No I can't if they come round he will get even worse, I have threatened him with the police before and he smashed something else up. I need to get out of this life I am living. I am worried my house won't sell quickly for me to pay debts off. My secured debts will be paid but my iva creditors will w...

I have had enough of life. I am in so much debt, with pay plan, house on the market because I can't cope. I have a 5 yet old and I an in a domestic abusive relationship. My daughter is now talking to me like dirt like her father. The only way out of this is ending my life because as I am being remin...

Hi Debt Fairy The same thing has happened to me from the Halifax. I am on interest only however it will go up to capital & repayment at the end of September 2012, which is why I am now selling the house rather than being forced to go bankrupt or having the house repossessed. The Halifax will only al...

I have received a R40 form from HMRC which entitles me to claim tax back on savings & investments, also income tax. Well definitely do not have any savings or investments!!! so I am wondering if anyone else has received one because as far as I am aware I have had the correct income tax code. Does an...

Hi Selling my house at the moment. Have given Payplan the redemption statement for the mortgage and the statement for the secured loan. Payplan have advised me that I cannot make a full and final offer until I get a offer letter from a buyer, then they will decide how much they want from me. What I ...

Hi sll Well redemption statements on their way for the mortgage and secured loan. Spoke to Pay Plan and the amount the creditors expect to receive at the end of my arrangement is £21,600 so I will offer to pay that out of my equity. Do you think that this is a fair offer? Until they receive the stat...

I know Ginger, but I am very disappointed and ashamed in myself for getting myself in this position, in a way I am glad because I ever want to be in it again thats for sure. Was prepared to accept that my foot on the property ladder was looking to fall because of my impending mortgage hike, and rent...

The important thing to me is this experience is one of if not the most important lesson I have learnt in my life which I hope I can teach my daughter to avoid when she gets older. I am totally accountable for my debt, my fault, my debt and I would never want her to go through this, painful but impor...

Thats a good idea ginger, I would hate for her to be tarnished with my debt brush. Maybe it would be a good idea if I was not on the mortgage for a couple of years, even though I would be paying half of it and have put towards the deposit,

Thanks all for your replies. Yes I have got the ball rolling with Payplan and I can see that making a F&F before I sell is the right way to go, I have not even put it on the market yet, that will happen in a few weeks I just need to be clear what I need to pay off. One question, if I make a F&f offe...

Hi Daniel The money from my MIL is to go towards a new mortgage, not to pay off my debts, that is out of the question, the condition is that I put £20k towards the new mortgage aswell from the proceeds from my house. I am totally responsible for my debts and me only, and there is no way my MIL will ...

The £14k is what I have calculated what I still have to pay based on the figure at the start of my IVA and that includes fees and projected equity I would of have to release in year 5. Maybe I am being a bit dumb, but Ginger you said the full amount, is that 100p in the £ or the 35p in the £ I am pa...

Hi Ginger

So if I offer to pay the balance owing which is approx £14k, would that be sufficient? Can they ask for more?

This is a bit complicated so please bare with me. Last week my mortgage provider, Halifax informed me that from September 2012, my mortgage will revert back to a capital & repayment as I would of been on interest only for 3 years by then and that is the maximum length of time they will allow it . Th...

Hi everyone Thank you for your advice, I just feel so stupid and inadequate for not being able to provide for my daughter, I am 44 years old for christ sakes, and I know she would be better provided for if I was not around. I have car booted everything I can, that money goes straight into my bank to...