Thanks alot for tha advice. he is off down to CAB tomorrow morning I have just text him to tell him to get every bill from debt, mortgage, cards, etc to take with him.. The bloke is an absolute nightmare and to be honest it gets on my tits as its not the first time and his parents bail him out every time!! this time his mum came to me and my mrs and asked if we could help to (he is a family member of my wife). thats why I have said NO do it your self and do the bankruptcy thing! I have never had to run to my mum and dad for money and learnt the hard way and am better fo it now. but he just does not get it !!!!