As discussed the interim charge cannot be enforced after 12 years have elapsed, However , if we wait until then you will lose your sale.
As such you need to apply to set aside the interim charging order on your property.
You will needs to provide the court with grounds for setting it aside.
1. You did not receive a copy of the proceedings and did not have an opportunity to defend any claim against you
2. Had you received the Claim form you would have defended the claim as any business was done between the Claimant and the company, XYZ and not you personally.
3. You would like the charging order set aside to sell the property as you cannot afford to continue to live there. The property is on sale for £680,000.00 the amount to repay the mortgage is £66700.00 and there is just enough left to pay solicitors fees and estate agents fees.
4. As such, there would be insufficient to pay the claim of the Claimant
They might ask you whether you are asking for the original judgment to be set aside so you can defend the claim he made. If they mention this we need to say yes as this will have the effect of getting rid of the charge as well.