also can there force me to sell my home the debt is in my partners name i have nothing to do with it but the mortgage is joint his name is on the mortgage.

hi All they sent us was a cca application and stated that we had to go to court. When we rang scm up they told us just to distroy the letters as he had a payment plan set up and was paying what they had agreed. But letter came saying that he had missed payments for aug and sep but he hasnt and the women from scm said payments go missing sometimes then through the phone call she said the property has a charge on it from the court date which we had no idea about as they said just to leave it cause he was paying what was agreed but she said it wasnt enough and thats why the charge went on we had no futher letters to say this just finding out today through the phonecall.

Hi all Right where to begin my partner missed a few payments on the finance for the car as he lost his job just before xmas a couple of years back he informed black hourse at the time and agreed at payment plan for what he could afford moving on a few months started receving letters from SCM solicitors saying warning enforcement proceedings so got in contact with them and he received a paying in book from them so he could pay his payments which he has been doing. Early this year we got a cca for may to go to court rang them up and asked why this has been issued when he is paying what he can they said just to leave it and it was only stantard letter that gets sent so we left it as advised by them. Well my partner is still paying his agreed payment and we receive another letter saying warning again but the amount had went up even though he was paying and we have proof on his payment book so rang them up and they said they have not received payment for aug and sep they have went missing we have book which proves they have been payed!! then she informs me that there is a charge agaisnt the house i had no idea why is this when he has a payment plan and is paying it iam worried sick and try to talk to them but they have none of it and worse thing is it is a joint mortgage and this is not my dedt please set my mind at rest please cant see this going away as keeps going up and payments goin missing and is this charge as bad as what i think it is. sorry its so long winded but just getting me down and have a little boy as well so worried scm will be on ours back for ages.