Hi Guys.just an update for you.......... I have spoken to my IP today offering the 10k as a F&F. She said straight away that the offer seemed fair and would be happy to put it forward to the creditors. The initial requirements were a copy of my mother's ID (Driving Licence or Passport),together with...

Ok will do,thank you for your advice,it is very much appreciated.

Thanks for your help,I will keep you ''posted''

Thanks to all of you for your good wishes and guidance.
I will keep you informed of my progress.

Thanks Lisa 2009,no harm in trying.

Well done and enjoy your debt free life!!

Thanks Karen.mg,appreciate your comments

Sorry to everyone reading this...........I sent my question in 3 parts,hope you piece it all together!!

Contd.......... ARGHHHHH This is mad!! Had to delete half the post due to too many characters,and now can't remember which part I am up to....(having a senior moment!!) So onto the reason for posting.(probably said this already,please forgive if this is the case) My mother has had a lump sum pension...

Hi I have just registered with the forum after spending hours looking through the site. Firstly can I just say that it is comforting to know that I am not alone.I have gained inspiration from the many members that post on this forum,and the information coming back from the industry professionals is ...

Last part.......... I also think that there will be equity in the house (mortgage owing 212k,house value approx 255k in the current market.If the creditors agreed an F&F from my Mother's loan,could they still lay claim to any equity in month 54,or would the equity be safe as the offer would have bee...