Hi Does anyone know, if we juggle our mortgage repayments so that they are 40% of our basic income and can therefore offer about 60p/£ (before fees) whether this would still seem to be too much spent on mortgage? There is a good chance that hubby will get a fair amount of overtime in which will incr...

Thank you to everyone for your support and information. I've had a really bad day today feeling ashamed and guilty. I know that it's all our fault and we both want to pay back as much as possible, if I could pay it all right now I would. We made some really stupid decisions in the past, although if ...

Hi, joined here 2 weeks ago in desperation and have since faced up to the mess we're in and spoken to a company highly thought of here. Had phone interview yesterday, lady was incredibly nice and put me totally at ease, just waiting to hear now. Sitting down and actually going through all the number...

Although this is really hard to do there's no other option now but to own up to how things really are. We're massively in debt - around £90k without mortgage and have been struggling for some time now. We've managed to keep up payments so far but have come to the end of our ability to do this. Husba...