i take it you are paying the debt back to a moorcroft collector, they normally do audit letters to make sure the agent you are paying is correctly paying what you are paying him or her.

Hello Chris Ge can change there Svr at anytime, if you stay on interest only, then your mortgage will nearly half, depending on your circumstances i would use the money you are saving each month to build your finances back up, then switch to repayment.

top man fan is an understatement better be careful here or else my cover might be blown!

Yes iam, i used to get xmas presents and bottles of wine at xmas for being reasonable and friendly with debtors, still good friends now with people i have dealt with over the years, my main role is mortgage counselling, but still do a tiny bit of recovery work, although if the dcas so how i do it ,i would be sacked on the spot, for doing it very politely but not by the book it is effective how i work, and i get a lot of replies off debtors wanting to deal with me iam saying no more:oops:

i read that comment off that [edit], quite clearly he only bats for one side, i deal with people who can and want to pay their accounts, and advise people who cant pay their creditors and mortgages, and have saved many people from eviction.

I do both collect debt and advise on it work that one out;)

Iam a mortgage arrears agent and N/Rock have a specialist team called CAT which stands for Customer assistance team set up to deal with people in hardship cases there number is 0845 603 4462 and n /rock are not charging borrowers for debt counselling which makes my job easier:D

GREAT BRITAIN SPEND THE NUMBER THEN BLAME SOMEBODY ELSE