Thank you for all your replies it has been really helpful.

Thank you Kaykay I never thought of this. Has anyone tried this before and if so what was the outcome.

Me. One of the reasons for the IVA in the first place is because I had lost my job and at my age 51 at the time these was little chance of getting another job at the level and income that I was looking for so I decided to set-up my own company working from home and it has been a great success. Now I...

Thank you and your input is appreciated. Whilst I believe we can obtain a 50% remortgage it is not my preferred route and as you correctly say there is no guarantee that the creditors will accept a lesser amount it is just me thinking and asking for advice. However knowing the market as I do and as ...

I would normally agree but this is all about making the best of current circumstances and the circumstances have changed for me personally and globally. When we entered into an IVA this was the only option available to us and since then we have seen the collapse of the banking system as we know it a...

We are in an IVA nearing our last year and the equity in our house is to pay the remaining balance. However things have changed in the world since we entered into the IVA. Many of our creditors were banks and they have sold off these debts to third parties and I know these debts are taken on at cons...