SORRY MISSED OUT SEVERAL DETAILS IN ORIGINAL MESSAGE(posted 7027 days ago)Wragge & Co (on behalf of Bradford & Bingley) were awarded a 40k mortgage shortfall debt against me in Nov 2004, relating to a property re-possessed in 1990. I sent a budget sheet in within the week, showing I could only pay 130 per month. (My home only has approx 25k equity if sold at full price & I have other debts totaling 30k) But relatives clubbed together so I could offer a 10k one off lump payment. They didn't respond, instead they applied for an interim charging order for weds 2nd Feb. After several phone calls chasing a reply to my offer, they finally declined it yesterday 27th Jan, by phone. There is now so little time to sort anything out. Can I postpone the court date? Would consider Bankruptcy / IVA anything its just I don't want to be in negative equity with the interest charges increasing daily. ANY ADVICE WOULD BE MUCH APPRECIATED