Regarding your creditor list, mondayblues, it would be useful to have a breakdown of how much is owed to each individual creditor. The likes of nationwide and barclaycard have different criteria than most which could necessitate a longer term if they are owed enough to block protection for either of you.

Hi there, its 5,000 each for barclaycard, 4,500 nationwide, 7,100 intelligent finance, 8,600 santander joint loan, 600 next, 218 very.co.uk, 600 overdraft bos, 200 santander od and 250 intelligent finance overdraft -

If the firm you are seeing are still insisting on 4 years, then you need to get a second opinion. To be honest, I think you have too many variables to give you a definite answer without a full income & expenditure being done. I am also not too sure about this valuation as even you say it is very low. You cannot take the chance that there will be a full valuation carried out later and identify a large amount of equity - after you have signed!

As barclaycard and nationwide constitute more than a third of your debt mondayblues, then you may well find that your trust deed would have to run for more than 3 years to get protection