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Charging Orders

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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.

charging order

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.

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How a Charging Order is put in place

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 advise how to stop this from happening.

Our panel of specialists can quickly advise you on what to do if you have received a charging Order or have been issued with a CCJ. Simply call the team on 0800 088 2208. Alternatively take the online bankruptcy test and find your best solution.

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Registered office: Kemp House, 160 City Road, London, United Kingdom, EC1V 2NX. Registered in England and Wales. Co Reg No. 11846763 is a comparison service that acts as an introducer to companies who offer regulated financial advice (FCA approved). Our website is completely free for you to use but we may receive a commission from some of the companies we feature. does not provide any advice and we are not liable for any financial advice provided by, or obtained through a third party. As with any investment, the value of investments can fall as well as rise and maybe worth less than what was paid in. Past performance is not an indicator of future results. does not provide any regulated debt activates in relation to debt counselling or adjusting. You can also get free impartial debt advice by following this link to the Money Advice Service.

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