Thank you for all the advice,we will have to take a long hard look at our situation and make a decision asap,thanks again everyone. Lizzi

Hi Lily, the property is rented so no equity I am afraid.Total unsecured debt is £36,000 Lizzi

Please can you help?.I have £5000 on my Lloyds Tsb credit card,£1.300 on my Amex card .My partner £11000 on his Tsb credit card,£19,000 on a unsecured Tsb loan and £5500 on his Amex card. My payments on my cards are up to date,however we have got behind with payments on my partners cards.I receive i...