Sorry to jump in here, my interest was peaked at the heading of a debt moving from England to Scotland because I incurred joint debt while living in Scotland and moved to England 5 years ago so have found myself in a reverse roll situation. I don't have a clue where to start looking for help or advice with this and I am close to feeling I am headed for a nervous breakdown. I am a new member of this site as from this evening and I feel quite desperate to make this hijack so I am also sorry I have I don't mean to be rude. Thanks Folksv