To cut a long story short, dh left in jan after saying he'd pay mortgage etc and didn't. I haven't been able to afford to pay anything off these since then and they've been passed on to collection agencies.
So I owe
Natwest £120,000 on mortgage
HSBC £1600 from an old joint account
Natwest overdraft £1600 from joint account
John Lewis c card £3000
M&S c card £3000
HSBC c card £1500.
Am now utterly f*cked financially, the letters are coming in thick and fast saying they will be calling at my house.
The only light at the end of the tunnel is that I sold our house for £140,000 and after paying solicitors fees of £1800 and £750 I should have a bit left over to pay creditors, however that's all the money I will ever have, as my inheritance was sunk into the house as deposit!! Dh says he wants £500 from the equity and I can have the rest.
I'm going to get the equity paid to my mum so there's nothing in my name.
So...I want up make the creditors an offer, where do I start??
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Making an offer to debt collection agencies, anyone done it?
54 replies
GeetTallBird · 23/09/2012 18:40
OP posts:
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