Hi Thanks for this. I have just phoned Northern Rock to tell them I am obtaining balances for the other creditors on Monday and the lady in their litigations dept said she would note this and hold on any action, at least until I get back to them Going back to IVAs What sort of equity amount would th...

Hi I have 55k debt, 5k Northern Rock personal loan 13k Northern Rock personal loan 2.5k HSBC overdraft 7.5k visa 27500 HSBC personal loan I have been ringing round for advice and thinking of an IVA. Are HSBC receptive to them? What chance is there of not having to release equity as my partner knew n...