Hi Eveyone I posted yesterday about my creditors and what experiences other people had with them. When I spoke with an IP company I mentioned I had a 'Together Mortgage' with Northern Rock which included an unsecured loan. I was under the impression that this would not be included in the IVA and whe...

Thanks everyone - I'm amazed at how quickly people are responding to my post.

We have a mortgage but what we owe is the same as the value of the property at the moment.

Yes, I have contacted Accuma who I have sent my paperwork too. All of the debts are unsecured.

Hi this is the first time I've plucked up the courage to make a post. Just in process of applying for an IVA - I feel so sick and ashamed of getting into this much debt (approx 56k). These are my creditors: Lloyds TSB - approx £35,000 Abbey National - £6,500 Cahoot - £2,500 MBNA - £11,000 What have ...