Hi Guys I have taken in what you all say, and as expected, you always learn from others, and although I am proud about what I have sorted for my daughter, there is always more to do, and the threat that one of you spoke about, (MBNA) jarred a bone so to speak. Because of this, I rang CCCS as I still have a reference of course, and they confirmed what I probably already knew, and that is, our £1 a month payment with lenders is only a temorary situation, she still has the debt. What I also found through my research, there are charities out there, who will help people with some of the smaller debts, I have had some help from them. The lady at CCCS confirmed, that their role is finished really, as the main thing was to suggest what to do, template letters to follow, but thats as far as they go.She also explained, that if a lender gets fed up with the continual £1, they may ask, and pursue what the equity is in her house, and through the courts, try to put a charge on the house. I welcome more response to this thread, but I want your advice on house equity etc, do I need to start a new thread do you think, as I now want to explore this topic???

Sleeping dog/Uncle Bulgaria I hear what you both say, but now it's started, I would like to pursue it so I am well covered for any eventuality, plus, my wife describes me as a Rottweileler. With this in mind, where/what do you both suggest I do next, for one one my firm beliefs from business days, when you are not under pressure (and we are not, having only set up payments 2 montha ago0 that is the time to find things out, and to do any planning you have to do. Ant to reiterate, not that its needed on this site from what I see, my daughter had none of this money she owes, she was conned. More later, dashing out, and can either of you tell me how I do a PM on this forum please

Sleeping dog What do you actually mean about "defaulting" my daughter, and if/when it happened, what do you suggest. I was told that if she missed a £1 payment, yes they can apply for a CCJ, then the court write asking why she can't/hasn't paid. So then you reply to the court IN 14 DAYS (important I hear) and you give them the same story and spreadsheet, and there is little they can do. Dont worry about "scaring me", I appreciate any warning/advice I can gain, and it will be added to the information I have found out already. I want to learn as much as I can on this site, but as I said in first post, there is that much information, and so many adverts and seperate forums, I find it a little confusing, so I dont mind being led by the hand. As I was aware that banks can be late with d/d or s/o, I was aware of that possibility happening, but I hear that money transfers are instant now, any knowledge on that?

1) As I mentioned before, I am already dealing with outside agencies, the lenders seem to pass it on quite quickly I think, it's not worth them spending time, they want to go on and lend more, I received a text today with MY NAME, offering me a loan. 2) As her loan with AA is jointly/severally, the AA can chase either or both, and as she is paying (she started paying £110 when I took over, as she was working) even £1 per month, they don't chase the other person. 3) It is the relationship after the one mentioned above who is the father of her child, and I told her, I dont think its worth chasing him as he already had 1 child, and since leaving my daughter, has gone on to have another with another woman. So I dont see how he could afford to support 3 ( I am only being practical about it) and she would probably lose benefits if he did pay. I hope this is taken in the right context, as I am a modest person, but I have learnt so much on this subject, if anyone needs help, I am available.

42man No, not considered bankrupcy as she has equity in her house, and that would come into play I am sure. 2 points to make first, when I have notification e-mail about a reply, the link to c/o does not take me to the forum, and I have to copy/paste, and second, I could not see option for PM, this forum has so much stuff on it, I find it a little confusing. I have learnt so much during this "support period" for my daughter. The steps I took was to first do my own spreadsheet on her circumstances. Gain her verbal/written authority for all people I was going to deal with. Did a Google and discovered nation Debtline, and others mentioned. Copied the templates from CCCS, and listened to their advice, and heard how many people are in this position. I rang all companies, spoke with confidence being an ex business man, and knowing I was dealing with some young people reading off a letter pinned to their pc. Always spoke calmly but firmly, and demanded they listened to me when sometimes they wanted to "rabbit on" and I found most of them very nice and understanding. Composed my own letter which I felt said all

AA- £10k (loan) MBNA £5k Mint £3k Next £250 S.Power £350 Nwest £3k First 4 all at £1 per month, and I am dealing already with collection agencies. NW agreed same deal and their paperwork is going through, so not started paying yet. Scottish Power being paid by meter

AA- £10k (joint loan) MBNA £5k Mint £3k Next £250 S.Power £350 Nwest £3k First four have all agreed to £1 per month, and it is the "collection" people who I have been dealing with, and have been told, as long as £1 is regular and never late, it will/can continue. Nwest have agreed in theory to same deal, just waiting for their process. She is on benefits, is that enough to go on?

Could you elaborate please

Hi There My story is due to me supporting my daughter who has ended up in a bad financial situation, and I obviously want to keep her identity unknown. She is 38, single mum, worked since 17 till birth of baby, never been on the dole. The babies father left when baby was 3 months old, so she is now a single mum with debts that were made by a previous partner, she had none of the £18k she now owes, she gave him the money, and we have proof, but he does not work, so they pursue her. I then took over and found out about national debtline/turn to us/consumer credit sounselling service/and I have received tremendous help from these people. I have agreed with 4 companies to accept £1 monthly to be paid by d/d, the last one has been a bit more drawn out, and that is Nwest, but I am nearer a solution, but they have been charging £12 per day on her 2 accounts, and I only had that charge stopped yesterday. She is also using gas/electric meters which were fitted free, but now I find, they charge £2.50 a week on each one. I tried to switch to a company that does not apply this standing charge (if thats true) but she cant switch, as she owes £350 on the electric to s.power. My concern is that the £1 payment gives her breathing space, but the debt remains, and I can't see how she can repay. Comments welcome.

Hi there, this is my first visit...I am supporting my daughter with debt problems and although I have satisfied most companies she owes, Natwest is causing me grief, which is best forum to post a "long story" made short