Thanks guys, I think I might drop a copy to Helen ( oh I do hate too when she has given so freely, bless her heart!)
Jemima, I suppose I am looking for the experience you had with Deloitte, but it's a bit embarrassing asking these firms when you have no assets, just income and debts you are paying off! I suppose I need a basic money expert really who can show me the best way & cheapest way to pay off what I owe and if it's viable for one loan to follow us. The bank have said it's okay, but then, in similar words to Christine Keeler " they would, wouldn't they"!! We make them a lot of money in penalties this way!
Even so, thanks for responding
Best
Sheril
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