Blimey, I know what I will be doing this weekend. Thanks for all the info. I will need time to digest all of this. Goldy

Thanks for all the help. The current situation is that I have received the initial Claim Form. I have been advised by a debt agency to complete the acknoledgement of service indicating that I am defending part of the claim. This is because the claim form refers to the agreement being "on or about a date in february 2001". This I hope means that they do not have the Credit Agreement to hand otherwise they would have stated the correct date. I have sent them my poun and asked for a copy of the agreement. Just need to see what happens now. I will keep you posted. GoldyGue

So far I have received a claim form from the court. The debt is in only one name but the property is jointly owned.

Thanks Honeybee. I am really impressed with the speed of your reply.

My spouse recently lost his job. I have debts totalling £28,000. The largest creditor MBNA had agreed to monthly payments of £47.73 per month which was their share of my available income. They then stopped taking the direct debits and have now issued an application for judgement. I believe that they will be seeking a charging order. The home is mortgaged with only approximately £20,000 of equity. The property is jointly owned. We have two children aged 6 and 2. I am very worried that they will succeed with both of their aims. Would they then be able to sell the property even though this would not cover the debt after the mortgage is repaid. Is there any point in resisting it or should we simply agree to the CCJ? If we did defend it by trying to ask for repayments to be assesssed by the court will this incur a disproportionate amount of costs. As it is £16,500 it will not be a small claim and the costs can be high. As I have never been in this position before and this is my first post I would be grateful for any advice.