Hi Lickthewallfatboy
I have my fingers crossed for you that would be a nice little sum to get written off.
I sent my letter off to HFC Bank on Saturday requesting my credit agreement so their 12 days are counting down!! I also received a letter from the Northern Bank saying they will gather my account info as per my subject access request within the 40 day time period - no stalling tactics as yet but I won't hold my breath.
My hubby and I have £21,000 in debt at the moment and we are severely stressed funnily enough! He is on benefits as he has MS and is finding it hard to get any work. I work for an NHS Trust and don't get paid enough to keep us both. We have been burying our heads in the sand for too long but this group has been great, your info and advice as well as all the other contributors and knowing that we are not the only ones has been of great comfort to me.
My next plan of action to raise cash, is to try and get a surrender value for two old pensions we have that are currently frozen, do a car boot and contact all my debtors and ask for my interest to be frozen. I also plan to contact Northern Rock about our mortgage and see if they can help by reducing our monthly payments. We are also going to try and see if Disability Action can give us any support as well as the MS Society. Any other advice that you or anybody else have would be appreciated.