Making an offer to debt collection agencies, anyone done it?

[GeetTallBird]

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??

[AdoraBell]

How are things going now OP? I hope you're at least feeling more relaxed with the new account set up.

[GeetTallBird]

Hey Adora...it was going so well! Until child benefits etc got paid into old natwest account instead of new lloyds one, but of course in the meantime some direct debits didn't get paid (or the switch wasn't made in time, I don't know).
Swinton Insurance, for example, have charged me £24 late payment fee. When my monthly direct debit is only £18!!
Ah, man, if that's the only thing to go wrong I can live with it.

Haven't heard from creditors, nor has any more calls, so I think a letter is due to be sent by me now!

[AdoraBell]

Oh, that's a pain, I hope you don't get any more mishaps like that. You seem much more positive now, that's really good. Take care.

[GeetTallBird]

I rang Hsbc & offered them the 30% of the total owed but they said no. They have knocked off 30% instead. Next step?