I don't know the answer to your question,but just to let you know that I deleted the other question as it was a duplicate of this - just in case you wondered where it had gone!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Melanie gave us details of an excellent contact, who found the best deal for our personal circumstances. He then passed us onto Duncton - you can go them direct if you wish.