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What should I do ? Please help!!

from Thomas Clark (thomasclark2@budweiser.com)
I received a letter from Moorcroft debt recovery agency stating that they have been instucted by The Royal Bank of Scotland to collect my overdue debt of £17,833. They have requested payment in full within 7 days or to contact them with a payment offer. Failure to contact them by 10:00am on 2nd February will result in a claim form being issued against me 'without further notice'. Really I can't afford this amount at all. I did telephone them to ask what exactly this debt entails as there are no details within the letter, really it just details the different procedures they will use to collect this money. I know that this will be a shortfall in the mortgage on my house that was repossessed. The girl asked if I could pay the full amount in 7 days to which I said 'No'. This was all she asked and then told me that she would send a full breakdown of what was involved in this debt. I have requested an urgent meeting with the solicitor who is handling my divorce and also I am trying to get an appointment with CAB to see where I should go from here. Really, the mortgage became too much for me after my wife left and she has contributed nothing at all to any of the matrimonial debts since we split up. The bank always phoned me to make payment proposals and when I asked them what she had proposed they would never say. I don't think they even pursued her at all. This letter I received has been the first contact with the bank for nearly a year and I assume that my ex-wife will have the same letter, right? Please help, I'm a bit worried about this. Thomas.
(posted 8458 days ago)

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