Thanks PriorityOne Letters done and ready to go and i will contact the Bar Council asap, I do feel more positive now i can see how to fight this , it feels as if some company or other has been pushing me around all my adult life. I will get them sent first thing Tuesday morning special delivery, and thanks for your help, i will keep you posted

Ok first off, i have to say thanks to you all, at least i can see some light. Right im going to make an application to the Bar Council Pro Bono department, to do this i need to get all the information that i can, so will need to send a Subject Access Request (by rec. delivery) along with my letter. PriorityOne thanks and can you point me in the right direction for a S.A.R template which i will send to both Bradford and Bingley and Optima Legal on recorded delivery. I will then make an application to the Bar Council and try and find a solicitor to represent me. How does that sound to you guys ?

I hav'nt seen her for many years, as i moved away from that area, but as far as i know she's in the clear

Just over 22,000

Hi They dismissed my offers on many occasions, i went as far as offering 9,000. the only reason i got was that it was'nt enough. i do have a ccj for 77,000 the court case was around 3 years ago and the interest is still being added to the amount when i last heard it was 80,576 They have no charge on my house yet, but after my last visit to court, i got a letter from the new company acting for bradford and bingley which is optima legal saying that unless i agree to pay 50.00 a month and voluntary allow a charge to my house, they would take me back to court, and have it put on and i would pay the costs. I have today recieved a letter from Optima, saying that unless they hear from me in 7 days they will proceed with legal action. I have sent, a copy is below My first wife made a payment around 11 years after we handed the keys back, i as yet have payed nothing. The 6 monthly visits are as follows: I get a man at my front door with a summons to see the clerk to the justice, when i go i have to fill in a form detailing my financial details indepth,, earnings , savings, house, cars and so on, even down to the electrical equipment in the house. ask all the questions you like. Dear Sir/Madam 22/05/08 Without prejudice Thank you for your letter concerning the above account. Please supply me with a full breakdown of the balance claimed under the above account. In order for me to deal with this matters I should be grateful if you would supply me with answers to the following points: when did the arrears begin? when was the last payment made on the account? when was any possession order given? when was the house sold? what valuations were made on the property before the sale? what costs were involved in maintaining the property during the period between the repossession and the sale? how was the house marketed and sold and at what price? what costs were involved in selling the property? has a claim been made against the indemnity insurance and how much was recovered? how has interest been calculated from the start of the arrears? A breakdown of any solicitors', estate agents' fees or court costs that have been added on. Please could you also supply me with a copy of all correspondence relating to this matter from the beginning. I look forward to receiving your reply as soon as possible. Yours faithfully

Thanks Lex , i have done that

When I was around the age of 19 I married and bought a house, when the marriage broke down we handed the keys back to Bradford and Bingley. 11 years later they started chasing the outstanding debt, my ex-wife I think paid £7,000 but when I offered the same amount I was turned down. It is now around 12 years later and because we could not agree on a settlement figure they have added interest for the last 21 years. So an amount that started of at £22,000 has grown to £80,000 and is still growing (having read some other posts, can they still be charging me interest) , I have in the past before it went to court offered various amounts which were all turned down. The court case was in Leeds around trip of 300 miles and i could not get time off work, I asked for it to be moved closer but it never was, and stupidly did nothing. The case was decided against me. They from time to time ( about every 6 months) they ask for me to go to the court in to prove my financial position, which I do then I here no more. After the last court visit, they sent me a letter stating they wanted an order put on the house i now own, so that i could niether remortgage or sell without thier say so. Can you tell me what my options ( apart from the find some rope and a stout tree, which believe me is getting closer all the time) are as my wife and myself are worried sick, and this is driving a vast wedge between us. If I have to go bankrupt, will I lose the house I have now, putting my wife and 4 children on the street. I have 50,000 equity and very little savings.

When I was around the age of 19 I married and bought a house, when the marriage broke down we handed the keys back to Bradford and Bingley. 11 years later they started chasing the outstanding debt, my ex-wife I think paid £7,000 but when I offered the same amount I was turned down. It is now around 12 years later and because we could not agree on a settlement figure they have added interest for the last 21 years. So an amount that started of at £22,000 has grown to £80,000 and is still growing (having read some other posts, can they still be charging me interest) , I have in the past before it went to court offered various amounts which were all turned down. The court case was in Leeds around trip of 300 miles and i could not get time off work, I asked for it to be moved closer but it never was, and stupidly did nothing. The case was decided against me. They from time to time ( about every 6 months) they ask for me to go to the court in to prove my financial position, which I do then I here no more. After the last court visit, they sent me a letter stating they wanted an order put on the house i now own, so that i could niether remortgage or sell without thier say so. Can you tell me what my options ( apart from the find some rope and a stout tree, which believe me is getting closer all the time) are as my wife and myself are worried sick, and this is driving a vast wedge between us. If I have to go bankrupt, will I lose the house I have now, putting my wife and 4 children on the street. I have 50,000 equity and very little savings.