Thanks Guys...

Thanks Uncle BG- I did the form this morning....but not sent it yet. I don't have a cheque book (who does). So how do I send the fee? Postal Order or Cash? Also do they have an email address also I can use....as well as post to tell them?? Thanks :0)

Morning Thanks for your comments earlier. I feel much stronger today. I am ready to defend myself strongly in court! I want to be in court for the pending court case to defend myself under 6 different scenarios. I also want to let the judge know today if possible the genuine reasons I missed earlier court dates and that I have made a monthly payment settlement offer to CWG. I also have a nice family living in my house paying rent and they have a disabled son who needs 24hr care...so how relevant should their rights be for this outcome?

Thanks and I appreciate your positive advice. You said " What are your thoughts on applying to the court to set the repayment schedule?" If it helps me of course. How though?

Yes of course I am. But except sensible repayment options I have no other options. Set aside is pointless as they will resubmit it. I feel so depressed because my house is all I have. UK debt charities are clueless. It's a grey area. I sent CWD a repayment offer by email but I honestly don't they care! They would rather see me homeless at Christmas.

Guys you have all been awesome. Tomorrow i I will contact the national newspapers because Coyle White Devine have taken this too far! Although I admit I went to work in Dubai in 2007 for a better life, I did NOT go there to defraud the local banks. Also although I admit I got in to debt, the AMOUNT disputed is absurdly high. I did NOT know bouncing cheques / debt was a criminal offence. I wish I knew this before I left. I worked in real estate which OVER NIGHT collapsed. This was unprecedented. 25 sales guys including me were fired the next day! What choice did I have? Leave asap. Or die in a UAE jail? Fact. Therefore Coyle White Devine have no interest in the facts, only your fees. Morals? CWD clearly very little.

I can't call them because tomorrow my boss is back. I will compose a letter tonight.

I can if I am working and renting my 2 spare rooms out......so yes.

I can pay £500 per month as I have no children. So yes 500 per month is achievable without lapsing... The 2nd charges would come off after completed? Also maybe on a reduced amount instead of £30k? - Maybe £15k? I'm thinking out loud.......here for the letter?

Definitely......I want to get my life back on track.......x

I'm sorry.

Or maybe a letter template? Thank you. Yes with my new job I can afford £500 per month from my 1st pay cheque. Yes...I can....with my new job. So I can send the letter tonight.... :0) Any thought on how to compose it please?

All I want to do is write to CWD and offer monthly payments now I've a new job....is it too late? OK - Can you please help me with a letter in reference to this? All I want to do is focus on my new job so I can not be bankrupt and to keep my house...with sensible monthly payments....so maybe £500 per month

The courts generally will not grant an order for sale if repayments are being made towards the debt......I can do this monthly!

So I'm screwed then. CWD won't accept reduced payments? I don't have £32k.