[:D] Thanks for the welcomes,Melanie and Fergiedoggy, and advice- it's really appreciated! Think we might be getting somewhere, have spoken to someone today (not sure if we can name people on here, but very helpful) who suggests a debt management plan to give us some breathing space for a couple of ...

[?] Hi everyone,I'm a newbie. Have just spent ages reading the posts and can't believe how helpful and friendly you all are- hopefully you will be the same to me! Have requested some advice from the IPs here, but wondered if anyone can advise me? Sorry, it will be a long read!! We have a really comp...