Further to my last post advising how I had been "saved" by Britannia my existing mortgage lender , despite me telling them everything at the outset they have backtracked and will not do anything at all for me.

Back to the mortgage broker today to look at mortgages, waiting a loan quote from First Plus exclusive money supermarket rate to consilidate just the £35000 credit card debt.

I did not mention rainy day money of £12000 savings which I so am loathe to touch neither of us being in a pension scheme aged 43 and 45