The tenancy thing sounds a total nonsense unless you have major arrears that you wish to introduce so take what you have been told with a pinch of salt.
You should also look at each of you individually as for example one may have more debt and less income than the other so the advice would differ for each party. Perhaps one of you is insolvent and the other not but without looking at the figures it is only guesswork. Get another opinion and see what you would be expected to pay rather than relying on the advice of a bank funded 'charity'.
I, too, would urge you to chat to several firms to compare advice and get a feel for who you want to be closely associated with your financial life for 5 or 6 years.
I am in housing association and have just made last payment. It has not caused me any problems with them and in fact I did not tell them as I was already living in the property. I would suggest you speak with another company to see what they say. I went with Payplan and I know not everyone likes them but for me, I have never had a problem with them.
Good luck with your decision and choose the right path for you, your family and your future
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