Hi, This may be an odd question but here goes. I have a CCJ instalment order which I pay £40 monthly, and they also got security on my property for 9k when Restons took me to court for unsecured credit card which I did try and fight but they got security and an instalment order. Now I am at a bit of a crossroads as I dont live in the house, it was rented and I was going to sell and may have a potential buyer. I am now thinking of moving back in the house as the equity may not be enough to repay my other debts and would want to come out debt free, however if I sold but would be about 2k short. So my question is if I rang up the lovely Restons and said I will sell the house if you pay me back 2k otherwise I will move back in and pay my £40 til eternity what reaction do you think I would get (I am a single parent so unlikely they could force sale if I moved back in the house) Is there any negotiation after security granted? If anyone could offer advice it would be appreciated.

Hi All, As a newbie I would just like to thank all the posters who have helped provide re-assurance and advice since my Ltd Company went into administration in 2009 and all the resulting issues I have had to deal with since then! My latest problem is that when the company was trading I (stupidly) agreed to a charge on our family home to support a business loan. I had also signed a personal guarantee for the business overdraft. In the ensuing 3 years I have had to deal with personal bankruptcy, however we have managed to hang on to the family home, aware though that NatWest still had a secured charge on it. A family member has fortunately loaned us the funds to clear the secured charge and I have a number of letters from NatWest confirming the full and final and final settlement amount which has now been paid to NatWest. Last week I received a letter saying that an error had been made at their end and that the personal guarantee also needed to be cleared before they would release the charge! I had no knowledge of this and I have asked them to send me signed copies of the PG. I accept that negotiation will need take place to reach a settlement on the PG, however I originally offered NatWest the chance to settle both at the same time however they refused and said they wanted to deal with them separately. My main concern however is that surely NatWest have a contractual obligation to release the charge, given that they agreed to and further more I paid the full sum including accrued interest to them on that basis.It seems unfair to be moving the goalposts at this stage, although my experience of the Corporate Recovery people in Telford should indicate they will try anything! If anyone has any advice I would be very grateful. Thanks, D.