Thanks fx, was reading some of your other posts and sent off £2 for a cra check this afternoon When you say to forget the two with discounted offers, not sure what implications of that are? By sending F&F offer letter from templates does that extend the sb period or not? Letter not signed.

Thanks for the advice Brigadier and National Debtline .... BUT ... above link re DRO states "A DRO may be able to help you if you do not own your home" We own our home (with a mortgage) Any other avenues ?

I sent 2 F&F offers (from CAG template) to Lowell on behalf of my wife (in her name but just initialled not signed) does that retart the 6 year clock on sb?

After hours of reading posts, I hope you don't mind if I start my own as I'm pulling my hair out ... Long story short, I lost my job due to Chronic illness and have been out of work for a few years now. Trying not to go bankrupt as I don't want to lose the family home. Wife took minimum wage job to help keep mortage up and live. A bit behind with the mortgage but have spoken to Mortgage company and they are happy enough. All our money goes to paying mortgage, food, electric, etc. No social life whatsoever now. Glad to see spring coming as been burning broken pallets to keep warm over winter. CONSTANT letters phone calls from DCAs re credit card debts. I am in no possition to pay at minute until health improves and can get back to work. (could be a few years yet) Query is about my wife - she has 4 defaulted credit cards and a family member had offererd to try and help her with these as she is at her wits end with phone calls and nasty letters. 1. Goldfish (then Barclaycard, now Lowell Portfolio 1) 3400 2. Barclaycard (now Lowell Portfolio 1) 1500 3. Cap1 (now Capquest) 5600 4. MBNA (now HL Legal or Varde Investments) 1000 1 & 2: Lowell had offered 50% discount on both unsolicited. Very limited amount available from family member so she wrote to Lowell in January offering 25% on each. This was first contact she had made with them (we no longer answer our home phone as daily harrassment). Offer refused but a counter offer of 15% reduction (ie 35% LESS) than previous came with refusal. Had used template letter from your site here. Where do we go from here? Wife is in mimimum wage job and we are just surviving and no more, with nearly all her wages going to pay mortage. I get sickness benefit which buys some food and we grow some of our own. We have made same offer to 3 & 4 as that is all family member has to give, waiting a reply. Any ideas? We don't have anymore to give. Doctor says financial stress is harming my recovery and making me more ill. Any insight would be GREATLY appreciated, Thanks

Hope this is in the right place ... I have been behind with my mortgage for about 18 months since loosing my job due to ill health. Lender is Bank of Scotland. I put a repayment arrangement in place for £60 extra per month but they still charged me £35 every month for being in arrears (adminstration fee) I asked on the phone for this to be waived without success. Have just agreed to add arrears on to my mortgage to get me back on the level again. But there were loads of £35 fees added - I just feel they kick you when you're down. Can these be reclaimed? Thanks

Sorry guys if this is in the wrong place, but I've been reading posts for 3 hours and there is an awful lot in here! Great though! I have a few credit cards which have fallen into arrears and default due to ill health and me losing my job. Interest just keeps piling on and I can't afford repayments - I know the old story. Phone calls every hour - wife is living on her nerves about all the harrassment ... I wouldn't have thought of taken this approach before but I'm sick of being treated like dirt by the banks. OK - I'm getting conflicting signals - is it still possible to claim a debt is unenforcable if they cannot produce cca? (after high court ruling Dec2009) One card is Cap 1 (over 11 years ago), one is Goldfish circa 2004, one is Egg circa 2003 and one is a mastercard (orginally Midland, but changed brands 2-3 times over 20 years). I note the templates for CCA requests on the site. Is this still and avenue that's open for new claims? Thanks, in advance:)