I just wondered if your brother said no due to the amount you asked for. Only because I did the same thing, asked my iva co how much they thought would be accepted in a f n f and they estimated about 8k for each my OH and I. I decided to offer them 2,500 for each of us and they proposed it to our cr...

Maybe mention this to your gambling friends. My father a successful man started gambling 40 years ago, lost his house, family, friends, worked very hard in 3 jobs to keep up a gambling habit. He's 80 years old now,he still works every morning to support his habit every afternoon in the bookies. Very...

Hi deepinit I have had to go back on repayment mortgage with nram, they just wouldn't budge with an IO extension. Likewise my extra mortgage payment is just over the cost of my iva. My ip have been fantastic and gave me a 3 month payment break so i could pay the mortgage. Luckily a relative has offe...

Hi, just to update, I had no reply from NRAm after sending the begging letter, but spoke to them and they cannot help at all as they say our income doesn't look likely to improve? I have felt sick for the last month over all of this, the mortgage rise will be on the 16 feb. We will have enough money...

That's brilliant Leslie, it must feel amazing, congratulations to you and yours, look forward to having a look at your blog x

Wishing you all the best x

Hi, ive spoken of this before regarding my mortgage with nram increasing this month from £710 to £1180 as they will not do interest only mortgage for me after 2 years anymore. I'm nearly 2 years into my iva. I wrote the begging letter to nram telling my iva would fail and could they please help by p...

Yes unfortunately, we had a consolidation loan with nram with a balance of about 2,800 when we went into the iva. Do you think this reflects on their decision? I posted a letter to nram this morning outlining that at the end of the iva we would be able to resume normal payments, etc and could they p...

Hi emptypockets, I am in a similar situation as you but with nram. Posted a thread on here yesterday and had some really good advice back. I wrote to nram last night asking if they would extend the terms on our mortgage, as you don't get to speak to anyone who can make a decision by phone. Our mortg...

Thank you everyone truly for the support,so glad that at this time have discovered this site. I would never have even thought that option existed, extending the terms of the mortgage could be our saviour. I will write to nram tonight, and keep my fingers crossed. We would naturally finish paying our...

Hi MrsR, thank you, I have spoken to the management team at nram and they seemed positive we couldn't go interest only any longer, so maybe I should try writing to them and pleading our case. Anything worth a try :) Hi Luluj, thank you, we just don't know which way to turn or what are options are, w...

Thanks for your reply Lesley, and all the best for your debt free future x

Hi there, we have been in an iva for 22 months successfully although very tight. Our mortgage provider let us pay interest only for the last 2 years but now the mortgage will now rise from 710 p/m to 1180 p/m. They won't help us anymore. our debt 103k monthly iva pymt 480 paid into iva so far 10,560...