Thanx for the quick reply melanie, basically, i have a debt to my parents that i have to pay which i would like to use the equity in my house for, i do not want to leave them out of pocket. If i remortgaged with a new lender in order to settle that debt and then applied for an IVA for the rest of my...

If i was able to release equity in my property now and pay some debt but not the HSBC debt, would HSBC be more likely to refuse the IVA based on the fact that i have just remortgaged with them but not consolidated any of their debts?

I have a mortgage with HSBC it is 100% mortgage brought for 91,000 now worth 110,000 however not sure if i could afford to remortgage. I would realistically be able to afford £300 - £400 per month max.
I also have debts with HSBC, how would that work with regards to also having my mortgage with them?

Yes mealanie i do have some debt with HSBC would that pose a big problem?

realistically i would be able to afford between 300-400 per month max

Cheers for the quick reply, my house has 100% mortgage so have no equity to remortgage with.I have heard IVA is not always accepted, i realise i have made some mistakes but i want to sort them out and hopefully get back on track, i have only just turned 25 and most of the debts have arisen from when...

Hi, I wonder if i could get some advice.I currentl have debts totalling around £50,000, these have amounted mainly due to stupidity and nieveity on my part, paying credit with credit etc. The time has come where i need to get something sorted out. Curently i have a house and the mortgage costs me £4...

Hi, I wonder if i could get some advice.I currentl have debts totalling around £50,000, these have amounted mainly due to stupidity and nieveity on my part, paying credit with credit etc. The time has come where i need to get something sorted out. Curently i have a house and the mortgage costs me £4...