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My name is***** and I'm happy to help with your question today. I need to ask you some preliminary questions to be able to help you.
Did they get a judgment against you in the County Court?
A charge can only be placed on your property with your consent (e.g. mortgage, secured loan) or by law (e.g. court order). If the charge has been applied as a result of court proceedings of which you were not aware your starting point is to make an application to set aside the judgment. You will need to find out the court which dealt with this and the case number ***** make an application using form N244 which can be obtained from the court or the HM Court Service website. When you lodge the application a hearing will be fixed for a Judge to consider your application. If as a result of what you say the judgment is set aside then you can take steps to have the charge removed. It is not unusual for a court to deal with charging order applications in the absence of the defendant - however the paperwork relating to the applicaiton must be served in advance of the hearing. If this has not happened then failure to serve the paperwork properly will also be a ground to set aside the judgment.