Please help - I have debts and am paying out more than my monthly salary and need some advice. I have a loan which I pay £180 pm, and have just over 3 years left (just under £7000 left). I owe £6000 on credit cards, £2200 on store cards and £750 on catalogues. I went to my bank (who I have the loan ...

Hi all - hope you can help. My partner has an IVA, just coming up to it's second anniversary. He has his own 2 bed home with mortgage, whereas I rent my 3 bed property. I work part-time and have 3 kids, he works full time (just painting the picture!) Now, we would like to live together as a family, ...