Thanks for the advice kallis3, I will gather together the exact amounts and see what comes up.
Cheers

Hi guys, I really don't know where to start, I'll try to keep it short.... My Fiance is a self employed roofer who has been extremely sucessful for 30 years - up until now, what with the recession there has been very little work for the past 5 months, so we were forced to use savings and credit card...