I'm sorry for not posting for a while, kinda been a bit stressed out lately.
Anyway to cut a long story short we have now agreed with the OR that we have an IPA of £104 per month. Which is brilliant and thankfully affordable. Only got 6 months left of the BR to go.
We're on the homeward straight and will never be walking down this road again.
Thanks to everyone on here that has helped along the way!
Good luck for the future, and please keep posting so we know how you are getting on.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk