Hi,
I took out a loan secured on my home for 10k in July 2008 which after a messy divorce I defaulted on.
I had the usually harassment from Welcome and in the end changed my number.
I have being paying them £50 a month every since as a token gesture and I haven't spoken or communicated with them since.
I currently live with my partner and the house which the debt is secured against is lived in by someone else (tenant) so I have no post at present.
I have checked the Land Registry and there is a charge from them on there so I know they are not going to go away!
They don't appear on my credit report at all
I have no idea on the balance outstanding or of any offers made by them.
I would like to approach them with a settlement offer but I don't want to open lines of communication if it's just going to result in further harassment.
Any advice on how to proceed?
Thanks, Julie