Have received a letter from Link this morning stating that they've investigated my assets and because I own a house, they will use it to "enforce a county court judgement by way of a final charging order". Can someone explain to me in layman's terms what this means exactly? The debt is for £8.5k and if I received a CCJ form, I would not dispute the amount, I would simply offer a monthly amount. Should I write to link and do this now? Is there a standard letter for this? I'm not concerned about having a judgement against my name but I am worried about suddenly receiving something through the post telling me I have to sell my family home. I have 2 small children and am in full time employment. I can just about manage to offer them £100 pcm, is this an acceptable amount? Sorry if this sounds jumbled but just need some guidance asap, am worried about this getting out of hand. Just another thing I've thought of, I have a 12k debt with Lloyds and they are accepting £50 pcm so wouldn't this run in my favour with the courts? Thanks in advance