Hi TDA,

Sorry I just feel like my head is like mush at the minute. Can you tell me step by step the info that you need? Thanks

No problem skipy.

The things mentioned on the previous post were:

"You are correct in your understanding of Mark's question about surplus income. Think about all of your essential expenditure other than debt repayments. This will include your mortgages, council tax, utility bills, food, travel etc etc. Subtract this from your total income and you will have an idea of how much might be available to deal with your debts. This will guide Mark and the other experts towards possible solutions that you might consider.

If you can find it I'd suggest that you also dig out the original agreement with Black Horse. They have actually provided both secured (HP) and unsecured loans for cars and this makes a difference to your situation and options in a few different ways. If you cannot find it you could call them to confirm what type of loan that it is".