I think it's worth saying that when I first started using this site, and I was determined to try to piece together the 'big picture' of the shortfall industry (and get it publicised), I did email quite a few people I didn't know, whose email addresses I saw on Q&A, asking if we could swap notes, get a support structure together, etc etc. So what yer man's doing isn't altogether unheard of.(posted 8242 days ago)However, I think if a person's going to take this approach, then quid pro quo applies: if you ask for information, you give information back. So for example I didn't have a problem letting my new contacts know where I lived, and proving what my situation was, and some of us even have (infamously) even met up with each other. It's about laying the groundwork for trust to develop, really.
I also do believe that if large numbers of us get together and find a voice, we could be a powerful force. This site - and especially this Q&A forum - is the crucial first step. The fact that lenders and their lawyers read it is evidence of that!
By the way, Phillip, re your original question. IMHO I would agree with the poster who said get your friends to make a reasonable proposal to pay off the arrears, as per Norgan Rules. The local CAB should be able to advise. All best,