Wow, I think I could justify paying the loan as I had worked it into my budget sheet as a Priory debt and I opened a private account with NAT WEST wich comes with a debit card.
My other concern is my joint mortgage, if it was just me and my wife I would demand it goes on the market but it's my kids family home, I can't go bankcrupt and still have a share in the property even if my wife is paying the mortgage. I am prepared to sign it over if she can get the bank to agree, my share of the equity is around 25000 which would allow me to pay off my debts, maybe I could do a dmp short term then if my wife goes into arrears it will force the sale or I go bankcrupt then.
It all sounds very complicated but I am sure it's quite common.