Hi, thanks for getting back to me so soon! Thanks also for the advice. You mention my monthly disposable income: I guess I've never really worked it out because if I'm honest I don't really spend a lot of money on things - most of my money goes on the mortgage, debt repayments, and then the importan...

Hello, I'd be very grateful if you could help me because I'm very concerned by my debt situation, I haven't told my girlfriend the extent, and I'm worrying myself! Here are the details: DEBT: HSBC Loan - £22,000 Egg Card - £5,000 HSBC Card - £2,000 Virgin Loan - £5,500 Halifax Loan - £9,500 Virgin C...