Charging Orders

What is a Charging Order

A charging order is a method of enforcing a judgment debt. Where the Court orders a person (the debtor) to pay money to another person (the creditor) in satisfaction of an outstanding debt, the creditor can make an application to the Court for a charge over the debtor’s property in order to secure the payment of the money owed. Such an order by the Court is referred to as a charging order.

The Specifications

A charging order must specify the following:

  • The subject property of the charge

  • Interest held by the debtor

  • Any conditions of the charge

  • Date when it becomes enforceable

  • Any other matters as specified by the Court

Property that can be the subject of a Charging Order

The property that can be the subject of a charging order includes the debtor’s beneficially interest under a trust or his or her interest in any of the following assets:

  • Land

  • Securities:

  • Government stock

  • Shares of a company (except Building Societies) which was formed in England and Wales

  • Shares of a company that was formed outside of England and Wales or of any State outside of the United Kingdom which was registered in  England and Wales


A charging order needs to be registered against the title of the property and in the case of land an application must be made to the Land Registry in order for the charge to be secured against any disposition of the property as required by the Land Charges Act 1972 and the Land Registration Act 2002.


A person whose property is the subject of a charging order can make an application to the Court to vary or discharge the order.

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For more information on:

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  • Powers of the Court
  • A necessary safeguard
  • Charging Orders and Council Tax
  • Charging Orders and Consumer Credit Agreements