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Hi, I really need some advise please re a loan secured on my home. It was taken out 5 yrs ago, still 5yrs to run. It is in mine and ex husbands name, but secured on my home. He was paying in full up until 1st March, and suddenly stopped paying - and since then I have had numerous calls and letters from them. I have agreed to providing an income/expenditure, which will show I am unable to make any payment ( just lost half my work hours, and struggling to survive).

Question, should I talk on phone to them, or ask to correspond through letters? I am already feeling pressurised by them, and only 1 payment missed so far.

Is any small offer of payment beneficial? Any advise would be appreciated, many thanks.

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