thanks 4 your advice i did contact the bank and they agreed to re-instate the overdaft an pay it off over six months. i am really greatful for that advice. we can now buy food

Welsg Boy & Melanie I tried to as my exisiting lender to increase the exsiting mortgage to cover my problems. Even though I have successfully paid of my original 25 year mortgage (2 years ago) and all that remains is a small second mortgage <£10,000 with 30 months left to pay. I have heard nothing f...

Can a bank take the whole of a month's income to pay off an overdraft and leave a family without means to survie?

Hi You are correct in your deductions. I tried to contatc my creditors using CAB services and advice, none of them responded positively to my communications. Each creditor is either a government agency or a high street name. But not one was willing to discuss a period with 0% interest or suspending ...

Am long term sick from work, but still techncally employed. during sickeness debts have built up now approx 20,000 to five creditors. have home (160000) and own 95% equity. My ill health is likely to continue indefinatley (mental health breakdown). Can i legally enter into a 5-10 year agreement on a...

how can I ensure I am protected from exploitation when borrowing against my home, and paying over the odds for that loan, yes I have defaults and yes I have a ccj - but there are explanations for these - ill-health. please advise.

What should I do I owe about 18000 and have 4 creditors including Customs & Revenue. Can I solve these debts by an IVA? or should I remortgage my home>