Myself and my now ex took out a loan with first plus of 60k back in 2006. Since then we have parted ways and i stayed in the house for kids benefit really. I contacted both mortage company and first plus for help. My mortage company was very helpful but first plus was NOT. I carried on making all payments best i could till 2013 as i ran into financial difficulty. First plus again offered no help at all. I went got advice and was left with 2 options either repossesion or a mortage scheme. So i opted for the mortage rescue option and was happy it all went through. This was completed back in october 2013. Today i recieve a phone call from first plus saying that i have to start making payments of Â£473 even though the amount i pay at moment is Â£119. After explaining that i sold my house as i couldnt afford those payments i was basically told tough they could offer no further help and i would have to seek legal help. I then realised Â£473 over 119 months which is what they want is over 56k back. Im frustrated as i know a easy option would be bankrupcy as i been told this by citizens advice however i am due to start uni in september and im worried i wont get the financial help i need. Can anyone please help?