well there you are the opinion of the forum was to speak to my ip provider and discuss my outgoings with them and maybe renigotiate the payments so for the third time i have sat in and waited for them to phone as arange so there i was 5 oclock they said they would ring 5.10 had i missed there call 5...

hi there advice needed ,when i put forward my income to my iva provider should i have left out my child benifit or included it.
i know i might be a pain here but i am drowning and my ip company is ringing me to discuss it

thanks the position is clearer now

ok i might have phrased the question wrongly the quetion i was asking was by taking an iva i put myself i th e position that if i am unable to make the payments on my iva the iva provider can put me into bankruptcy whereas the credit card company debt is an unsecured debt so they couldnt claim again...

ok i might have put my question wrongly if i explain it this way it is my understanding that by entering into an iva i then place myself in a position that if i fail to make the payments on my iva the iva provider can in effect force me into bankruptcy which would cause me loose my house wheras a cr...

nobody seems to have given a clear answer to my question if my house couldnt have been taken away by the credit card debts which were an unsecured loan was i wrong in changing to a secured loan.and as for paying off creditors lets remember that all you really want to do is find a way of stopping the...

if my debts were all unsecured ie credit card debts etc and the main reason i took out an iva was that i believed that an iva was the best way to protect my house. have i done the wrong thing in taking out an iva when really nobody could have taken my house and i have now changed that for a secured ...

are credit card debts classed as a secured loan or unsecured

can someone tell me the differece between an unsecured loan and a secured loan.
also if you have an unsecured loan does this mean if you fail to pay it the loan company cant take your house away

in answer to the question i have no equity as to the interest only my mortgage company was northern rock my fixed rste ended and my payments went from 600 to 765 tis along with all the other increses ie electric gas council tax etc is causing me real problems .i have tried talking to blair endersby ...

if my house is in negative equity and i cant afford the payments on both my iva and mortgage who would benifit from makeing me bankrupt and in this present climate would any body bother

i have heard that credit card companys could not make you bankrupt for the money you owe on them could anyone confirm this for me

hi
in practical terms can somebody explain to me what my wquity payment would be if i had no equity in my house or if my house was in negative equity

hi like everybody else i would imaine i have just recieved the letter from the building society. that informs me that my cheap mortgage has gone up the swanny and i hve to up my payments by £125.00 per month i was allready struggling now i am drowning any advice my iva is £450.00 per month and iam a...

i want to try and pay off my iva with a lump sum iam one year into it and currently paying £465.00 amonth with a potential £10,000.00 payment at the end from the equity in my house my thoughts are that if i could release some of the equity now icould probably end my iva with a lump sum payment any t...