UK Property Law
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Have you obtained judgement from the Court on the debt?
A charging order is a form of enforcement available to creditors who have obtained judgement in respect of the debt.
If you wish to make efforts to recover the monies then you might ask a local civil litigation to write a letter before action asking for repayment of the monies under the terms you had previously agreed otherwise you shall issue a claim in respect of th debt. It would give them around 14 days to respond and would cost around £50+Vat. it may prompt their seeking to resolve the dispute and if it does this is a small cost to pay to avoid litigating.
If they do not respond then you may be forced to issue proceedings, you can do this yourself through http://www.moneyclaim.gov.uk/ but if the claim is complicated or for a considerable sum of money you may choose to instruct a solicitor to act on your behalf.
Once you have obtained judegment on the debt you can seek to enforce it by way of a charging order over the debtor's property if you wish. Info here:-
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