Hello i am very new to this forum. I am also very desperate i understand that there are some legal loopholes taht exist in respect of credit card debts on credit agreements signed more than two or three years ago. I am desperate to find out EXACTLY what I need to do or write to get my frightening and debts wiped out I simply can not afford to pay them. I also have a huge problem with a Interest only mortgage i took out in 2004. I can no longer live in the property and due to the huge slump in property value i am being offered 30,000.00 GBP less than i paid for the propety leaving a shortfall for teh mortgage redemion of about 27,000.00 can any one help me i am very very very desperate and i need to move fast. Thanks Hanna