Thankyou all for your advice - it has helped us. I think the next step is to sit down with my mum and discuss us buying her house and selling this one to get the equity.She has offered that to us so it would i think be the ideal solution. Also lending from the family to pay everything off now and pa...

Hi - Thankyou all for your advice. To go into more detail - we owe Credit cards with HSBC £8k-Natwest-£5k bank of scotland £4k - Halifax - £10800k - and Barclay £3k - My husbands loan is with northern rock and only owes £2800 on that now if it was to be settled. We also have an overdraft with natwes...

Hi, Between myself and my husband we owe £36,000 on 5 Credit cards,a small loan and an overdraft. We are home owners and are to unable to produce proof of income as my husband has his own business. We have a self cert mortgage and are unable to remortgage to get any equity out of the house as we bor...