Hello...thanks again for your help and advice. If my Sis is able to help then i will update the post. x

Hello....really appreciate your advice...thanks very much...what a great forum with great people...thanks again x

Hello again....sorry... I have also been sent info from my IP asking me to chase PPI claims. Would it be best not to do this and offer that as part of an F+F agreement that i will never pursue them ? I don't think there is a large amount of PPI that i am aware of but i guess that when i was hit hard...

Hello...Thanks Hyperdrive and luluj..... I really appreciate your advice.....So just to clarify...you think that the creditors would accept a F+F if i base it on 47 months and they wont wait for the potential equity release which based on the original figures could mean them getting an extra £16k on...

Hello Debt tired
I think the extra £50 reflects the amount of the payment that goes to the IP/Company as opposed to creditors.
But please advise me if this is not the case as i am a newbie...Thanks

Hello Hyperdrive and thank you for your reply. If there are no changes to payments then i will be paying £290 for the next 35 months ( or 47 months if a remortgage is rejected. Based on this ....what F+F offer do you think would be seen as acceptable by creditors ? Based on the formula i have read i...

Hello...Thank you for such a quick reply ! I think there is enough equity to cover the 16k ...but i am a bit concerned that i would be forced into seeking a mortgage with a much higher interest rate ( of which i would fully understand the reasons ) but would mean i would continue to struggle. If it ...

Hello...This is my first post ...so please be gentle. I have been in an IVA for 25 months and am paying £290 per month. There is an agreement that equity could be sought from my house toward the end of the agreement ( which would be potentially worth an extra £16k ( based on figures used in the in...