1103880 Before I went to Tom and the team there seemed no light at the end of the tunnel. I had a few properties in negative equity relating to previous bankruptcy and banks unnwilling to re-negotiate rate. The mortgages would be a noose around my neck forever. Tom and the team adivsed that this could be dealy with and altohugh I was sceptical I followed through and am now debt free and with a good credit record. Thanks to Tom, Lesley and all the others involved. The banks were unpleasant to deal with however the team took care of the vast majority of communication and all the negotiation. They know who to contact and who to negotiate with- the banks would not even have the courtesy to discuss these matters with me prior to this and merely suggested I keep paying whatever they asked for.