Listen to BBC Essex - John Hayes on Drivetime

Mike Thomas, aka DebtWizard, is once more live in the BBC Essex studio with John commenting on why RBS & NatWest have reduced their bank charges as from 1 Oct 2009. Mike also offers a very good argument on why he feels you can claim back nearly eight years and not six, should the banks lose the appeal. In the second part Mike discusses the pros and cons of re mortgaging your home to pay off debts, there can be serious implications warns Mike. Another fascinating show.