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Newbie looking for help
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As you are in Scotland StepChange or Payplan are likely to recommend a DAS which is sometimes called a Debt payment programme (DPP) https://www.mygov.scot/what-is-das , this is a more formal version of a DMP only available in Scotland that prevents any action from being taken against you or your house.
(Payplan may suggest an IVA but with a mortgage increase coming up it may not be a good idea at all, and you would have to look at getting a secured loan in the last year of the IVA.)
In a DAS you can make affordability complaints and TSB appears to have loaned you a lot of money. getting any refunds would reduce the debts in the DAS so it ends sooner.0
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