Hi, I have a letter delivered through letterbox by sheriff officers.
I have c/tax arrears close to 5k during period wife was terminally ill.
The letter is a CHARGE FOR PAYMENT OF MONEY from Stirling park.
After wife passed away 3 years ago it has taken me that time to earn almost a full-time income at the minimum hourly rate.
I also have a part-time self-employed income.
My mortgage was in high arrears but I have been paying £50 extra to mortgage for the 3 years and paid every month, so arrears coming down.
I wrote recently to Stirling Park offering £50 a month with a review in every 6 months as my income increased or not.
They wanted me to call them to discuss it.
However, I crapped out of that as I had heard stories of how you have to tell them where you work, bank details etc and how folk had wages arrested.
I really do want to pay this debt off,
my house has negative equity due to the slump since 2008.
if they have my bank details and arrest my wages.
I miss the mortgage and they will seize the house.
They have been absolute unfair with me.
How can I get a deal with them without giving my bank and employer etc?
I have a car on finance through a high-interest company
so the remainder of the balance is higher than car value but I need it to get to work.
Can they seize my car or items on finance?
My payment record with mortgage and car over last 2 years is good with all months paid to show I can pay with an arrangement I can afford.
Anyone got accurate advice on this.
If I lose car-I'm screwed.
If the house is repossessed I lose thousands, increasing my debt.
I have absolutely no equity whatsoever.
All the furniture in my house is a wreck.
To make matters worse.
The job I am in would sack me if I had an arrestment.
It's a job of trust I have served well.
Not dealing with money but a job of trust all the same.