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Thanks for the speedy reply and in answer to your questions: I estimate that the PPR will be worth between 400k and 425k once complete. I have a formal valuation being carried out this Wednesday so will know more then. To be precise, on the 31st December 2016 the outstanding amount on the PPR...

I have been swimming in a sea of debt since the down turn and have been doing my best to try and clear various debts bit by bit. I have finally realised that the best way forward may be to seek some sort of relief or arrangement. At the moment, I am reduced to what I would call the ‘biggies’...