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Yes thanks to you both for your honest advice. We obviously want to do the right thing and pay back as much as we can afford. I'll PM you, Kevin, w...

Thank you both for your replies. I am still confused by it all to be honest and we don't want to be seen as uncooperative. I did ask KPMG who are a...

Thank you for answering so quickly. I contacted a well known company, Trust Deed Scotland,who then arranged for an advisor from RSM Tenon to visit....