when i got the loans they were at such a low interest rate anyway, like 5.8% and the cards are already on a low rate for the life of the balance thing now. Im not sure just freezing the interest is enough, its my monthly home bills that arent getting paid (well they are but just onto a creditcard) b...

I have a joint mortgage with my partner which i do pay some towards, he pays most of it. The only thing is, is that it doesnt come out of my bank, i just give him the money. Will they want to see it coming out of my bank?

ok i'll do that.

thankyou

Thanks for the welcome.

I do manage to pay myself a weekly wage from the business although it only just covers the loan and card payments, ive never gone without wages.

Hi, Just wondering if anyone can give me a bit of advice please. I am £20,000 in debt, between loans and creditcards, and im not sure whether an IVA is the right thing for me. I currently have my own business which is struggling from time to time and some months i end up putting the bills on my cred...