a non secured loan

yes I think so

I thought they didn't but the guy is so aggressive he makes you doubt yourself. Thank you. I just really want them to either say yes or no to the full and final settlement offer instead of trying to intimidate him as this debt has been going on for 12 years now.

thank you I will and yes there is £000's in interest I was so shocked He had paid nearly £4000 and only reduced the capital by just over £1000. The advisor is so aggressive and is demanding how much his other debtors accepted Today I was rude and stated I am sure he is not adhering to data protection laws as he should be concentrating on his company's debt and not demanding to know the other's full and final settlement offers. My brother is so close to breaking point the original debt was £15k and he has already paid aboutkbut they want the full £7400.

I have read your valuable information with interest and would gratefully accept some advice if possible please? My brother and his wife are getting divorced after 25 years of marriage. During their marriage they fell into severe financial difficulties with their debts and then started offering lower instalments which has continued Nram have been the most difficult to deal with and never stopped charging interest on the loan which I regularly asked them to do but they stated they weren't obligated to do. In June 2018 we sold his house which only left £15k which I have separated and offered all his debtors a settlement figure which they all accepted except of course NRam. They have become increasingly aggressive insisting on knowing all the information from the debtors how much he owed and how much their final settlement figures were. They are also insisting on knowing why his marriage fell apart as now he has to rents to pay on two houses instead of one mortgage payment. brother is heading for a nervous breakdown and they are making it worse with their aggressive attitude. Can they insist on the full settlement after all this time even though if they had stopped the interest it would more than likely already have been fully settled? I have offered them just over two thirds of the debt as full and final settlement but still have no conclusion. Thanks