One of our old bank accounts is closed but was with an outstanding balance of £550, but that is the only other creditor.

I split up from my wife in March 2006 and left her to live in the house, with our 3 sons. In March 07 the house was reposessed as she did not keep up repayments. Although we are separated we are not yet divorced and the mortgage was still in my name, we also had a secured loan of around £16k. I’ve r...