Thanks for all the info, where can I read more about trust deeds and if this is what I wanted do who would I talk to to get the process started?

The Trust Deed sounds like something I would be interested in. I need to find out more about it as I dont know much. How much would I be paying each month and who would I pay it to? What would happen to my creditors? Would I be debt free after the 36 months?

We have a secured loan on the house so we are in negative equity. The house is worth roughly £110k. Our mortgage has about £95k outstanding. The secured loan which we took last year was for £20k.

I have been trying to pay my debts off for a couple of years now and dont seem to be getting anywhere. I am paying as much as I can spare from my monthly income to my creditors which consist of 2 credit cards, a catalogue and store credit for a couple of items. These are just my debts and I own my h...