Mia,(posted 7325 days ago)I will certainly help you write a letter if that is what you wish to do however, in circumstances like these it would be much better face to face with your local Natwest branch manager / account manager.
This would allow you to explain the situation in full and demonstrate your attempt to resolve this matter, much better than any specially crafted letter could ever do. I would only recommend a letter if the face to face meeting did not obtain the required outcome.
Regarding First Plus - you will need to provide me with all details - I will email my real email address to you immediately upon posting this message to the home repo board.
Your easiest option sounds very drastic and emotive - Debt causes stress which doesnt always help us to think straight - As I myself learnt money is not everything and its not as if they can put you in prison or take your life! Sadly many people take their own life in such crisises.
If the cause of your relationship problems is due to debt dont let it beat you and your partner, for your daughters sake.
If debt is simply one of many other 'relationship issues' then i am not really the right person to comment.