Thank you so much guys. It's actually made me well up reading those comments. It's a momentous day for me and I can only hope that as many of you as possible get the right result. I'm flying out to Australia on the 21st May for 3-weeks and have job interviews lined up in both Melbourne and Sydney. I...

So, exactly 381 days ago I was sat with a debt of circa £80,000, a property in negative equity to the tune of a further £30,000 and a loan secured against it of £50,000. Desperate times indeed. After years of prevarication and blind ignorance to the fact that something radical needed to be done, I s...