PLEASE HELP what should I do? Letter form MBNA offering me the option of Partial settlement-I am 80k in debt and currently gathering info together to send of for IVA. I been advised to stop all payments to my creditors by my debt advisor as I was making token payments.So I sent letters to all my cre...

I have started the process of an IVA,(86K in debt) but unsure what to do? The house is in my name.I have received a letter from my partners solicitor asking me to sign a deed of trust & agree to put a 3rd charge on the house to secure his interest in the house. He has lived there for 9 years & spent...