Hi Melanie, Thank you for responding to my question. In answer to your question ref the CCCS - they recommended I pay my creditors £763 a month. However my personal circumstances, since the CCCS arrived at that figure, have changed. My monthly take home pay has dcreased by £165, my mortgage has incr...

Hello, I'm single and 28 and earn £40,000 a year. I have a £157,500 mortgage and there is about £40,000 equity in the property but as I have an interest only mortgage, releasing that equity is not an option (i'm tied in for another three years and the deal I have means that you can only release up t...