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    ".... it was that 'family member' lender that encouraged them to do the silly thing that got them into trouble in the first place..."

    Gordon Brown again I suppose.

    In which case Gordon Brown facilitated the bad decisions made by the family (in much the same way Mrs Thatcher facilitated the personal credit culture that has crippled many a real family) but it was still the head of the finances in the family that acted irresponsibly. Just because someone else is now in charge, should they still have their 2 weeks in Ibiza?

    As with all these tight home finance situations it is also important to understand where money can be lost. If my loose change dissappears, I always check down the back of the Caymen islands...errr, I mean sofa.

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