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Charge against a house...

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Hiya all.


Just to be clear and so you do not worry unduly - I am NOT in this situation at present. I would just like to know more about it, in case it arises or is threatened by "you know who".


Can someone advise or point me to an external website that explains the circumstances, procedures, controls that relate to the possibilty of a charge being placed on a home relating to an unpaid debt.


Examples of questions I have:


Legally WHO can request this of the courts?

Does the subject have to be advised in advance or can it be done without their knowledge?

Can it be opposed / defended by the subject / debtor in court?

What criteria does the court consider in granting or not, this penalty?

What are the implications for the subject / debtor if a charge is place on your home?


I don't expect all the answers from one post, but I would like to be able to fill in the gaps with some of your help and a bit of my own research.


Thanks in advance.





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