Hi, if I detail it a little better it should be easier to understand. I have an unsecured loan of 10k, a secured loan (albeit on a property I sold nearly 7 years ago) of £2.5k, 3k overdraft all with the Halifax, council tax arrears of £400, Audi/vw finance arrears with the actual amount owing on the agreement being nearly 13k, and some utility arrears of £500. My disposable income at the end of each month is virtually zilch, as I have a mortgage and usual household bills, and 2 daughters. I recently switched bank accounts to the HSBC and have transferred all my bills across there too, this resulted in the Halifax chasing me for the overdraft, understandably, and then writing to tell me they want all the 2.5k for the secured loan, and wanted to know why I had sold the house it was secured against, even though I told them when I sold it and nothing was done. I want to pay back what I owe but also know that, to do just that at the current rate would cripple me financially, I'm 31 and can't have this over my head for the next decade for the sake of my family.
