Hi Melanie, Bains & Ernst have been dealing with my IVA and I'm currently on a Payment plan through them with my various debtors. I have two loans with NR one is a Together loan and the other a stand alone. Initially I understood that NR had refused the IVA due to the amount of "fee" Bains & Ernst w...

Hi Lesley Can you give me a few more details about your case. Is the NR loan a Together product (linked to your mortgage) or an ordinary unsecured loan? Do you know why it has been rejected? Would you be prepared to extend the repayment period to six years? What percentage of the overall debt do yo...

My biggest debtor is Northern Rock who have now refused my IVA twice - What can I do ?