I'll gloss over the time I spent making repayments. Eating was an unaffordable luxury at that time and funnily enough my memories are not happy ones. Eventually I was given help and advice by a debt management charity and ended up with a £1 a month token repayment. Food was a sudden, but welcome shock to my system.
So this morning the bank phoned me. To advise me of their very special offer. They want to reduce my debt and then write it off. How kind of them. Except they want a one of payment to write the debt off. Of £3600. Isn't that nice? They made sure to ask if I would remortgage to get them the money, or if not I, would friends or family remortgage to provide the £3600. Generous or what? They must be feeling the pinch. Perhaps the bank is hungry now? I'm not too sympathetic, but if they really are starving they can come here and I will feed them cat food. Once a day. After all, that's what people consider as a viable option when they don't have any money to eat.
If I'd had the money I would happily have made the repayments, but then I rather suspect that someone somewhere in the bank knew that