Thanks for all your help looks like I will have to stick with santander's variable rate for the next 2 years and hope for the best that interest rates don't go too high

We did a full and final IVA in 2010 where we paid a lump but hadn't missed any payments up until then. Do we have to wait until 2016 to be able to remortgage as I am assuming the bad credit will be on our records for 6 years still even though we didn't do a standard 5 year IVA? Our fixed rate is due...

I know what you mean - this is the first month we have missed paying but the savings have finally run out and a very rude man from Egg has already been on the phone twice! We are waiting for our proposal back as well so am hoping it wont be too long so I can stop worrying myself sick and actually ge...

Thanks Andy - I'll try a couple more today

Too late again then! [:(!]

How long does it normally take to get a response from the initial enquiries? not had any calls back yet? thanks

Thanks Melanie

Thanks Jan, I have called a couple but waiting for someone to get back to me

Me = 40,500 - student loan = £8,000 of this
OH = 24,100 - student loan = £5,000 of this

thanks [:)]

Hi, I have seen mixed messages on whether student loans can be included in an IVA - I owe £8000 and OH £5000? both are currently deferred. Has anyone included theirs?

thanks

Thanks Andy - feeling a bit more hopeful now - might actually sleep tonight!

and thanks to Kallis and Michael as well

off to bury my head in the sand for one more weekend then start sorting things out Monday![:D]

Thanks for that - just need to do something before we start missing payments as running out of things to sell on ebay to cover them! Someone said that we can't do a joint IVA though as the debts are in separate names (mainly credit cards) but the mortgage is joint? Also, if we do the one off payment...

Hi, Been to CAB today who said as OH is not working can only do token payments but when he's back in work they would recommend a IVA. Owe £52000 - he suggested a repayment of £400 per month at 40p on the £. What he didn't mention and I am picking up on is the 6 year/remortgage thing - is this compul...