Exactly, it sounds like he's got stung on high interest rates when buying/remortgaging and I just suggested he looks into that as if he can get a lower rate he maybe better off.
Get out of there as soon as possible dude. It's not worth the demand on family life, I took about a 20k pay cut, never looked back and couldn't be happier with the decision.
I seen something on those payday loads, it was a few years ago so the details are a little off but it was something like if you took out £200 and didn't pay it back for 5 years it would accumulate to be more than the national debt of America.
It's needed imo, the 3 forwards aren't good enough/consistent enough, Bassette is still a kid so he can stay and continue to improve in the background.
Sheaf and Torp can't keep themselves fit enough and Allen is in his twilight years.
The backups aren't good enough for the defence either...