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Yes, bit of a night owl! Re advisors, what's the best route to take? I see lots of companies advertising, is there a recommended way of getting adv...

As for my employment, no, I don't think so, should be quite irrelevant.

Hi, not a homeowner, if a was paying back towards all I owed I doubt I would be able to pay my rent! I have not got to the point of paying these debts...