Thanks Melanie, thats encouraging. I will see where I get to with the informals and then look to another pratictioner, i assume ther are links to recomends on this site somewhere ?

regards
Nigel.

You are correct it is Northern Rock and yes my partner was to contiuue the payment of the joint unsecured loan, this was refered to in discusions with NR but not detailed in the proposal. I am awaiting feedback on the informal propsals at present, I havent researched SIVA's yet but will do so now. I...

hi I have been advised that my iva has not been accepted as I only achieved 60%. The issue was with just one party who would not agree full stop, but theirs was the largest debt. What I cant understand is that this particular debt was a joint loan which i had no intention of defaulting on and was go...