can we place a charge on a house by ourselves or do we have to use a solicitor?

[twiddledum]

Can the process of placing a charge on a property be done by an individual (the property owner himself, or with their agreement) or does it have to go through a solicitor. What is the proceedure for an individual if the undertake this task?

[Buenchico]

Placing a charge on a debtor's property is a usually method of enforcement after the debtor has failed to comply with a court order to pay the debt. So, if you've not already gone down that route you should probably start here:
http://www.hmcourts-s...bout/claims/index.htm

You might also want to consider other methods of enforcing any court order you might have obtained (which might get you your money more quickly than a charging order):
http://www.hmcourts-s...enforcement/index.htm

If you still want to apply for a charging order, start here and click through the 'next' links at the foot of each page:
http://www.hmcourts-s...nt/charging/index.htm
(You'll come across a link to the relevant application form).

Once you've obtained the charge, you'll still need to get it registered with the Land Registry. The relevant form should be among this lot. (It's possibly 'ACD' but I'd recommend seeking advice from the Land Registry to ensure that you complete the correct paperwork):
http://www1.landregis...lications/?pubtype=49

Chris