Thank you again Melanie for your advice and speedy reply. As an indication of how difficult negotiations will be, I suggested to my husband that we surrender the endowment and split it equally. He would have his half completely and I would use my half to continue to pay the payplan payments. He refu...

Dear Melanie and Oliver - thank you both very much for your quick response and advice - I am very grateful to you both. My debt situation is that I owe £40,000, all but about £4,000 is this is in my name and the £4,000 is joint. My husband does not work. Apart from this, the only debt we have is the...

My situation is that I currently owe £40,000 on unsecured credit cards, loans etc. I am repaying this on a debt repayment plan with Payplan. My husband and I are separating and my 11 year old son is staying with his dad. therefore I am moving out of the matrimonial home and will have to rent. I am a...