Thanks ever so much Melanie.

Sorry, another question. One of my creditors is Halifax Credit card. I also have a bank account with a debit card with Halifax. I am assuming that as they are the same company this will affect my bank account? If so, I should obviously find another account before entering into an IVA. Does a debit c...

Hi Melanie.

I'm still married, but separated for the moment. The mortgage payments came out of her account when I was on the mortgage (up until a year ago) so I have not paid anything under my name towards the house.

Hi Melanie. Many thanks for your quick response. It is actually her house and I have no ownership. I pretty sure that it would only affect her credit rating if we had any joint financial arrangement - mortgage, bank account, saving account, insuranc etc. Is this the case? I was named on the mortgage...

Hi. I am seriously considering going down the IVA route and wondered if I could ask some questions that I can't seem to find the answer for. I have 20K in unsecured debt at present due to various things in my life. Recently separted from my wife and child I am finding myself living in rented accomod...