I honestly don’t think I had a ccj it just seemed so quick after the company closed that they put a charging order on. The house is jointly Owned but the debt is in my name as I was director.

I opened an account at CCF part of travis Perkins in 07, my company went bust a year later, CCF then pointed out I had a directors guarantee. I subsequently entered into an Iva with debt free direct so I didn’t lose my house. After completing the Iva with little problems and now 11 yrs on look to sell my house I have since found out TP have a charging order on my property. They stated they declined to enter into the Iva. I was not told about this and they have not contacted me for any payment in 11 years so was a little shocked to find this out now, they want £3100 to lift the charging order. Any advice would be appreciated.