I'd sit tight too Wilky..congratulations on your baby news. I'm still paying the £75 a month. I am getting letters on a monthly basis saying thanks for the payment your account will be reviewed in 30 days.. so I can deal with that for the time being. I figure if i don't miss a payment they might lea...

I dnt have any assets, don't even own a car.. however bankruptcy is not a route I'd really like to go down to be honest. While nram are accepting my monthly payments I'll continue with this and in the meantime will work out how to raise enough to offer a settlement - lots of car boot sales on the ca...

Wilky, thank you so much for your reply, it has made me feel much better. NRAM have contacted me again this month to say they want to review my payments again so I will try to keep stalling them with the £75 per month as I am now. How long have you been paying them? I'm not counting on them settling...

I know I need to pay this money, but how do I avoid having to pay every spare penny for the rest of my life to pay this off. I'm really not trying to get out of paying it, but think its unfair I could end up working purely to pay a debt that I'm not solely responsible for. Don't really know what to ...

Sorry, Leslie.. yes my ex husband would be jointly responsible however I do not know of his whereabouts and because of data protection NRAM won't tell me if they've spoken to him.

So NRAM have called to refuse my offer and advised that I'll be under review for increased payments at the end of the month. Can they do attachment to earnings or forced bankruptcy if they are not satisfied with my payments?

I have a debt of just over £66k with NRAM - caused by a repossession that I was unaware of by my ex husband with a joint mortgage(Long story!).. anyway, after receiving initial correspondance from NRAM I thought the best thing to do was find out whats happened and deal with the situation, which I h...