Extremely old interim charging order, how to progress?

[arfski]

Going through the process of remortgaging my old house, and a question has come up from the conveyancers about a charging order. The wording from the land registry is:

 

"Equitable charge created by an order nisi of the Luton County Court dated 22 July 1996 in favour of American Express Europe Limited."

 

I have a vague memory of once having an American Express card, it obviously must be that though a Companies House search for the company name has it ceasing to exist on the 12th June 1996, probably is the American Express and they just changed their name. Otherwise, I have no more information to go on.

 

After a lot of searching and reading up on this site it must have been in respect of a CCJ that had been granted at some point, but in the intervening 21 years if there was any paperwork, it has long since vanished.

 

The conveyancers say that they need to contact the placers of the charge and ask them if they are happy deferring payment of that charge, but will check with their 'technical team'. Any advice on how to proceed?

 

Thanks!

[dx100uk]

Is it a joint mortgage but this debt was only in your name?

[arfski]

Thanks for reading the post, mortgage has always been just in my name.

[dx100uk]

then sadly it needs to be settled yes

 

 

AMEX legal dept is your target

 

 

Consumer Credit, Charge Card and Centurion Card Members

UK Executive Customer Relations

American Express, Department 333, 1 John Street,

Brighton, East Sussex, BN88 1NH

Phone: 0800 917 8047 or +44 (0)1273 696933

[arfski]

We'll see what they have to say then, as the conveyancers are going to contact Amex. I would have thought there might be some limit to how long something such as an interim charging order or CCJ could last for, 21 years must be quite a record?!

[dx100uk]

sadly CO stay until paid

shame it wasn't a restriction

then it does have to be paid!

[arfski]

Was rather hoping that the 12 year rule would help, but obviously not.

 

I'm genuinely struggling to recall ever having an issue with Amex let alone a CCJ, and I'm at a loss to understand how this ended up on the Land Registry records. I guess I can ask Amex or Luton County Court for details of the original case?

[Andyorch]

Was rather hoping that the 12 year rule would help, but obviously not.

 

I'm genuinely struggling to recall ever having an issue with Amex let alone a CCJ, and I'm at a loss to understand how this ended up on the Land Registry records. I guess I can ask Amex or Luton County Court for details of the original case?

 

It would be advisable then you know whether it is validly placed.

 

Andy