Well its been a stange week full of good and bad news. First the good - HSBC have agreed to the Mortgage in principle albeit with a couple of caveats about further borrowing etc (which are fine because I don't want to borrow anything ever again!). That said, they now want to get the house valued - w...

I'm not sure about that, was supposed to hear from HSBC yesterday afternoon - had been on edge all weekend. heard nothing. Hopefully I'll hear today about the mortgage - otherwise its back to square one.

So near and yet so very very far!

Will look into the pre-paid cards and see if I can't regularly top one upso that overtime I save a resonable emergency fund. Spoke to the Mortgage manager today and she advised that my returned application is 'perfect' and that it all 'looks affordable'. It has been sent away now to their approvals ...

You're quite right - better than that I am going to close my current account and have all my salary paid into a joint account with my wife so she'll have complete transparency of any spending. We want to keep a credit card for emergencies which I'll have the pin no. for but my wife will physically h...

I must add that the 14oo disposable will be if the homeowner loan goes through - at the moment its 400 which doesn't go far clothing and feeding a family of 4...

Thanks. I am looking at releasing £30K equity from my property through a homeowner loan with HSBC. My current lender. My mortgage with them at present is £138K on a property valued at £225K when purchased a year ago. I am the sole earner for our family but earn a fraction under £50K. HSBC have advis...

P.S - thanks for all the support its good to talk to people who understand...

Have contacted existing lender, talked it through and on the face of it they think they can help. They're sending through the application forms so I'll let you know how I get on... wish me luck... its just the waiting and the uncertainty I have to deal with now - which is alweays the hardest bit...

Thanks, have contacted my existing lender (HSBC) and will keep you advised of how it goes - just feels good to be able to talk to someone about the problem (aleit self made problem!)

I've been on the forum as a 'voyeur' for a while and have finally plucked up courage to start addressing my problems. The first majot hurdle was telling my wife about the debts for fear of her reaction but having overcome that particular problem its now time to start dealing with these issues... I h...