Thanks.. as I understand it, anyone wanting to remove the charge (be it the owner of the debt or a registered proprietor) must contact the LR, not the court? How does this work in practice, with people selling houses and needing to transfer title? The LR are sooooooo slow it takes years to get anything done, how can my title be properly transferred?

So, the debt has been legally assigned to a new company, but the judgement (charging order) remains on the LR as Black Horse Ltd. To remove it, what steps must I take? I'm not saying I won't pay it by the way, but how does that happen if I pay the new company - do they have authority to inform the court and then would it be lifted?

but they would have had to apply to the court to have the debt and charge registered to them... and they haven't...They can't just tell the court they are without going through the formal process - which they've had 10 years to do and haven't.

Equitable charge created by an interim charging order in favour of Black horse Ltd.... But they no longer hold the debt, so I can't pay them. Another company owns the debt..so if I pay this other company what's the guarantee that Lloyds TSb/Black Horse will lift the order? Aren't I better asking the court to remove it as Lloyds/Black Horse no longer have a financial interest in my property? I have been in touch with the court and they said due to age of charge - there are no records " Due to the age of the case, and there being no further action in it for 3 years after the date of the last paper, the stated claim reference number no longer provides a return on the court record. For the same reason no paper file is held, the court under the General Data Protection Regulation (GDPR) being permitted to retain civil paper files for 3 years after the date of the last paper filed. Regretfully therefore the court is unable to provide any copy or information relating to the case. As stated below it would be the Claimant’s responsibility to contact the Land Registry to remove any charge." So, it's either the LR or the claimant (who no longer has the charge because it's sold) the new owners of the debt cannot ask the court to lift the charge... ASFAIK

Yes I am...

Hi, This relates to an old debt from 2009. Overdraft turned into loan by Lloyds Tsb Loan in name of Black Horse Ltd. CCJ obtained and interim charging order in 2009 - Debt then sold to the Insolvency Exchange (TDX) Group or Grove. Wanting to sell house but realised this may be an issue. Can I a) approach Black Horse and ask to remove charge as they have no legitimate financial interest in my property? b) ask court to remove (if so what evidence will they require?) New creditor have had 12 years to register their interest but haven't. I'm guessing that Black Horse legally should remove it... Any thoughts? *edit* Debt sold in 2012.....

Update. They wrote again saying they were sorry that they'd sent me the letter saying my data was ringfenced.. it was destroyed in april this year.. Do I believe them? Can I get any further with this? Have reported to the ICO

Thanks.Just putting in the complaint now! Thanks for all the help

Ok, I will do that.. How can something go from being non-existent to 'ring fenced' for destruction at a date that's already passed? Will the ICO make them give up the goods? hope so!

Update. After being SAR'd Blemain write this: Thank you for your request etc. Your data falls outside of our retention periods which have been set in accordance with law and regulation. Your data has been ring fenced for deletion and is in the process of being destroyed as of the 26th April 2019. This explanation has been sent in accordance with guidance issued by the ICO If you are not satisfied you can raise a complaint etc. I have also got another letter saying they can't find any record of me and could I supply account number, address, date of birth. All of which I had previously. I'm a bit confused as to why suddenly now they've located my data they inform me they are in the process of destroying it! Any ideas what my next move is? I've asked for a certificate of destruction as they said previously they had already destroyed it.. Seems like they are telling porkies.

Update. Blemain still say all records destroyed. They've phoned me a few times but I won't speak to them prefer to keep it all in writing. Sent the SAR to the director as advised.. Will see what that yields. Thanks all.

Thanks I will send the SAR again to the Director (at the same address though) Cheers

I sent one to Together Money- who are Blemain I believe? Unless there's another address ? I sent one by post to the address on the Together site...

Together Money have informed me the account is too old to be SAR'd... Should I take them at their word? (by email) thanks again

Thank you, so that's basically from now? I don't hold out much hope of them digging out my papers and they've already said there are no records, but I will see what the SAR throws up. Thanks again