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Freezing interest ...

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Right! You need to do an IE sheet. Leave out the personal details, then post it up here for advice. If we can prove hardship then you have a stronger case to put to the bank when sending off a letter asking them to freeze the interest. Who is the bank and how much money are we talking about? Once you've got your IE sorted we'll get the letter done and try again.


Lastly, don't worry. You're doing your best to pay and judges tend not to look favourably nowadays on banks that treat their customers the way you're being treated, so even if they took you to court I wouldn't worry too much. Get on with the IE sheet as soon as possible and get it posted up here. Be entirely honest with yourself on it, don't pretend you can live on nothing as you can't! Similarly I suggest you post it up as there are set limits for each category and we need to ensure you fall within the limits.

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