Please may I ask who is Charles Twyford?

Please may I ask who Charles Twyford is, and why he replies to so many questions so pessimistically? When I stumbled onto this site I was in a right state, being pursued by Eversheds for money I just didn't have. I read Lee's site and within the space of afternoon I felt as though someone had lifted a huge weight from my shoulders. Now I read through the Q&A section and I'm stressed again by Charles' references to courts etc. and his general approach which seems somewhat at odds with Lee's. Are Charles' answers santioned by the web page? Charles! Are you just a natural pessimist, or do you know something we don't??? I'm a little confused. Best wishes, E.

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