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Thanks so much David for all your advice tonight. I honestly feel like a weight has been lifted after so many months, and probably even years, of worr...

Husband has just confirmed one of his credit cards is with Barclay card for around £3800.

Sorry also meant to say that our car won't be worth more than £3000.

No I don't owe any of these creditors, and I don't think my husband does either but I will check. Both of us would want to probably speak with you or ...

Thanks for your advice and quick response David. We remortgaged last year and at that point our house was valued at approx £180,000' with our mortgag...