Hi, i was wondering if anyone may be able to advise me. I want to start the process of asking/negotiating for F&F settlement figures on 2 of my biggest debts one with Black Horse originally (BofS)  the other with Santander (originally Cahoot) both have changed ownership just last month. i have great credit never missed a payment on anythig, i am/was a mortgage broker made redundent in Aug 07 have not been able to re-enter the financial services sector as yet but still hope to therefore need to keep imppecable credit history (thoight i do know F&F will have a minimum effect)  The peroblem is we just can't afford to keep paying we are now carrying over 2k O/D's on each of my husband and my bank account. My question is will i get a better response by getting maybe an insolvency practitioner/accountant to negotiate for me or can i do this myself???

Many thanks