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unknown Charging Order 2009 - Nrock unsecured loan

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Hi All,

I am coming here for advice over an situation which i can only put down to my own stupid incompetence.

 

Back in 2007 I took an unsecured loan from Northern Rock.

In 2008 i was made redundant and was offered a job abroad which i accepted.

I rented out the house and my family and i all left the uk for a life in the sun. 

At that point the only uk debt i had was my mortgage and the loan from Northern Rock.

 

It is at this point were my stupidity comes in.

While clearing away all the old direct debits from my bank i must have accidently removed the one for Northern Rock.

The rental on the property was meant to cover the mortgage and the loan.

Any left over was tranferred back and spent.

 

I did not check the statements.

I wanted only to make sure the mortgage was paid.

I did not put the extra down to the loan payments not being taken.

I assumed it was saving made from the lower mortgage rate. (see stupid). 

 

I have spent the last 10 years unaware that i defaulted on the loan.

Its only now when i come to sell the house that the buyer's solicitor has informed me that i have a charge order against the property.

 

As far as i am aware there has been no contact by the bank.

I still have and use the email address that was used set up the loan.

There has been no correspondence.

The charge order was added in 2009.

 

Afer some searching i know the process the bank would have took to obtain the charge order but again i was not contacted at any point and i was again unaware the ccj was in place. 

 

My question is how do i find out how much the charge order is for and how do i get it removed?

 

I have not contact the bank since i found out (yesterday) and will do so as soon as can.

I would just Like advice to see if there was anything i can do with respect that the load was defaulted 10 years ago and there had been no contact.

 

 

Thanks

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is the home jointly owned but this debt is yours solely?

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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The mortgage and debt is under my name only. 

 

I know there is no way i can get away with not paying the debt.

But is there a way to find out how much the charging order is for?

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I doubt northants bulk will have any details of a CCJ from 10yrs ago.

 

the charge is in Nrocks name and not a DCA?

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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The solicitor named Northern Rock in the email so it must be under their name and not the DCA.

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go get the exact details from the landregitry.gov site

costs £3 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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thanks i will.

 

Will this show me the amount?

 

I am worried because if 10 years worth of interest has been added it may be more than i can afford

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cant add interest. unless the original judgement [CCJ] allowed it

very rare.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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That's good news.

 

I check the land registy site and see what information i can find.

 

Thanks for the information.

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