Thank you very much Melanie for your advice. I really am grateful for this, I found this forum by accident and couldnt figure out how to post on the forum. I also contacted Synergi, but I have been reading bad things about them. I went to the CAB for advice and they passed me on to them. I am so gla...

We have agreed to split 50/50 but I am sure that he would consider a little more for me to be debt free. I am currently living with my parents, (rent free) I have told them of my difficulties but they are not impressed, I owe northern rock 4000 pounds (joint loan)the others are credit cards, in my n...

I have approx 40,000 pound worth of unsecured debt, my husband and I are splitting up. There is 24,000 pounds of equity, we are planning to sell and split this. I would not be able to afford and IVA as I have to rent somewhere and have a two year old and a baby on the way. Am currently on maternity ...