Anyone have any reccoemndations who i should try? I dont want to leave one debt problem to get into another with a bad company.
thanks

Hello everyone. We have found out our house is now worth more than we anticipated but it doesnt seem to help! We are on a low income sallary of approx 1100 a month (after tax) our mortgage is 72 house woth approx 100k now but no-one will give us a re mortgage to consolodate the debts as they do not ...

Once again thank you.

if only all IP's could be as straight talking as you are.

If we choose to speak with you regarding an IVA would you normally recommend going onto a DMP while the IVA process is going through? Would this limit the amount of phone calls we are likely to receive from creditors?

Thank you Melanie that was great, you and the other IP's who post on here are a credit to your industry We have calculated on a 35k debt we could afford approximately £400 a month on a tight but not impossible budget. People keep mentioning 25 p in the pound etc but i wouldnt know how to calculate t...

I know this may seem like a silly question and one thats probably been asked many times before but... What are the usual reasons for an IVA to be refused? Is it offering too little or maybe they believe you can contribute more than 100 pence in the pound after "their" idea of allowances have been de...

Thank you Melanie, i had forgotten about the loan as it comes out of the joint which i dont really use. Thank you once again. If i have anymore questions, which i am sure i will, i will post back soon. Its so great to have this forum available, keep up the good work everybody its a lifeline to many ...

Oh
The joint loan is approx 5k paying 100 a month, i wonder if they would let her take out a loan in her own name to pay this off and remove me all together? or is that the same thing? I just dont want to drag her down with me if you understand my meaning.

Thank you both for at least setting my mind at rest with that. As you can tell i just want to minimise the impact this will have on her. We currently have a joint account with FirstDirect and i also have a sole account with them. One of my creditors is them with a CC (approx 2.5k) we also have a joi...

I am really concerned about the iva process. All of our debt is in my name and i am considering approaching an IP but our debt problems have taken its toll on my wife's mental health and she is effectivly refusing to acknowledge it for fear of having another breakdown. How intrusive is the IVA proce...