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Thanks for the advice Brisav. The problem is that this is all getting a bit complicated! I have been searching all over the web for the relevant info, but I'm not having much luck! Do you or anyone know what the "taxable income level" is, or how it is calculated?

Hopefully there is a quick (or at least, not too complicated) answer to this one. Otherwise I'm afraid we're going to have to bite the bullet and pay off the debts in full (aarrgh!)

Kind regards

Nix

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