a. I need to know how the debt can be collected especially when an initial judgement was not obtained but the charge was placed by consent and with professional assistance of solicitors acting for either side.
Sure. You simply need to apply for an order for sale from Court.
b. I also need to know what the legal process is in detail and how long it takes with approximate costs etc
You need to complete form N208:
You also need to include:
1.2 The application notice must contain the following information –
(1) the name and address of the judgment debtor;
(2) details of the judgment or order sought to be enforced;
(3) the amount of money remaining due under the judgment or order;
(4) if the judgment debt is payable by instalments—
(a) whether the order was made on or after 1 October 2012; and
(b) the amount of any instalments which have fallen due and remain unpaid;
(5) if the judgment creditor knows of the existence of any other creditors of the judgment debtor, their names and (if known) their addresses;
(6) identification of the asset or assets which it is intended to charge including, where applicable, the title number under which any land upon which it is sought to impose a charge is registered;
(7) details of the judgment debtor's interest in the asset; and
(8) the names and addresses of the persons on whom an interim charging order must be served under rule 73.7.
c. Can the Debtor dispute the debt now after 12 years after not having done so until now.
d. I also am not aware of the mortgage amount on the property and this would need to be obtained from TSB. The flat was purchased for approx. £130,000 and is now roughly £230,000.
e. Any other relevant information I need to know in order to succeed in this case.
Can you see the above? Once you submit the application the Court will list the matter for hearing and decide whether to grant an Order for sale.
Can I clarify anything for you about this today please?