Thanks Melanie, I can never explain what we are going through, from anxiety, to constant worry! - We got in debt and made some silly errors many years ago so we were advised that we should do an IVA, we was in this for over 18 months and we found that we had some equity in our home so we was going t...

Not sure if anyone can help - we had some debt in the form of an IVA -the IVA practitioner advised that we could satisfy the IVA early by remortgaging. We found a broker and remortgaged based on the house valuation - at the time we thought the valuation was high but took it as gospel listening to th...