Q: I owe nearly £10,000 on a credit card. I took it out under a special offer and now can’t get the balance down. I have tried to apply for other cheaper credit cards but without success. I don’t think the interest rate I am paying is very fair and I don’t think the credit card company is treating me fairly either. Is there anything I can do?

Q: My brother and his wife have just come back from South Africa where they have lived for sixteen years. Due to the current financial climate and the fact that they have no credit rating here in the UK, they are finding it impossible to get a mortgage. If I acted as their mortgagee how would I go about setting up the loan to make it legally watertight?