second charge on my house

ambition | 19:02 Sat 14th Jul 2007 | Civil

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Is it possible to put a second charge on a property without the homeowners knowledge?
I am refinancing my house & have discovered a second charge that the vendor put on when I first baught the house 12 years ago.How can this happen, is it legal?
I had no prior knowledge.

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Unruly Neighbours

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