Hi All The dreaded form has arrived regarding depleted funds just concerned about the wording under the Declaration:- "I understand that ?B.C may decide to place a legal charge on the capital value of any property I own and do not live in. I give consent to such a charge being made as part of a deferred payment agreement" My question is "how legally binding is this form"? My Brother will have to sign the form as he's the financial representative. Property is jointly owned ,always lived there, has no plans on selling and under 60. Is it worth sending a covering letter fighting your case? As always any advice would be very much appreciated.