HI I'M NEARLY 2 YEARS IN A IVA PAYING 331 A MONTH BUT JUST HOLDING MY HEAD ABOVE WATER JUST,BUT MY MORTGAGE PAYMENTS HAVE SHOT UP AN EXTRA 200 A MONTH WHICH IS A JOKE AND WHEN I WENT TO SWAP PACKAGES I,M WITH NORTHERN ROCK THEY DECLINED ME SO I,M IN NO MANS LAND ANY IDEAS MANY REGARDS

i'm in a iva(nearly 2 years in paying £331 a month with freeman jones oweing arounf £26500) my question is there's been talk of a early finsh but using my home equity but because i jointy own my home will they take half of the equity or just half of my share of the equity if thats the case couldn't ...