UK Property Law

Get UK Property Law Questions Answered by Experts

Ask an Expert,
Get an Answer ASAP!

UK Property Law
This answer was rated:

I had a charge placed against my property for 3315 in 2012

hi. I had a charge...
hi. I had a charge placed against my property for 3315 in 2012 by south west water. without informing me south west water used money from payments I made against my current bills to go towards the charge taking it down to 1509.82 as of sept 17 so approx. 1800 . I managed to get a secured loan to clear my mortgage arrears and all charges so the new loan could sit second charge . this went through after getting all relevant details from charge holders and passing them on . when I asked for this info originally they tried to tell me it was still 3315 to get as much as possible against my total arrears , only after talking to several different people there did I find out the correct amount . I still owe them a substantial amount in arrears but only the 1509.82 as a charge . the loan has been paid and all the charges and arrears paid but now they (sww) are saying they wont put the admin through clearing the debt with land registry and court certificate of satisfaction . I have agreed a payment plan and they are now saying I still owe some against the charge to get more out of me . are they allowed to do this ? if there is an opportunity to pressure them because of the way they have done this please let me know . thank you
Show More
Show Less
Ask Your Own UK Property Law Question
Answered in 45 minutes by:
10/2/2017
Jamie-Law
Jamie-Law, Solicitor
Category: UK Property Law
Satisfied Customers: 5,871
Experience: Solicitor
Verified

Hello my name is ***** ***** I will help you with this.

On what basis wont they say its been settled?

Ask Your Own UK Property Law Question
Customer reply replied 3 months ago
Sorry on the basis I still have large amount of arrears and they are basically saying they won't remove the charge records until more progress on the ordinary arrears built up after charge put on is made .
Customer reply replied 3 months ago
If they hadn't diverted funds without telling me I would be 1800 further along in total debt clearance because the new secured loan was to clear all charges so they could sit second charge and I thought it was 3315 which they said was ok. The new loan co. want to sit second charge so I am not sure what is happening there but loan had gone through

Do you accept you owe any more or it’s been paid off?

Ask Your Own UK Property Law Question
Customer reply replied 3 months ago
I have paid off the charge in full as it was. Since the charge securing 3315 was placed further arrears have built up but all the charge amount has been paid

but the arrears are not related to the original debt?

Ask Your Own UK Property Law Question
Customer reply replied 3 months ago
The charge was for water bills not paid . The arrears are for water bills . All on the same address but charge was put on separately and I was able to cover bills then I got into arrears again
Customer reply replied 3 months ago
Hi is there a problem please

Sorry I was just in Court. But the arrears for the period of question have been cleared?
Do you just have new arrear

Ask Your Own UK Property Law Question
Customer reply replied 3 months ago
sorry , the charge amount was given a separate account / payment ref number . I contacted them asked what was left o it to pay , gave the details to the secured loan co. who wanted to sit second charge and they cleared it. They had put 1800 towards it out of my ordinary water bill payments after the charge was put in place without asking me
Customer reply replied 3 months ago
Just the new arrears left

ok. Then they can’t refuse to remove the charge for the old arrears. This is because judgment was given in the old arrears, not New. So that means you can apply to set aside the charging order.

You need to complete form n244

https://formfinder.hmctsformfinder.justice.gov.uk/n244-eng.pdf

The court will list the matter and decide whether or not to set the charge aside. But based on what you have said, it should be.

Can I clarify anything for you about this today please?

If not, I would appreciate a 5 star rating for my answer. Thanks!

Ask Your Own UK Property Law Question
Customer reply replied 3 months ago
Thanks I will. What do I out on the claim form

You want to have the final order discharged.

Does that help?

Ask Your Own UK Property Law Question
Customer reply replied 3 months ago
What do I put as amount claimed and claim number please ?

You are not claiming any amount. Its an application you are making using form N244

Does that clarify?

Ask Your Own UK Property Law Question
Customer reply replied 3 months ago
The link you sent goes to a claim form that asks for claimant defendant amount

I will try again:

https://formfinder.hmctsformfinder.justice.gov.uk/n244-eng.pdf

Does that clarify?

Ask Your Own UK Property Law Question
Customer reply replied 3 months ago
thank you . Is thete a fee for this form? Who do I make cheques out to for this one and an application for certificate of satisfaction please then I will rate 5 star thanks

£255. HMCTS

Does that clarify?

Jamie-Law
Jamie-Law, Solicitor
Category: UK Property Law
Satisfied Customers: 5,871
Experience: Solicitor
Verified
Jamie-Law and 87 other UK Property Law Specialists are ready to help you
Ask your own question now
Ask Jamie-Law Your Own Question
Jamie-Law
Jamie-Law
Jamie-Law, Solicitor
Category: UK Property Law
Satisfied Customers: 5,871
5,871 Satisfied Customers
Experience: Solicitor

Jamie-Law is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

A quick response, a succinct and helpful answer in simple English. I believe I can now confront the counter party with confidence -- worth the 30 bucks!

RickLeeds, UK

I did not know a French Law service existed and I was very impressed with the speed of reply --- very professional. Many thanks!

Ms. BakerAlfafar, Spain

Thank you so much for your help. Your answers were really useful and came back so quickly. Great!

MaggieUSA

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!!

AlexLos Angeles, CA

Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult.

GPHesperia, CA

I couldn't be more satisfied! This is the site I will always come to when I need a second opinion.

JustinKernersville, NC

< Previous | Next >

Meet the Experts:

Aston Lawyer

Aston Lawyer

Property Solicitor

1,736 satisfied customers

LLB(HONS) 23 years of experience in dealing with Conveyancing and Property Law

Thomas

Thomas

Lawyer

1,336 satisfied customers

BA (Hons), PgDip, Practising Solicitor

Clare

Clare

Solicitor

1,324 satisfied customers

25 years exeperience

INC

INC

Solicitor-Advocate

812 satisfied customers

LL.B, Pg.Dip, LL.M, M.B.A (Pending), Solicitor-Advocate. UK Practising Certificate issued by SRA., DIFC Courts Registered (Dubai)

Alex J.

Alex J.

Law

447 satisfied customers

LPC, 2 Years Conveyancing

Buachaill

Buachaill

Barrister

282 satisfied customers

Barrister 17 years experience

Matt J

Matt J

Solicitor

216 satisfied customers

LLB(HONS)

< Previous | Next >

Related UK Property Law Questions
I just need to kmow if there is any charges on my property.
I just need to kmow if there is any charges on my property. … read more
propertylawyer
propertylawyer
Llm
258 satisfied customers
Can an executor of a will rent out the deceased person's
Can an executor of a will rent out the deceased person's property before obtaining probate… read more
Clare
Clare
Solicitor
Bachelor's Degree
1,324 satisfied customers
Second opinion please have a question- would those on help
Second opinion please have a question- would those on help to buy scheme and Mortgage loan be able to do Airbnb Abdullah have a lodger? My neighbor is harassing me - he does not like the idea of traff… read more
ivorylounge
ivorylounge
Bachelor\u0027s Degree
38 satisfied customers
I have a question- would those on help to buy scheme and
Hi I have a question- would those on help to buy scheme and Mortgage loan be able to do Airbnb… read more
Michael Bradley
Michael Bradley
JD
1,191 satisfied customers
Myself and my girlfriend are having trouble with our
Hi, myself and my girlfriend are having trouble with our landlords who I would describe as 'Rogue Landlords'. My girlfriend has lived in the property for seven years and I moved in six years ago to be… read more
Jamie-Law
Jamie-Law
Solicitor
5,871 satisfied customers
We have a where we meet and hire out to the public much of
We have a hall where we meet and hire out to the public much of the time. There is an area of unregistered land at the back where both we and selected customers (usually the organiser &/or caterer) pa… read more
F E Smith
F E Smith
Bachelor\u0027s Degree
2,200 satisfied customers
I already have planning permission to build two houses in my
I already have planning permission to build two houses in my garden together with one house in my neighbours garden to make 3 houses. An amount has been verbally agreed with my neighbour for the value of their garden. I would now like them to enter into an Option Agreement with me prior to marketing the plot to developers. Would I be exposing myself to Capital Gains tax by entering into an Option Agreement with them? … read more
Damien Bosco
Damien Bosco
3,370 satisfied customers
A scheduled of leases in a property title Document lists 7
Hello A scheduled of leases in a property title Document lists 7 leases. 6 if the leases Have the words ‘part of, next to them, the 7th lease doesn't. Why is the 7th lease different and what does this… read more
Michael Holly
Michael Holly
Bachelor\u0027s Degree
6,663 satisfied customers
I am a leaseholder and installed a new boiler replacing old
I am a leaseholder and installed a new boiler replacing old gas fire with an electric fire and putting a new combi boiler in the kitchen and removing the large water tank in the storage cupboard - the… read more
Michael Holly
Michael Holly
Bachelor\u0027s Degree
6,663 satisfied customers
I own a studio flat and looking to sell, Ive renewed the
Hi I own a studio flat and looking to sell, Ive renewed the lease after a painful and costly dragged out court process.I have the property on the market and the freeholder has made a low offer for var… read more
F E Smith
F E Smith
Bachelor\u0027s Degree
2,200 satisfied customers
My mother passed away in September 2017. She left half her
Hi , my mother passed away in September 2017 . She left half her house to me in her will . My father is still alive and we are all currently living in the house . I am Exeter of the will . My question… read more
F E Smith
F E Smith
Bachelor\u0027s Degree
2,200 satisfied customers
I am currently looking at how to split property between me
Hello. I am currently looking at how to split property between me and my partner fairly. … read more
Clare
Clare
Solicitor
Bachelor's Degree
1,324 satisfied customers
Our builders have issued a court order and we need legal
Our builders have issued a court order and we need legal advice or solicitor to represent ourselves … read more
Jamie-Law
Jamie-Law
Solicitor
5,871 satisfied customers
My Daughter's Stepfather had a property company managed by
My Daughter's Stepfather had a property company managed by his son. 3/4 years ago the son sued his father for 1 million pounds that he said he was owed. A long court ensued which incredibly was won by… read more
frantzgregory
frantzgregory
670 satisfied customers
I am sole tenant on an HSBC mortgage and deeds to a new
I am sole tenant on an HSBC mortgage and deeds to a new purchase but would like my partner to have an equity share but without the mortgage liability. Can this be done this through a declaration of tr… read more
Buachaill
Buachaill
Barrister
Master's Degree
282 satisfied customers
I am a UK taxpayer. I plan to provide 150000 to a Brazilian
I am a UK taxpayer. I plan to provide £150000 to a Brazilian company for a small property development.The investment is repayable within 12 months at £150000 +20% or £150000+ 45% of the profit whichev… read more
Sarah G
Sarah G
Consultant tax lawyer
Master\u0027s Degree
36 satisfied customers
I currently have 1 property as a buy to let and a second property
I currently have 1 property as a buy to let and a second property with a standard mortgage. I am in a position to buy a third property and would like advice on what tax structurewould best suit these … read more
Andrew Baker(baktax)
Andrew Baker(baktax)
Self employed tax consultant
High School or GED
756 satisfied customers
My mother died in May and I have inherited 1/4 of the house,
My mother died in May and I have inherited 1/4 of the house, 1/4 my brother, 1/4 my other brother 1/4 my sister. My brother and sister want to stay in my mum's house. My brother has offered me his hou… read more
TonyTax
TonyTax
Tax Consultant
High School or GED
8,887 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x