Hello,

Wondering if anyone can help me.

I became unemployed at the end of August last year. At the time I had a personal loan with Santander originally started with Alliance & Leicester before they were taken over. The loan was originally for £12,000 with the normal sort of interest rate for an unsecured personal loan.

At the time when I became unemployed I had a ballence of - £3500 in my personal bank account and debts of about £11,000 on credit cards.

I have made arrangements with my parents to have my credit card debt wiped clean - I will have to repay later when I'm in a better financial situation. I have managed to find part-time work which earns me around £200 per month, that is paying back my overdraft in my personal bank account.

That leaves the Alliance & Leicester loan as the only debt outstanding. I have to pay aprox £350 per month under this agreement and currently I don't have any way to pay that back. I'm about £1000 overdue.

I have started my own business in September last year and currently waiting to get to break-even point but not too far off yet.

I have two plans of attack to resolve this issue. Either I can attempt to postpone the debt-hounds and wait for my company to begin making money so I can start to contribute to my debt or alternatively I might be able to get a loan from the government.

If I postpone my agreement with Alliance & Leicester then I need to hear if anyone knows what my rights are, what the law is or what the guidelines are that apply to this situation. I have tried searching the Internet for advice on this and it seems almost impossible to get any sort of reasonable answer.

From the point of view of getting a goverment loan. What counts against me is that I'm trying to help myself by starting my own business rather than attempting to look for a job using the governments official pathway. What counts in my favour is that an awful lot has been done already to remedy the situation, I just need a bit more time and that might be where the government can help. The prospects are good but as I don't own a home and I have defaulted on my agreements I am completely un-credit-worthy for a while. As an individual attempting to start a new business I think the government will be supportive - I just need to find out how. So far I have made an appointment with my local Job Seekers as I've been told they are the people who know all about benefits. I am in the funny position where I have no time because I work every hour god gives starting up my new business and working part-time in my official employment. Even though I work all the time I have the income of a man working 8 hours a week earning minimum wage.

So there we have it, I'm looking for help to sort out my situation with my Alliance & Leicester Personal Loan - there is no option to claim from any payment protection insurance.

First of all send Santander an income and expenditure sheet detailing your income and outgoings. Make a reasonable offer to pay something you can afford each month. Never pay what you cannot afford. If you need some help with this, private message me.

For local loans and business grants, best place to start is www.businesslink.gov.uk as they will advise you of the resources in your area, as opposed to you trying to track everything down.

Santander are already aware of my situation but they continue to hassle me. I want to come to an agreement with them but I don't know what they are supposed to do. You often find with these situations that there is a code of conduct or a right and wrong way to behave. I often feel with debt recovery that the companies have the option to conduct themselves any way they please so long as they operate within the law. However, there are usually guidelines issued by a regulator. Especially in the financial world. You have organisations like the FSA.

From the point of view of the organisation lending the money; the less the customer knows about these guidelines for conduct the more they can get away with in terms of hassling the customer into making repayments. The purpose of my initial enquiry was to discover what those guidelines were so I would know how to fight them and win. In my case, winning would be to do the honourable thing and pay back my debt, but to do this after a break - at the moment I can't afford it but they don't seem to be listening. If I don't know what they can and can't do or what they should or shouldn't do then I have no idea if I should expect them to accept my proposal or not. Do you see where I'm coming from? Without knowing their game there is no way I can beat them at it.

With the business, I do not want a loan for my business, so there is no point going to Business support, information and advice | Business Link - I would like a loan from the government to pay back Santander, so I can get the break I need and then pay back the government when I can afford it.

Personal loan is so much effective for prove yourself in real life. Some time we don't have money. Something business load so diffcult that time Personal loan is the only hope. I think this its a good issue.

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A debt consolidation loan maybe your best option, for the long term they can be ideal especially if you are building a steady income. We advise on a daily basis in regard to these for many individuals and businesses - www.theukdebthelpline.co.uk

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