Advice needed on mortgage. I have been dealing with Pay Pal and they have not been paying Northern Rock.

kallis3 - that is fine with me, if some one there would just give me an answer it would be great! foggy - I know that my ex is not payplan's client but they were aware of what problems I would get from him if anything like this was to happen so I do feel like they have let me down because no way wou...

I'm not sure if my IVA could just be changed? The unsecured part of my mortgage is included in my IVA and now solicitors are chasing my ex for the full balance. When I got divorced I had a declaration of trust put into place that, although I cant get his name removed from the mortgage, the house is ...

Hi again,

Hoping for some more advice (sorry but I'm pulling my hair out).

Is it possible to break your IVA if you feel if has been miss-sold to you ie. incorrect/lack of advice?

I would much appreciate any feedback please! x

Hi, It's definately an IVA I'm in and the company I'm with is Payplan who were recommended to me by a family member. I have been in touch with them again and asked them what my options are but it's like banging my head against a brick wall because I cant get a straight answer. They registered my las...

Hi again, Just had a response from IP saying that my mortgage provider cant be removed from my IVA as they will then be treated as a preferential creditor. I have no idea what this means so I have asked the question but they seem like they are being delibrately evasive. I can never get a straight an...

Hi and thanks for your replies :) Is it really possible to get some debt removed from my IVA? I would not mind re-starting the process. I just cant face any further confrontation from my ex. Why would the mortgage provider have to pay a fee? Doesn't seem right to me. I'll get onto my IP straight awa...

I was hoping you could offer me some advice please? I am now divorced but I still wanted to keep the house that was bought jointly. My ex wanted nothing to do with it so my solicitor arranged court orders and a declaration of trust that any equity in the house, including negative, would be mine and ...