I can do the rubiks cube with my eyes shut, can I be an expert?

The majority of debtors just want friendly helpful advice which usually comes from the case manager and not the IP. 9 times out of 10, it's the ataff who work for the IP who the client really appreciates.....................

Your husbands I&E should've goven you an allowance for the contractual payment to be made if it was a joint loan. You need to check the proposal to see if it there.