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Good evening, I am sorry to hear of your situation. If there is a legal charge then this is usually registered against the property. You may or may not receive some repayments in the meantime, but the charge remains until such time as the property is sold and you then receive your money plus interest.
If this is a large amount of money you could apply to the court for an Order for Sale but often the mortgage is the first charge and yours is the second charge.
You have 12 years to sue on a mortgage debt, ie if your home was repossessed then the lender has 12 years to sue you for the difference so I don't think that this applies in your case - as long as your charge remains on the property.
You could start badgering them to make repayments if you think that this might work.
Thank you, ***** ***** partner know where you are? Does the Title Deed show your contact details, if not you may need to update these at the land registry?
Don't worry, you have every reason to make sure you get repaid. Let me check the land registry position regarding your details.
Hello, try this link
To change your contact address you should download Land Registry Form COG1, from the Government website, complete it, and send it to the Citizen Centre, PO Box 6350, Coventry CV3 9LP.
Thank you. Good night.