Enforce Your CCJ with a Charging Order

What Is a Charging Order?

A Charging Order is a legal mechanism that allows creditors to secure a debt against a debtor’s property, such as land, a house, or securities. Once granted, the order means that if the property is sold, your debt must be repaid from the proceeds—giving you a legal interest in the asset.

It’s an especially useful tool if the debtor is refusing to pay but owns property of value. Even if payment is not immediate, a Charging Order can protect your interest long-term.

Who Can Apply for a Charging Order?

You can apply for a Charging Order if:

• You have a County Court Judgment (CCJ) or High Court Judgment in place,

• The judgment has not been paid within the required timeframe (usually 14 days),

• You know the debtor owns property or securities.

It’s not necessary to wait until all other enforcement options fail—Charging Orders are a valid and often effective route on their own.

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How the Charging Order Process Works

Step 1: Apply with Form N379

Submit Form N379 to the Civil National Business Centre or the court that issued the original CCJ. A court fee of £131 applies and may be added to the debt.

Step 2: Interim Charging Order

If your application is valid, the court will issue an interim order, temporarily securing your charge on the debtor’s property.

Step 3: Notification and Objections

You must notify the debtor and any relevant third parties (like mortgage lenders). They may file objections, particularly if they dispute ownership or the priority of your charge.

Step 4: Final Charging Order Hearing

A hearing will be held if objections are raised. If there are no disputes, the court may grant a final Charging Order without a hearing.

Step 5: Final Order Granted

If successful, your Charging Order becomes official and enforceable. You’ll now have a secured interest in the property. If the debtor attempts to sell or remortgage, your debt must be settled first.

What Happens After a Charging Order?

While a Charging Order doesn’t automatically result in immediate payment, it strengthens your legal position. In some cases, you may consider applying for an Order for Sale to force the sale of the property and recover your debt. This is a separate legal process, and we can advise you on whether it’s appropriate.

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Why Choose Phoenix Solicitors?

At Phoenix Solicitors, we make the Charging Order process clear, efficient, and effective.

Experienced Legal Team – We’ve helped creditors across England and Wales recover funds through Charging Orders.

Personalised Strategy – Every case is unique. We’ll advise on the best enforcement method based on your situation.

Transparent Pricing – Fixed fees, no surprises, and clear communication every step of the way.

Solicitor-Led Advice – As a regulated law firm, you’ll get legally sound, professional advice tailored to your goals.

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