In the interim he cannot run up further debt by taking O.S holidays as seems to be the intent of Rebel who is the subject of the other thread.I was staggered after reading how badly in debt Rebel was & how many posters had spent time posting suggestions for helping him for him to blithley even consider spending money on holidays. I.ve been through some bad downturns-most of friends& collegues having either topped themselves or divorced over the years so I am not unsympathetic to anyone suffering