Thanks Simon,most illuminating
both myself and husband are in a iva with Freeman and Jones and have a joint mortgage (interest only) which ends in Jan 2018

thanks for reply it eases our worries

Thanks for your reply it makes me feel a bit easier

Contacted Freeman and Jones myself after no reply for over a week The debt has a unproven element of fraud and cannot be entered into my IVA So need advice on what could happen next Will all creditors in my IVA be 1st in line to any monies raised? ,then if that's the case and with my wifes equity th...

Regards Julie

Freeman and Jones

Have also asked for extension,but because Topaz are one of those nonbank/buiding society they say no chance
This all started 10 years ago with GMAC self certification(self employed)and Topaz is the 3rd company we have been passed onto,and none of them have been interested on how we repay the capital

Went down the road of paying capital by selling house and understood risks,but needs must etc
But if I sell while still in iva I would lose what equity I have and been wasting my time being in iva?

My IVA will finish in approx. 4 years
My intrest only mortgage has only 2 years to run
I reach retirement age in 2 years
I have kept my mortgage payments upto date
Will I have to sell my property before IVA finishes to payback the capital owed to lending company(Topaz part of RBS)?