Thank you dx100uk although when clicking the link i see this message only: Message from The Consumer Action Group Sorry - no matches. Please try some different terms.

Its secured on her one bed house, which is home to her and her 2 little children. She pays £10 p/m. Looking through this huge pile of paperwork it looks like its been taken over by a new company. There is nothing on her credit report about this debt!

I have obtained the credit report the Three bill is actually Lowell as well. Both are on as seperate accounts and she has 2 seperate defaults issued Sep/17. Interestingly, unless i'm reading it wrong there does not seem to be anything on there for the Santander Abbey loan or the Welcome finance loan.

Hello there DX100uk, Thank you for your reply! I will get a credit report from Experian tomorrow and have marked responses below, thank you again for your help! SURREY_74 (I THINK)

My daughter told of this site and how it had helped her over the years reclaim unfair charges and it has been extremely helpful to her over the years, I know she donated several times and so I decided to register myself. My daughter has suffered severe trauma over the last 12 months and I am very pleased to say that she is in a much better place now. I am trying to sort her finances out, she is unable to work presently and unsure at this time when she will be capable of working. I was considering writing to the companies she owed money to explain what's happened to her and ask if they would consider wiping the debt in her circumstances, especially at the moment as we have no idea when she is going to be able to return to work, its not likely to be any time soon as she is in therapy 3 days a week for at least the next 6 months. The debts are roughly as follows: Vanquis £650 (paying £1 a month) Three Mobile £121 Lowell Financial £1200 Welcome Finance (Secured) £18K (paying £10 a month) Santander Loan (Unsecured) £9K (no payments made since 2010) HSBC £1500 Robinson Way (Barclaycard) £950 Creditlink account recovery solutions £94.76 My husband and I are old age pensioners and we cannot afford to pay these debts but I know all these letters that come through only add to her stress and depression as they do! We would love to be able to pay this off but we are financially just not able to. She has a mortgage which she is in arrears with although I am dealing with and they are understanding, there is no equity in the house but the mortagge payment is so low at £429 a month (interest only) we want her to keep this as renting would be of more cost to her. I am not sure if it is possible for anyone to advise us if it is worth writing to these debters with her situation and seeing if they might consider wiping these debts. Many thanks A worried GrannyMargaret.