Acknowledgements

The production of this edition has been made possible by a number of other authors who have contributed their specialist expertise.

I would also like to acknowledge the efforts of the authors of previous editions of this book, most notably Mike Wolfe.

Thank you to my former colleagues at Citizens Advice Specialist Support, Marina Gallagher, Lorraine Charlton and Joe McShane for checking and making useful comments on the text.

Thanks are also due to Mark Newbury, Rhys Stephens, Alexa Walker, Joanne Porter and Keith Houghton for their valuable contributions. Many thanks to Shelter’s Specialist Debt Advice Service for its valuable feedback.

I am most grateful to Kathy Proctor and Nicola Johnston for producing this edition. Thanks also to Anne Ketley for producing the index, to Kathleen Armstrong and Sarah Warburton for proofreading the text and to Bryce Payton for typesetting the pages.

Peter Madge