14:28 PM, 2nd April 2013, About 11 years ago 8
We purchased a property in March 2008 from a rather devious lady who didn’t let on about an impending second charge.
The conveyancing completed and about a year later when we had to evict her for non-payment. WE had purchased the property and rented it back to her.
A copy of the title deeds has subsequently revealed this second charge. Further investigations have revealed that the time lapse between settling the account by the sellers solictors, who confirmed they had enough funds to complete, was not accurate. Meanwhile the sellers mortgage company SPML apparently moved the goal posts and did not actually release their mortgage funds for another 3 months. This delay meant we were unable to register our ownership with HMRC. During this delay a finance company which had provided a loan for the tenants lease vehicle was able to attach their second charge against our title deed. We now have this debt against our property which is nothing to do with us.
Can some suggest a course of action for us to take in order to get the second charge removed please?