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Thank you very much guys - Headwire, like you, I am just about to enter into a TD so opening a new account is one of the first steps - keep me posted ...

Thanks everyone - advice is much appreciated [:)] Hi Paul - yes, hubby knows all about the debts - my grey hair and high stress levels couldn't hid...

lol - think he would be delighted to "disassociate" himself from me generally [:D] Thanx for advice - v helpful [:)]

We have a joint mortgage however no equity to pay off debts [:(] Thanks for your replies [:)]

Thanks Mark - just considering a TD for myself. I assume as a creditor my bank account provider will be advised if I enter a TD - in that event wh...