Hi, think I need to speak to Melanie for clarification

Oh no ....I don't think I can go through another 2 years. Sometimes wish I had gone bankrupt !

Sorry to sound stupid, but I had a letter through saying I have to get 2 valuations on the property within the 66 month to re-mortgage (I understand this). But, it is all very confusing, I was under the impression that after 72 months the IVA would finish.

Just checked my IVA Arrangement and it states 72 months, so does that mean I will have an additional 12 months on top of that too !

Hi luluj, Yes, I think it will be another additional 12 months. If a remortgage is not possible, do you think they would accept a F&F offer ?

Hi,
Just finished my 5th years and now have to remortgage, a bit worried as to who will offer a remortgage to someone with a bad credit history ?

We have debts of £94k (I can't believe it either), some in are own names and some in joint names. As most of my debt is with the TSB around 84% and one of the loans is under a year old, I have been told that I cannot go down the IVA route, I need to look at a DMP, BR is out of the question. But, my ...