In the debt summary income & expenditure I sent them, they have asked me to explain what I use my disability living allowance on? Are they allowed to question this? Is this not means tested benefit.

They can ask, but really it is none of their business. The DLA is part of your income to help cover your costs of living with a disability. What you spend it on, is not really relevant.

I get the feeling that they have no intention of forgiving this debt in any way. They are just trying to obtain information from you, to see how much they think they can get in terms of regular payments.

If it were me, beyond advising them of your circumstances, i would not be sending them further information they have requested.

Start putting together a complaint which you can take to the FOS.

ideally you should show where it goes, notionally.

but they cant 'use' that info nor your DLA.

but they are entitlted to 'see' where it 'might' go..get..me??!!

My mortgage company have refused my request for 'debt forgiveness' (their term, not mine) after I requested for the debt to be written off under medical grounds.

I had 16 creditors,

with advice here,

I have managed to have 14 creditors written off,

so thank you all.

I need advice on the last two remaining creditors.

I appreciate that they are not obligated to write off the request:

Mortgage shortfall-£64k

They have informed me that they are not willing to honour debt forgiveness and want me to make token payments (I refused),

they said they will be back in contact in 6 months.

They are aware I have long-term illnesses, no savings or assets.

I have previously tried to dispute the balance with them after they repossessed my home, that fell on deaf ears.

Where do I go from here?.....Is my only option now the financial ombudsman?

Credit card debt (BD formally EGG)-£5.5K

Pretty much the same as the mortgage company.

Refused to write off the debt, will be in touch 'from time to time',

I explained that doesn't make it any easier in regards to making my mental health issues worst,

as the debt still exists despite them not taking action,

this has also fell on deaf ears.

Where do I go from here?

Mortgage shortfall debt is not going to be paid and they are very unlikely to try to enforce this, as they would never recover any costs they incurred. They just won't write it off yet, but at some point that is what seens likely.

Same response in regard to credit card debt.

have you not got a thread for the Barclaycard one?

have you not got a thread for the Barclaycard one?

Yes, I forgot about that thread, I will repost in there. Thanks