Everybody with a mortgage or credit card has debts
I've got 2 credit cards, one's got nothing on it, the others got £30 on. That will be paid off in full.
I do understand where you are coming from though.
I do actually have a debt of £7000 from a repossessed house many many years ago.
That's being paid back slowly via direct debit, very slowly may I add, it's all I can afford

@JR £400k is a big debt
