Im trying to get rid of my debt with Bank of Scotland. Tried to sell my house (since 2008) for 4 years, after that i was forced to sell my house for a small price. After a short period of bad luck and setback i lost my job, ended my relationship (which resulted in not seeing my kids for almost 2 years). Since october 2014 i have a job and do my best to clear my debt. since oct 2014 i cleared 12600 euros, to clear the rest i need 24600 euros. Bank of Scotland is claiming my income for 2/3 every month and it is hard to live. I see my kids again every other week from friday till monday and i want to give them all they need. I walked every way to convince Bank of Scotland for a payment plan, even by court, but they have no interest since they claim almost all my income. Im starting the third procedure now. Im doing everything i can!