Thankyou for your reply - looking at the StepChange details it looks as though they are 50/50 with DCA's and the original lender. StepChange advised me to contact the lenders direct and ask them to write off the debt given my OH diagnosis which is devastating in itself at 55 but I don't have LPA in place yet so unsure if they will deal with me. Thanks for the reply - debts are 50/50 with original lender and DCA as I can see. The only money we have coming in is my part time salary and my OH PIP and help from family. Mortgage is in arrears but I have managed to clear most of it and we should be arrears free by December - this accumulated by arrangement between my OH and the lender - advising him to skip a payment for almost a year! I am aware that what my OH did when taking out further advances on our joint property was out of order at best - but I believe the morgage lender has a duty to make necessary checks to ensure everything is above board and they failed to do this on more than one occasion.

the debts are all in his name - loans and credit card debt mostly and an overdraft on a closed bank account. I would have to check the exact details regarding when they were taken out but all prior to 2011. regarding payments £5 is made monthly to each creditor by Stepchange to date. We have a joint property which is heavily mortgaged (several remortgages without my knowledge but that is another story) with little equity which I don't want to use to facilitate his debt because his dementia will mean a need for familiarity moving forward. I appreciate you response and apologise for my vagueness.

My husband at 55 has just been diagnosed with young onset dementia, he has £52k in unsecured debt in a DMP and we have mortgage arrears I have been managing for several years as he was being treated for anxiety and depression, I assume caused by the mis-management of our family finances ( a seperate issue), something that only came to light after he was made redundant in 2012. My question is how to move forward - I am unable to pay these debts (in his name) as I only work part time and have no idea how much longer I will be able to do this with his diagnosis and need for care and he has not been able to claim benefits during most of this period as the dwp declared him fit to work twice - he received esa for the assessment phase and despite support from GP he was declared fit to work. when he applied a second time he was advised he did not have enough contributions - vicious circle. I have much to deal with moving forward but would appreciate advice on the debt above- unsecured. I have spoken to the debt management company who advised I should contact the debtors myself. I am in the process of obtaining an LPA financial.