Thanks Melanie

I guess we'll have to sit down and work things out then.

I'll get back to once we've decided thats going to be best

Thanks for all your advice

Hi Melanie

Sorry, just me being a little stupid with my calculations

unsecured debt payments approx 940
household expenditure - approx 680
household icludes mortgate, insurances, tv/dky/phone etc

My wife actually pays the council tax/water/ gas & electric.

Hope this info helps

Thanks for help so far Melanie.

Of the £1500, its something crazy like around £930 that goes towards payments on unsecured debt.

I guess that as far as the equity release goes, that fair enough

Thanks

Hi Skippy13, thanks for you quick reply. Details as follows Income approx 1600pm, expense including debts/mortgage and everything else around 1500 Yes, own own home. mortgage £85000, current value maybe around £100000 Creditors HSBC - loan approx £20000, credit card approx £1100 Halifax - credit car...

I have approx £45000 worth of debt made up of 2loans & 6 credit cards. is an IVA something that could be useful to me. at the moment i have very little left per month after all my bills go out. Thanks