I would strongly recommend that you contact your Supervisor before you did anything with those funds. If you were to be made redundant, then depending on how quickly you can find another job, your ability to make payments to the arrangement could be affected. Please don't just assume that you can us...

Correct me if I am wrong, but I assume that you are suggesting that your payments to secured creditors (Mortgage or secured loans)account for 40% of your household income ? If it is then the creditors or their representatives would be able to establish that fact from the income and expenditure detai...