Hello Michelle my name is ***** ***** I will help you.
Will there be enough equity in the property to pay the debt and you?
Ok. Well done the solicitor that handles the sale will first pay the debt out of the co owners share then they will pay you your equity and then the equity left to the co owner less repayments you have made.
If you have made payments you are entitled to this back out of the proceeds of the co owner.
You could get your own charge on the property but you would need a county court judgment in order to get that. You can issue a claim online here at www.moneyclaim.gov.uk
Once you get judgment you can get a charging order.
Can I clairfy anything for you about this today please?
It can take a two months if not contested. Cost depends on value of claim, but generally around. 5%. This cost is added to the claim.
Does that clairfy?
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