I totally agrree that this site and your own brain are the best weapons. I have yet to find a solicitor who can do any more than I am, in fact one actually thanked me for educating them!!!!!!!(posted 8381 days ago)My local CAB in Witham in Essex were VERY HELPFUL. It is a specialist branch that has trained Debt Councillors. Many branches do not have these but will point you to the nearest that does. With any amount of luck they will then be able to help.