I live with my wife (Liz) in Cumbria and Christine with her husband (Terry) just over the border in South West Scotland. Covering such large areas (which in many places have more sheep than people) we have built strong relationships with our customers locally and across the UK over many years, who know they can trust us when they need us most. We are only ever a phone call or referral away from helping to simplify people’s financial stresses and strains and now more than ever, our experience is being called upon.