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yeah thats what I thought aswell tda, thank you.

Thanks Mark, reassuring as ever!

Thank you for all your replies...I think I am definitely going to have a look around rather than jump feet first with the only company I have spoken t...

Thanks Mark The person I spoke to said because I'm only working part-time and not earning much I would need to do something called a LILA? I have n...

just realised I put no amounts we are actually owe...I think our debt in total comes to around £22000

Thank you for your replies I will try and explain our situation and hopefully it all makes sense! We currently have 2 unsecured loans in both our n...