Thanks Melanie, Going to sit down this weekend and list everything. This forum is very lucky to have you onboard and all of the other people who take thier time to try and help people. For all of those people who are desperate and think there is no way out do not worry because it's just not worth it...

Hi everyone and thanks for your reply's By renting this house I get to live here for £375.00 each month the same as all the others but I also cover the cleaning materials and run the place so basically mum to everyone. I decorate and look after the house so the landlord is happy for me to stay here ...

Hi guys!!! I have I think I need to enter into an IVA but don't know where to start!!! I rent a large house and sublet rooms which I have done since my divorce seven years ago. Always have the worry if a room becomes empty that I have to cover everything to meet the shortfalls and now in the last we...