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Indeed your right easy, havent worked in finance for a couple of years so had forgotten. I worked for a loan company and had to do a few "field calls" in my time, It was horrible going to peoples house who clearly had nothing and asking for a few hundred quid.

Thats quite easy really just go to CAB and they will complete a break down all all your debts and how much your earn and how much u need to eat and such and will divide the money you have spare up between companys and legally they have to accept what you offer.

Nope, None at all.