Hi, there wasn't a broker involved but we were asked if we had any outstanding debts, we didnt disclose them as they were all being comfortably met and knew they wouldnt affect the mortgage payment. To this day they haven't affected the mortgage and we have never missed a payment. We realise now thi...

Is that absolutely definate that they need the courts judgement, I'm sure a court wouln't rule for repossession if were not in arrears dont you think, or am i just kidding myself.

Sorry, by the way I am J.4, couldn't remember my password so had to re-register!

Hi, we have never missed a mortgage payment but they are saying we are in breach of contract as we didn't declare any of our debts when we took the mortgage out, we are hoping to enter the iva on friday (creditors meeting)is there any chance of remortgaging before it begins, we have missed 2 loan pa...

We met with the bank today and they are deciding whether to force the sale of our house or add on default charges as we had debts when we took out the mortgage, which we didnt declare, therefore even though we have never missed a payment we are in breach of contract. If they force the sale does anyo...

We have got a date for our creditors meeting, which is next friday and I am terrified. This morning our mortgage lender rang to say that they had been contacted through the courts and that they needed to see is urgently, an appointment for monday morning has been made, I am going out of my mind that...

Just wondered when we start the iva can we get help with children's school dinners as it currently costs us £80 per month and this would help towards the payment, also totally different question but when the creditors meeting happens does each creditor get to know the total amount of debt i am in a...

i am going to enter into the iva process tomorrow, will it matter what the money i borrowed and now cant repay was for, do i have to say or give proof of what it was used for

I am in a massive (120K) amount of debt, have just managed to make payments for last 6 months but cannot make all of them next month, can i start an iva before i am in arrears or not