Hi all, If a lump sum full and final through sale of my property were to be accepted by creditors and I were given 12 months to sell the property, (no disposable income as out of work at mo and trying desperately to get employment but no joy so no chance of me doing 5 year IVA). Could, if my circums...

The trouble with re-mortgaging will be that I cannot at the moment even before starting the process of applying for an IVA due to my already bad credit rating and this is with a mortgage company that I have had a previous excellent credit rating with even before going for an IVA, and if I were to re...

HI, Just another question I forgot to ask. If I get accepted into an IVA and my current mortgage is interest only and a rate tracking the BOE base rate. what happens when my mortgage payments go up (as they are likely to as its rock bottom now).This is an ongoing mortgage rate (not fixed) and not fi...

Hi again Melanie, Haven't spoke with an IP yet but I will. I am just trying to gain as much onfo from this site as I can even before speaking with an IP so I know what questions to ask etc and be really clear on things thats why I appreciate any advice given.I want to go into something without any '...

HI, I've posted on this site before and find the information that you give invaluable as to my debt solution problems. I am considering going for an IVA but am confused about a few things. I wonder if I could trouble you again for your advice. My scenario is I owe 75k in unsecured dents. I have a mo...

Thanks for all your help Melanie and David. If there is anyone else out there on the forum who has had their IVA term extended due to non availability to release equity in 4th year can you let me know what happened in your situations? Or if you were able to release equity then how did/does it work w...

Thanks Melanie. Sorry, one, maybe two last questions! Gosh you must type quickly! Would that then mean if I could not re-mortgage then that my IVA could last 6 years and not 5? Is this usual? or what I mean is this commonplace for people who cannot remortgage (as I should imagine that there are many...

Hi, Thanks for your help so far. Just a few other questions if you don't mind! If it may be possible to put an IVA proposal forward for me based on the equity that I have in the property then what when it came time to re-mortgage and release finds I am not able to do so? I am mortgaged to my full ca...

Hi, Been reading the posts on this site and they are full of good advice so hoe you don't mind me tagging along! My question is:- I'm considering my debt options at the moment (and haven't got that long to do it before BR may be my only option) so I hope that someone might be able to advise me. I ha...