As a financial chill sets in you see more and more adverts offering cash for the homes of people in debt difficulties. Some of the organisations offering this sort of scheme were branded “rip-off” merchants by Adam Sampson of “Shelter” speaking on Radio 4’s Money Box last week. The problem is that this sector is largely unregulated and whilst this is the case horror stories of people only getting 50% or 60% of the true value of their home are not going to go away. For many the promise of a solution to their debt problems and the opportunity to continue to live in their home is very beguiling. However, selling on the open market and moving on may actually be the better option long-term.