In the current climate probably little to none, she has some estate agents coming to tell her how much they would put it on the market for, but she has been told it;s the wrong time to sell already. They already live on the breadline so finding anything will be pretty impossible.

Thanks Jan, Ironically one on my creditors sent me a cheque for miss calculated interest... Still out of mine now so all good.

Hopefully one of the experts will add some info in here.

Hi all, well its been a long time since I needed to post on here as my life is hunky doring these days. But my question relates to my poor sister who went bankrupt some time bank and has been released or what ever the correct terminolg is. Anyway the official receivers who added a charge to their ho...

Hi Til, I have only made an assumption that RBS won't give me a deal, currently I'm only on .25 above base, so what ever way I look at it I' in for a big increase!

Hi Melanie, Sue has a copy of the email now. I must admit it was sent on December 22nd so could have got lost over Christmas.

Thanks Melanie, will see if they are in my sent folder and forward them, but I will certianly be able to tell you who they were emailed to.

Thanks Tina, will do it tonight when I get home.

Thanks all, it's probably not a problem with the IP but the management company Philip Gill (if that is their name am mobile at the mo and the email addresses not saved on this) The money would be available through a third party who is willing to loan me an amount, so if it wasn't accepted it would c...

Has anyone had any experience on making a full & final offer? I could be in a position to make one soon and have requested twice by email to speak to my IP about it, but the requests have fallen on deaf ears which I'm not too happy about, unfortunately I'm never in a position to call them during the...

Hi all, well I'm in a similar situation in a couple of months from now, but hoping to do a full & final before it comes up (not that that has a bearing on it) but for me the the mortgage company First Active no longer does deals and have said I would need to get a fixed deal from their parent compan...

Hi all, quick question about buying a new house when in an IVA. Is it possible? My IVA has a equity release in year 4 and I'm only coming up to the end of year one, but I really need to get out of my flat and into a house.... Ideally I would be looking for a property of the same value if at all poss...

What if the new house is of similar price (if slightly cheaper) and the moving fees ate up any equity etc for instance if I sold my flat for 165k and bought a house in a cheaper area for 155k the fee's would probably come in around 10k, so really like a straight swap, but the mortgage outstanding is...

Hi all, IVA doing well and things are hopefully looking up. So I have a question about if I wanted to move house, has anyone done it when on an IVA. There is a clause about equity release on my IVA from my property at year 4 and what about the mortgage, can you get them, would my current mortgage su...

Great thanks Mel I know what the options are now.

£541 with a increase in year 4 to £763 after car finance is finish then there is a equity release but there is no equity unless house pricess take a rocket in the next 4 years. What if you made an offer that was lower than what they would receive from IVA? For instance with the large amount of unemp...