Thanks for all the advice. I can certainly contact my creditors but I don't think I will have much joy. I haven't been making any payments for the past five months! I haven't been taken to court yet. I am now receivin gletters from the creditor that I owe the most too threatening court action and po...

My husband has come home today and told me that he's been made redundant. I now don't know what to do and an in shock. I had peviously contacted all of my creditors asking them to accept a 46p in the pound settlement. I am just about at the point of completion on my remortgage and I was going to use...

Hi. I am currently going through a remortgage and I'm releasing all available equity. There will be about 45K. I did consider a full and final iva but then decided to contact all of the creditors and offer them a settlement figure instead. I was hoping not to have an IVA on my credit file. Anyway I ...

Melanie. Thank you. You are a star. [:)][:)]

I will keep you posted how I get on. Thanks.

2 creditors with 5 acounts. Thank you so much for clearing that up for me. OK last question. If I contact them do I contact all five accounts seperatly or just the 2 creditors and list the accounts in the letters? Thanks.

Thanks Melanie. So I have 2 creditors? Is that right?

Many thanks. Have emailed him. [:)]

Just a quick question. I am a little confused about the amount of creditors. We are only dealing with 2 banks. Sainsburys and Barclays. However with Sainsburys we have a credit card and a loan. With Barclays we have 2 credit cards, 2 loans and an overdraft. So does this mean I have 2 creditors or ho...

Hi. Can anyone recommend a mortgage company that will deal with people with poor credit? I have searched the net and there are loads but I am guessing most are out to make as much money as they can from us with poor credit. Personal reccomendation is a much better way to go rather than lucky dip on ...

Hi. Just me again. Got a couple more questions which I would like some expert advice on please. Firstly if I was to re-mortgage then make a full and final offer to my creditors would this be something I could do myself or does it have to be done through an IP? The reason I am asking this is firstly ...

Thanks again for your reply. I was initially advised by Thomas Charles and my IP is now somebody in Wilson Phillips but I can't put my hand on their name right now. Have to admit I feel a little happier following your reply Melanie. Knowing that things like this have been done in the past and can wo...

Hi. Yes by advisor I mean somebody from a debt management company. I have 82K of unsecured debts. My house has recently been valued at 85K and I owe 24K on my mortgage. Am I right in thinking that the equity on my house is about 61K? The IP said that quick and final IVA's are only offered and approv...

Hi. Was advised that I could get a quick and final IVA by my advisor. My house would be remortgaged and the equity would be given to the creditors just leaving me with my mortgage to pay. I understood that this mortgage rate would be higher as it was obviously for a higher amount. I accepted this pr...