As all the debts are mine what happens if my husband has a caravan on HP? Is that taken in to account with the monthly payments?
Do we have to get rid of it?

Thanks all for your responses. Great to know there's other people in the same situation as me.
What's the best way to choose the IP?

Any recommendations?

Help, This is all new to me and don't know where to start first.

Who do I contact and what information should I give?

WHEN WILL I KNOW WHAT MY MONTHLY PAYMENT WILL BE?