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I was also wondering in TD I assume the monthly contribution is based on your income and expenditure and what you can reasonably afford to pay but is ...

Thanks for clarifying that David.

Thanks to everyone for their replies. I am going to try the Santander as Twizzle seems to be in a similar position to us with regard to the Halifax. M...

Thanks Kevin. My existing overdraft is with Halifax so I will avoid Bank of Scotland as I know they are part of the same group. Was thinking Santand...

Thanks David. I pay my mortgage and council tax first when my wages come through and I appreciate that they are the most important this to pay. My ...

Thanks Kevin. Yes I do feel much happier having raised some queries with you all and having received great advice. No one has raised any court action...

Just one last question just wondering if I should try to change my bank account just now as I have overdraft with existing bank or should I just leave...

Thanks for your advice everyone. You have been most helpful and I feel as if at long last I may be able to find a solution to get out of this mess.

Thanks David. I am going to speak to my husband tonight and discuss whether we will take advice at present or wait until we have all vouching etc.

Thanks Mark. I understand that if I entered a Trust Deed payments would be based on income/expenditure but I just wondered if it possible to say what...

Thanks Mark. I note your comments re the Halifax that makes me feel a lot better. I know regardless of what his new salary is we can't carry on like...

Hi TDA, Thanks for your comments. I just didn't want to waste people's time making an appointment when I don't have any vouching etc. until he starts...

Hi TDA. Thanks for clarifying the credit card position. He will be starting his new job in 3 weeks. I thought it best to wait until after he had sta...

Thanks for your reply David. That makes things clearer in regard to the house. I think the outstanding debt is about £60,000. So it is substantial....