Very good point raised by Student-debt. Another piece of news from Reuters said: LONDON (Reuters) - Many Britons are vulnerable to an economic downturn and do not save enough for retirement, the Financial Services Authority said in a major report on Tuesday, as it launched a programme to encourage s...

Thank you John for asking that question and Vera thank you for your great answer. I am myself in the same situation. I don't know what to do? Is there a helpline I can call? I have so much debt and my daughter has stolen my identity. I don't feel like I can trust anyone. Is there more people out the...