Comments on: Can you sell a property without paying all of the CCJ charges on it?

By: Unbiased Find a Mortgage Adviser

Unbiased Find a Mortgage Adviser — Mon, 28 Jun 2010 05:47:15 +0000

Generally CCJ’s are owned by yourself and not applicable to the property specifically. You would still be liable for any shortfall but as you say this may be the best course of action in allowing you to repay your debts more quickly on a monthly basis. You can only try and approach them with this scenario. The FSA’s Treating Customers Fairly initiative would hopefully make this possible but the lender does have the right to refuse your request.

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By: Sue C

Sue C — Fri, 25 Jun 2010 12:54:46 +0000

To be honest the flat’s not yours to sell! It belongs to all those other companies so you’ll have to ask them. I think the Citizens Advice Bureau has specialist debt advisers, perhaps they can help you. Good luck.

By: JUSBEINDAVE

JUSBEINDAVE — Thu, 24 Jun 2010 21:47:05 +0000

You must be joking! You owe these people money and they want it; hence the CCJ’s. You are a bad credit risk who has defaulted once and are likely do so again so they will not let you pay back in instalments what they can grab when the flat is sold.

By: Mercian

Mercian — Tue, 22 Jun 2010 13:08:34 +0000

I would say you could do worse than approach all the parties in this and ask their advice. The snag is that the flat is the collateral for those companies that laid the charges. The companies would probably/almost certainly want their money first which leaves you with a shortfall re the loan/mortgage. Can you cover that somehow?

In my experience if you show, as you are doing, that you are being sensible and mature about things they will do all they can to help…its being kept in the dark while someone who owes money just gets into worse problems that makes them dispair.
Good on you though for doing what you can.