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  1. Just as I thought we were getting on top of things notice of an Interim Charging Order arrived followed shortly by a notice from the Land Registry. It appears Mrs Spoon has been struggling (on her own) with nearly £18,000 of store and credit card debt and is now quite unwell. It is only because we have a joint mortgage that I became aware of the tip of the iceberg - now the rest has become clear. There are two CCJs (by default) against her and Restons have secured the interim charging order. I understand that this can only be a restriction as long as I don't agree. We don't intend to sell the house so what does that mean to us and to to Restons (John Lewis)? I'm wading through the paperwork, and need to contact all the account holders to make arrangements to pay. My questions are: 1) Is there any benefit to trying stop the charging order/restriction at the court hearing in January? Is there any benefit to making an offer to start payments? I'm not anticipating any seasonal charity from Restons, just a reason for them to stop. 2) Now I've collated the debt I am thinking that we assess what we can afford to pay back monthly, and propose a proportionate repayment by ratio according to the amount owed. Is that the way forward? 3) Obviously I'm going to help financially, but by getting involved am I going to become vicariously liable for these debts? 4) How should the approach be made to the creditors - is there a form of words? Thank you so much for your consideration. Mr Spoon
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