Many thanks again for your help..what a great forum this is...

Thanks Melanie, with regards to having to account for monies withdrawn...is it acceptable to use it to pay money back to my wife that i owe her for flat deposits etc?

Thank you all for your advice and help so far.I will read over things again,and i may be back for more answers [;....by the way the joint account is just to "pay the bills" for the home,so the balance is always around 0 at the end of the month,but i will get my name removed. As regards my own accoun...

Hi all, I have been reading the v helpful and interesting posts here for a while, just trying to pluck up the courage to post and ask some questions. I have 80k of unsecured debt with 9 creditors,I have been in a DMP for a year,just trying to get my head around the mess I have got myself into...,the...