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Experto Credite and Bradford & Bingley

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I have been in negative equity with Bradford & Bingley since 1993 when my house was sold for half of what I paid for it (during recession). B&B put the debt with a firm of solicitors called Drydens to start with and I paid £25 per month for a while. Then the debt was put with Experto Credite to whom I am also paying £25. (These payments have been on and off since the sale of the house). I tried to make a full and final settlement of £1000, which I was going to borrow, but to no avail - they wanted a lot more. I am 2 years off my official retirement age and will never repay this debt (£20,500) in my lifetime unless I win the lottery! With hindsight I wish that I had never started to pay anything at all! Anyway, as the debt was a mortgage can I still send a CCA request? I will do anything to get them off my back.

Marian G

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