I think the debt is owned by Link but they seemed to be asking for our agreement to put a charging order on?! When they took over the balance was approx £4200 so thought it might of been because it was less than £5000? However it is now £6300!! I know it could be worse only it could be the difference between staying on the DMP or going bankrupt as we will never be able to catch up with the interest let alone pay the balance! Thanks for all replies.

Hi, Hoping someone can help?! Can a DCA put a charge on property? Was looking through some old papers and I found a request to put a charge on the house back in 2008. This time was hazy as we had a new baby in the house so it was cast aside. It said they would freeze interest on the debt if we agreed to it?! Time has passed and the accrued interest on this account now surpasses the oc's payment which we paid nearly 3 years on a 60 month agreement before default. The amount is approx double since the last payment made as part of the agreement. I don't know if there is much I can do the DCA is LFO. I would be grateful of any input regarding these guys. What a lovely bunch they are!!!

Thanks for your replies. My husband deals with cash often at work, don't think he would be insured if he went BR. I can't see any clause in his employment contract regards to BR but I 'm almost certain it would be a problem.What about my name being on the mortgage what happens with that? Thanks

Hi, I am new to the forum but have read many posts. I'm hoping someone has some pearls of wisdom! Not sure where to start, currently on a dmp 3yrs with my hubby still have 50k debt including CO on the house. Is it possible for me to go BR for my sole debts and my hubby take on the joint ones? The CO means there is no equity in the house at the moment but this is joint as is the mortgage. would the house be sold anyway? I work part time we have 2 children so my income is nominal. This debt is putting us under so much pressure and i am not sure how much longer we can cope, everything seems to be going wrong! Could my hubby stay on dmp? He can't go BR due to work.