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Thank you for this advice, it's a relief to know that there are options but I feel like a terrible role model for my child and wish I could go back an...

I don't drive and use public transport to get to work. I have absolutely no assets other than a potential PPI claim with RBS. Yes, majority of my deb...

thanks for responding so promptly. I rent privately and have lived at the same address for nearly four years but as is often the case, my rent increa...