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so when things were at their worth what was your biggest level of debt over 100 just over 100,000 but 12,000 we dont know exactly its not something you really like to look into into that much detail I think that most people are the same they avoid looking at their debt ction letters and things like that they had 13 credit cards four loans car finance and an overdraft half it was living expenses and half it was the extras the luxuries the the nicer things that ordinarily you couldnt afford unless you borrowed that money but their business failed and they began to miss their monthly repayments it was then Basel and Amanda had an idea they got hold of a copy of this the consumer credit act and began and trolling through it Page by page it lays out the rules for every purchase we make on credit in the UK apart from our homes armed with this they began looking for mistakes their creditors may have made in the paperwork and then they took on their first lender put together a bit of a lett