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Hi to you all, special thanks to everyone who takes the time out to listen/help on this forum.
I have been 'served' a SD by signed for post from this company for a personal debt after I failed to keep up repayments on a credit card Halfax/Royal Bank of Scotland) for £6000 and a bit.
Been to see a solicitor who specialises in debt management who sent a financial statement to Connaught offering a payment of £1 monthly as he did to all my other creditors, each of which has accepted this offer.
However Connaught refused this offer and are insisting on monthly payments of around £250.00 or else.
I am willing to have a voluntary charge put on my house but they are insisting on a clause which states that if the property is still unsold after two years they can enforce sale! which I strongly object to. Not least because my property has been on the market for a long time now and despite massive reductions in the price still remains unsold.
Having this hanging over my head is beginning to make me ill and as I am registared disabled and live alone with full time care of my grandson I am finding I am having great difficulty in keeping calm and rational about the situation.
I have requested and received a copy of the original credit agreement along with a copy of the statements, although the statements are incomplete as the first three years are missing.
My total debts are over £20,000 however every one of them is on a repayment plan which I have maintained without fail.
Does anybody out there have any advice on what seems like a totally hopeless situation as it would seem that there is a good possiblity that Connaught will carry out their threat.
I have been 'served' a SD by signed for post from this company for a personal debt after I failed to keep up repayments on a credit card Halfax/Royal Bank of Scotland) for £6000 and a bit.
Been to see a solicitor who specialises in debt management who sent a financial statement to Connaught offering a payment of £1 monthly as he did to all my other creditors, each of which has accepted this offer.
However Connaught refused this offer and are insisting on monthly payments of around £250.00 or else.
I am willing to have a voluntary charge put on my house but they are insisting on a clause which states that if the property is still unsold after two years they can enforce sale! which I strongly object to. Not least because my property has been on the market for a long time now and despite massive reductions in the price still remains unsold.
Having this hanging over my head is beginning to make me ill and as I am registared disabled and live alone with full time care of my grandson I am finding I am having great difficulty in keeping calm and rational about the situation.
I have requested and received a copy of the original credit agreement along with a copy of the statements, although the statements are incomplete as the first three years are missing.
My total debts are over £20,000 however every one of them is on a repayment plan which I have maintained without fail.
Does anybody out there have any advice on what seems like a totally hopeless situation as it would seem that there is a good possiblity that Connaught will carry out their threat.
