Hi and thankyou for a prompt reply. I currently have £24K equity in my property but do not want to sell at this stage. My daughter and I have been through enough with the divorce and although I put my hands in the air for where I am some stability would be useful over the next couple of years. Curre...

Hi, I am currently considering an IVA - debts of £108500 so things not looking pretty. One of the issues that I can't get my head around is the situation with my 2 current endowment policies. If I sell (not surrender) them now I would realise circa £40K. One is due to mature in 3 1/2 years time the ...