It is irrelevant whether or not the Bank has registered a legal charge for the loan, when you were made bankrupt you should have declared all your creditors to the official receiver, and as you know any assets you have will be shared accordingly to your creditors. Take my word for it, if you have any equity in the property the official receiver can and will force a sale.(posted 7053 days ago)If the property is in negative equity you can sell your beneficial interest for the measley sum of one pound plus solicitors costs.