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What happens to a charging order if the debt has been sold?

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I have 2 old charging orders registered on my property. The first was for a lloyds debt which I have been paying £50 a month for years, after the 6 years following the Ccj lloyds sold the debt to moorcroft but land registry still shows a charging order.

The second was for direct auto finance and still shows as an interim order from years ago. They have never contacted me asking for payment.

I am now happily in a good financial position and want to remortgage. I have a mortgage offer from Halifax and the Conveyancing has started. I am happy to pay any monies owed but I just want to know who I should be paying and how o get the restrictions lifted. Surely if lloyds sold the debt they aren't intitled to keep a charging order as I don't owe them anything! Equally I would assume by now direct auto sold their debt on I seem to recall a letter years ago from hillsiden though I can't be certain. Any advice on what to do?

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Moorcroft don't buy debts...so Lloyds still own it

 

 

as for DAF yes car I believe they are now provident.

 

 

not hold on a tick.

 

 

if it says RESTRICTION

then there no need to tell anyone until AFTER the house is sold [if you want too!]

 

 

can I assume the debts were yours but the home is jointly owned?

 

 

if that's the case they are a restriction K

you dont have to tell anyone you are selling nor pay them.

 

 

read what it SAYs CAREFULLY.


please don't hit Quote...just type we know what we said earlier..

 

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Moorcroft don't buy debts...so Lloyds still own it

 

 

as for DAF yes car I believe they are now provident.

 

 

not hold on a tick.

 

 

if it says RESTRICTION

then there no need to tell anyone until AFTER the house is sold [if you want too!]

 

 

can I assume the debts were yours but the home is jointly owned?

 

 

if that's the case they are a restriction K

you dont have to tell anyone you are selling nor pay them.

 

 

read what it SAYs CAREFULLY.

 

 

The OP isn't selling the house, but remortgaging it.

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