Nearly 2 years ago I considered a trust deed as my husband and I had £35k in credit card, loans and overdraft debts. We had a meeting with Mark and he was very helpful and informative.However, a TD is such a big step we decided not to do it at that time. Here we are nearly 2 years later and guess what.... still £35k in debt (and soon to rise as I need to use the credit cards more often). Never missed a payment! Not been using the cards (until very recently) and the debt remains! We have tried to get consolidation loan from a bank and from an online lender, but nobody is willing to give us the money we need - not enough equity in the house. To be honest, not sure if I even want to get a loan secured on our house as my husband works in the building trade and although not been out of work for years - who knows what the future holds! Anyway, long story short - reckon I need to contact Mark again and actually DO something this time! This debt just aint going anywhere! Sleepless nights have started again - God this is so difficult and worrying considering this step!