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SPM Mortgage shortfall urgent help required please


Guest Andymids
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Guest Andymids

This is the first time ive used this site and thought Id see if anyone can help.

I had a mortgage with Southern Pacific Mortgage Company in March 2006 as I bought my council house from the local authority. Due to financial difficulties I voluntarily surrendered the keys back in July 2008.

I have received letters from Direct Legal and now from Scotcall debt collectors. The truth is I can’t see any way of repaying the £38.000 shortfall back to them. I am also being pursued by DMS capitol recoveries for a loan I had secured on the property for £17470.

I am on a debt management plan with Thornton Sheppard Associates, they have advised me to add this debt will involve me paying another £100 pcm to have it included. Even if I did this I would never be free of this debt as I’m 45. I don’t want to declare myself as bankrupt , I don’t really have any assets a[part from my car which is worth a £1000 and I rent my house off a private landlord.

If there is any advice or help I would be most grateful. Kind regards .

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