Hello All,

I'm new to these forums so you will have to bear with me.

I have been off work since June last year with severe stress and depression and am still off work.

In this time I have managed to keep my ford credit account up to date paying £194.50 per month, until last month. I started getting SSP which is practically nothing and now I am in arrears with Ford. I am activley looking for alternative employment elsewhere but getting nowhere.

I have made an appointment with the CAB about all my debts but my appointment is not until 7th April, so was looking for a bit of advice prior to this meeting.

I have sent ford a letter stating my situation and I have offered to pay them half of my monthly payments (£97.25) for the next 6 months with a review after this time and if my situation were to improve during this time then I would be able to increase my payments and to pay the monthly payments plus any arrears.

I have yet to receive a response to this letter. I was wondering how long it could take to get a response, or if anyone has had a similar experience what happened?

I do not want to lose my car as I need it get to work when I secure a new job.

Thanks