letter from land registry RE:cabot restriction - do i object to it?

[The Prophecy]

had a letter come today,

it says notice to a registered proprietor of an application to register a restriction against the land,

disposition was given to Cabot financial.

 

 

Either sign consent or object against it.

 

 

What does this mean in simple terms and what should I do sign or object.

 

 

Any help appreciated.

[renegadeimp]

It means cabot got a judgement against you for a debt and they want to put a restriction on your house. Its usally a restriction K though which means they dont get a penny. You just have to inform them if its sold.

 

Can you post the full letter up please?

[The Prophecy]

It means cabot got a judgement against you for a debt and they want to put a restriction on your house. Its usally a restriction K though which means they dont get a penny. You just have to inform them if its sold.

 

Can you post the full letter up please?

 

Restriction

 

No disposition of the registered estate,

other than a disposition by the proprietor of any registered charge,

registered before the entry of this restriction.

 

 

Is to be registered without a certificate signed by the applicant for registration or their conveyancer that written notice of the disposition was given to Cabot financial.

 

The notice requires you to object to the application or consent to it.

Before 17th March 12 noon.

 

Restriction

 

No disposition of the registered estate,other than a disposition by the proprietor of any registered charge,registered before the entry of this restriction. Is to be registered without a certificate signed by the applicant for registration or their conveyancer that written notice of the disposition was given to Cabot financial.

 

The notice requires you to object to the application or consent to it. Before 17th March 12 noon.

 

It's ten pages long so just copied what looks like important bit.

[ericsbrother]

do you owe them money?

If not object as a matter of course and then find out why they have got a CCJ in your name.

 

If you do owe them money did you defend the claim and loe or did they get a default judgement because you did nothing about it.

 

If they got a default judgement and you knew nothing about it then you need to find out when and where and consider going for a set-aside if you want to fight it.

[dx100uk]

object to it.

 

so cabot got a backdoor CCJ and have gotten a CO

is the house solely in your name or jointly mortgaged/owned?

 

I would assume you moved in recent times and didn't inform your creditors??

 

dx

[The Prophecy]

In mine and my wife's names,

 

think it was a mutual clothing account from years ago but not sure.

 

So do I sign it or contest it???

[dx100uk]

what do you mean by a mutual clothing account?

it was a catalogue debt in both your names?

 

if it is a CCJ in just your name then as advised its only a restriction, all you have to do is tell them after the house is sold...

 

pers i'd object

 

but

there a few things to get sorted ..

 

back to my question above..

have you moved in recent years and didn't tell your creditors

as you should have done?

 

have you looked at say your credit file and found out the CCJ number and when it was attained?

just as a side issue get your mrs to check hers too!

[dx100uk]

it appears you cant object

its automatic now

[The Prophecy]

it appears you cant object

its automatic now

 

So do I just have to leave it?? The debt is from at least 5 years ago,no we have lived in our house for 20+ years so haven't moved.

[AndyOrch]

So do I just have to leave it?? The debt is from at least 5 years ago,no we have lived in our house for 20+ years so haven't moved.

 

The only way to object to the charge is to set a side the judgment..if you have grounds to set a side and a valid defence.

 

 

Andy

[dx100uk]

What date was the CCJ?

[Ganymede]

it appears you cant object

its automatic now

 

The OP can object to the Charging Order, but it won't work though.

 

It's the CCJ that needs setting aside.

[ThedaBara]

Interim Charging Order? TB

[ThedaBara]

If this relates to an application for an Interim Charging Order, I suppose you should object/defend citing that you have no knowledge of the debt... TB

[Ganymede]

 

But, if the debt is in both names it's a charge on the property rather than a restriction. TB

 

 

Not necessarily.

 

If only one party is named on the proceedings and has a judgment against them the Charging Order will be registered as a Restriction.

[Ganymede]

If this relates to an application for an Interim Charging Order, I suppose you should object/defend citing that you have no knowledge of the debt... TB

 

 

 

That's not a sufficient reason to object unfortunately.

 

The debt exists and is proven as far as the Land Registry are concerned as there is a CCJ.

 

Setting aside the CCJ is the only way, assuming the OP has valid reasons.