thanks my head is spinning with all this but that has really helped alot. the house was in joint names so that is good.

my mum has just recently passed away. my father has now been left alone with nothing but the house they live in. they had no savings as my mum was on disability living allowance and her state pension. my dad is on incapacity benefit plus a small pit pension. he has found a letter making an agreement to pay a nominal amount of a credit card he did ...