the answer to your first 3 questions is a definite YES.(posted 7033 days ago)Your 4th Question: Solicitors rarely waste time chasing if there is no possibility of any money at the end of the line. They probaly realise that the charge your relative has over the property is bogus, and was conspired to put your assetts out of reach of your creditors, all depends when this charge was initiated.
You have no worries when there charge is placed on the property because as you say, you can pay in 6 mths, it is highly unlikely that a court would agree to forced sale once they are aware of this