Hi Melanie thanks for the response, much appreciated. So in my case then, I actually owe £43,000, this is made up of approx £36,000original debt the rest in additional costs and fee`s for the none payments over the last twelve months. My surplus income had been deemed to be approx £300 per month at ...

If you have a pay rise, then lets say you pay 600£ per month as oppose to lets say the original £300, does this shorten your time terms or would it increse from lets say £18000 to pay off in total(i,e. £300 per month for 60 months = £18000) and if it does increase this amount, whom does that go to i...