I last posted about a month ago, when coming to the end of my TD and having a nightmare over the equity in the house. after challenging the TD's valuation on my house. I paid £100 to get my own report and submitted that to the TD along with a suggestion to pay £3k (borrowed from a relative) - the sum my valuation report said was the 'true equity figure' and not £10K as the TD had said. After about two weeks i got a call to say that no creditors had objected to this final 3k payment so at last, after three years, its almost over- the discharge papers are being finalised and iVe been told this will take three months. Now im looking at how to re build my credit- Ive heard I can get a 'pay up front' credit card so im looking online to see if I can do that

So to everyone who is still going through it- there is light at the end of the tunnel- To anyone who is challenging the equity figure in their house- get your own report - dont accept the TD valuation if you know the house is worth less now - I saved 7k by doing this !

To the forum thanks for all the help and support alomg the way...here's to a debt free future. Mac[:)][:)]