Hi all I've worked out that I could claim nealry £3000 in bank charges from the last 6 years, but I'm wondering whether this is advisable considering that my bank (Lloyds TSB) is one of my creditors with an overdraft of approx. £4000. I'm nearing my final decision to go into an IVA, and would like t...

Hi all I'm looking at entering an IVA shortly and have contacted a couple of different IP's. I've received a couple of bits of conflicting information about the equity release in year 5, and wanted to clarify things. One party is saying that 75% of any equity needs to be released in year 5, regardle...

Thanks everyone. Including a secured loan I already have, my loan to value ratio is 85% already, so I'm thinking that unless I pay a huge interest rate it doesn't look like I'll be able to release any more equity right now. It's tricky to know the 'best'way forwards, with different people having dif...

I have unsecured debts of just over £46k, and have fortunately just secured full time employment which will give me a monthly surplus of around £200-£250 from the end of April (although that's beyond tight!). I've spoken with the Consumer Credit Counselling Service who are advocating taking up a Deb...