Hi,

If possible could anyone please advise as although we're ontop of the payments and have never missed one, I work in a commison based sales job and with the scare mongering out there the sales are slowing down and that eventually will have an effect on our wages.

We have the following:-

Mortgage (negative eq) - not an issue and don't want to do anything to this

Unsecured loan - 23k approx

Car on finance purchase 3 years in 2 to go

Car on passport plan - 10 months

6.5 k overdraft (due to house renovation pre credit crunch)

4.5 k credit card (house renovation)

1.5k (furnishings)

One of the main worrys I have is that the overdraft is only agreed until febuary and in the currenty climate I have heard horror stories of the banks removing them without notice.

We may look greedy but it was all being managed properly and not one payment has been missed but because of the crunch we don't want to fall into any traps.

So hopefully someone might be able to advise, I do hope so.