If you are a home owner and you are in debt to ANY unsecured creditor (not just loan companies) then you run the risk of being issued with a Charging Order which could be followed up with an Order for Sale.

I know for a fact that numerous utility companies will automatically pay for a search of Land Registry records to identify home owners and the outcome of this will then be used to decide which collection strategy is used ....... Depending on the size of the debt (£350 used by one utility company), homeowners will almost certainly be taken down the court claim route and following a judgment order being obtained will run the risk of a charging order being issued which could be hotly pursued by an Order for Sale. (This new piece of legislation suggests that the debt has to be £1000 for an order for sale to be issued.)

If you are in debt, don't bury your head in the sand ........ it won't go away! Do something to help yourself before things get worse and costs and fees are added. Many companies will consider a payment arrangement these days