Unfortunately I am angry at this:
'They seem to be avoiding dealing with the top-up problem '
Why do the banks still have solely one dept regarding mortgage debt, another regarding 'top up' debt, another regarding 'overdraft debt' and another regarding 'credit card debt' among other debts??? Isn't it a bit of a joke, when one wants to go to the bank to talk about 'the debt' to be told 'oh, we only deal with the 'top up' debt' - nothing else'. Am I the only one that thinks this is just completely wrong?? How do they expect to come to a resolution if they don't even talk to each other??