Hello everyone, thanks for such a warm welcome. I am finding my way on here and I think I will contact one of the experts as advised. It already feels a weight lifted to have someone to talk to! Il be honest I am very undecided what to do re work. I have a fantastic job and my employer has been so g...

Hi there. I am a newby to this. Basically my Husband and I are in the process of getting advise about an IVA. We have debts together on loans and credit totalling over £30,000, plus we have one of the wonderful Northern Rock Together mortgages of which approx £30k is an unsecured loan. We both hav...