Hi evetone. Just letting you know that i met with Melanie today and as most of you know she is a wonderfull lady. I don't feel like such an idiot now and i am quite hopefull that i can turn this around. I will keep you all posted. Thanks again Melanie and to all you guys for your support.

Well done indebt. You are in very safe hands with Melanie's team. Thanks kallis3 I just hope i'm not the one Melanie can't fix! But yeah i'm quite positive now (i have to be) and already can think of a few things that will help with my outgoings like extending my mortgage term etc from the 18 years...

Thanks Melanie.

OK Guys just to let you all know i contacted a very helpfull lady at Melanies offices and poured out all the horrible details. Waitng now for Melanie to get back to me with ideas or hopefully solutions. Great to have the ball rolling and maybe be on the route to a way out of this. I'll keep you post...

Thanks andydavie for the name change. Thanks to you all for the encouraging support and i will keep you all informed of progress. Glad i stumbled upon this forum.

Ok i'll see if i can get the name changed. I don't know how to do it but i'll sort something.
Melanie thanks i'll give you a call tomorrow.
Gonna go and see if i can get a nights sleep tonight. it's been a while!

mike.s Thank you for the kind post. I haven't as such done anything practical yet but feel much better already that i've made a move. Andydavie my house was valued at £330,000 before the slump so prob alot less now. I've £182,000 mortgage with 18 yrs left on it, ( years left of a 35k loan secured on...

Thanks everyone for the encouragement. I just fear there is no solution, that the the outgoings are always gonna be too high but i'll see what the experts say. Thanks again and fingers crossed for me.

Thank you for the encouragement. Very thoughtfull of you whenever you have your own problems. Good to know you are sorting yours.

I don't know if i'm on the correct forum here but if i'm not somebody please point me in the right direction. I've been a real idiot and now have my wife and young children in big difficulties and need help or advice. I had a good job and was reasonably well paid but i hated it and went self employe...