Yeah I think I'm returning, I have the option to stay but for some strange reason I miss the rain of NE England. How would I go about looking into these? I really appreciate your advice!

Thanks for that. My debts are: Moorcroft Debt Recovery 7022.49 Santander 6910.75 Apex Credit Management 845.70 Barclaycard 711.40 Barclays Bank 305.76 However, on my credit report, Moorcroft is shown as Halifax and Apex is shown as Lloyds TSB. This is who the original debt was with, not sure what this means. I am currently working in rural Australia so receiving my mail is a little bit difficult but not impossible, I can do this if I need to, just wondering what happens if I do this. Cheers Dan

Hey there, I have been on a debt management plan with CCCS for a number of years, paying a total of £48 each month to five different companies with a debt totaling around £15800. I have a mortgage on a house with negative equity, which I can currently renting out as I am living with my girlfriend rent free. She has offered to give me a lump sum of money to clear this debt (she's an absolute belter!!!), however I am a little bit worried about explaining that I am living with her and she has money. My question (number 1) is if I tell them this, is there any way that they can try and get the money from her as we are in cohabitation? (question 2) I spoke to CCCS and told them I was hoping to make a settlement offer and asked their advice for how much I should start at. They told me it should be however much I have and they would not advise on a specific percentage. The problem is that I don't actually have any money and will be relying on my girlfriend, she says she's happy to give me it but I don't want to completely wipe her funds out, after all she has her own bills to pay and children. Can anyone suggest what sort of percentage I should offer? Thanks in advance!