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What is a Charging Order?

A charging order is an order from the court that allows the creditor to place a charge on your property.

This means the debt is secured against your property. The creditor will also require you to pay a monthly payment towards the debt.

If you sell your house and you still owe money on that debt, the balance is paid off using the proceeds of the sale. 

A creditor can apply for a charging order if:

  • You have a county court judgment for their debt and have missed payments
  • The application for a judgment asks you to pay immediately or ‘forthwith’ and you have not asked the court to change this

If the creditor applies for a charging order you will first receive a letter telling you that the creditor has an interim charging order.  This means that you cannot sell your house until the process is finished. You will also be given a date for a final charging order hearing in your local county court.

You must attend the hearing as this is your opportunity to tell the court why you haven’t paid and to give them details of your financial difficulties.

Charging Order help

If you have received a Charging Order or your lender is threatening to apply for a Charging Order you should contact us as soon as possible. We can review your circumstances and help find you a debt solution for you. Simply call the team on 0800 088 2147

Expert help and advice when you need it most

Our team of specialist debt advisors can assess your financial situation and personal circumstances, and then recommend the best debt solution available to you. Simply call the team on 0800 088 2147
Alternatively take the online debt test and find your best solution. Find your best solution with the online debt test


Solutions to deal with Charging Orders:

Become stress free from as little as £100 pcm
With a Debt Management Plan you could simply pay one affordable monthly payment and no longer have to deal with your creditors..
See if you qualify  DMP eligibilty test
 
Write off up to 70% of your debt
If you qualify for an IVA you could:
Write off up to 70% of your debt
Freeze all interest & charges
Keep your house

See if you qualify  IVA eligibility test
 
Scottish Resident?- be debt free in 36 months
Be DEBT FREE in 36 months using Scotland's answer to the IVA.
See if you qualify  Trust Deed eligibility test
 
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DebtAdvice-Online.co.uk does not charge you any fees for our service, however the partners we work with help fund the DebtAdvice-Online.co.uk service. Our partners charge fees and those vary depending on the partner and the debt solution. Customers should refer to our partners' websites for more information regarding their services.

We will pass your details on to one of our debt partners who will contact you and explain all the options available to you. They will then be able to help you set up a debt solution which is right for you.

Debt solutions should not be entered into lightly - they affect your credit rating. Failure to keep up with repayments can result in bankruptcy or legal action. Different debt solutions have different risks attached to them.

The lender is not obliged to accept less in settlement of the debt than they are entitled to; nor to freeze interest or charges. It could result in the total amount payable increasing, or the period over which it is to be repaid increasing. Debt solutions affect credit ratings.

The debt products and solutions offered by our partners depend on your criteria and circumstances, including how much you owe and how many creditors you owe money to. You need to speak to a debt advisor to obtain a full assessment.

 
 
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