Thanks for the advice - now resigned to another 12 months - hope that means the end of it - they presumably don't continue the equity business if you do another year of payments ??

Thanks for the advice - think I will go with payplan and get a second opinion if I think it is way out

Hi
Need a house valuation as in 54th month. Payplan has said they can arrange and cost can be added to IVA I am not sure how independent this valuation would be but also feel guilty getting estate agent round under false pretences as I have no plans to sell. Would be grateful for advice

Hi Melanie
My mortgage is for £101000 and the house is worth £135000.
Does the deminimis clause apply ??