Hi wondering if anyone can help . If we have £77,000 outstanding on mortgage and house is valued at £99,000 how much equity will we have with the 85%ltv ?

Hi we have 34 payments left to make at £135 pm house value at approx £99,000 mortgage left to pay £77,000 . If we were to offer a full and final (3rd party) was wrong Bering what a good starting point would be . Don't really understand the 85% ltv and if we have enough equity to extend for 12 mon...

We used to have an account with a creditor robs which is now closed due to iva . Would I be able to open a nat west account or would they close it/ take money/ refuse application ? Thanks

Hi we are in an iva and looks like my husband will get a damages payout for pain and suffering due due vibration white finger caused by employers being neglegant. Have not mentioned to ip as its being ongoing for 4 years and we were told at one point there would probably be no payout. However we are...

Advice please. Just found out we are entitled to a tax credit rebate for tax year 2011/2013 of around £800 due to having a new baby. We do not usually receive any tax credits. Do you think we would have to hand all this over to our creditors? Only just entered in to iva this month and don't see the...

Just found out we are entitled to around £800 tax credit payment for the year 2012-2013 due to having a new baby. We usually do not receive any tax credits at all. If we claim this will we be able to keep any . We have only just entered in to iva last month? Any advice please?

What happens in an iva if you are underpaid one month then receive it back a few months later and the amount is under the 10% rule?

can you request that iva payments be taken at the end of each month after pay day?

hi what happensif your application for an iva is refused ? is a dmp an option as we will have defaulted on our loans and credit cards by then ?

Recently got a new credit card last month to transfer the balance from another card as the new one is interest free on balance transfers. However i feel the hole im digging is getting bigger and the debt is just getting worse so am considering iva but wonder if i should wait before enquiring due to ...

Ive recently taken on a new credit card. Will this affect my application for an IVA

Can i have a current account with a debit card to enable me to Do my supermarket shopping online as long as its not associated with any of my creditors?

is there an upfront payment to make when agreeing an IVA?
thankyou

hi does child benefit(not tax credit) need to be included in your income amount when applying for IVA? thanks

what happens if you lose your job when you have an IVA?