get the form into court and let a judge order what payments you can afford - Anglian Water will have to abide by the court's decision.

N245.pdf

ex160a_web_1010.pdf