Hi Linda
I myself have just 2 years left so contacted my IP and asked how much do I owe and they have give me this figure so I have gone back to them with a F & F of £8.000 with £13.000 left in total so fingers crossed I get accepted as if not my marriage will undoubtily end as it is putting too much of a strain on us and my health worrying all the time trying to make ends meet every month.
Good luck with yours keep us posted xx
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