My name is XXXXX XXXXX am happy to assist you with your enquiry.
Only normally credit card companies and possibly Councils would take the step of registering a "charging order" on someone's property for outstanding monies due to them. Basically, before any charging order can be placed on a property, the creditor first of all has to get a County Court judgement against your son for monies that are owed to them.
Thereafter, if they are aware that he owns the property, they can make a further application to the Court to place a charging order over it. The charging order only acts as a "Charge" and does not give them the right to automatically sell the property to claw back what they are owed. They would have to go to Court further to get an order for Sale before this would be possible
The above would of course take several months to conclude- ie from the date initial Court proceedings are taken until a final Order is made that the house be sold.
I must say it would be unusual for an order of Sale to be pursued by a creditor as the COurts are not keen to grant such an Order for "normal debts".
In order to protect your position, however, you should consult a local Solicitor, with a view to placing your own Charge on the property on the basis that you provided the purchase monies. A relatively simple Charge can be prepared by your Solicitor, and would mean that if the worst came to the first, at least you would be entitled to whatever was due back to you, before any creditors got their hands on any monies, in the unlikely event of a forced Sale by them.
I hope this assists and answers your question.