thanks melanie.i would have about 600 as disposable income monthly to pay.i have cotacted your office and booked to speak to you but i am yet to get a phone appointment.all paper work is ready is just to get advice over the phone privately,preferrably today although i know you are busy.

we moved in 6months ago.bought house for 300k we have interest only mort and still owe 270k on the property.
total debt is 103k

would you be able to mention the company you are using

that was my thinking bri but i guess a zero was probably ommitted.

did you mean to type 14000pounds.

i looking to go into an iva but however when childcare is considered it seems a bit tight.bankrupty is not an option has i have a very young family and it might affect some other private matters. what effect will a secured borrowing to do a final settlement in an iva have?what are early repayment ch...

there property has no equity and that was why our mort company could not help with equity release

thanks alot.that is my greatest fear and the length of it as well.i have seen people lose their house cos of this.the apr we were given were unbelievable.hope i get more people to share their thoughts

i am looking to go into an iva.would it be wisdom to make a lump sum payment borrowing on the house considerng all the pitfalls of secured borrowing such as variable interest,paying for 25years and repayment charge or just go into an iva for 5 years and come out clean. 2.proposals are yet to be pres...

hi melanie there isnot equity as such cos we only just moved into the property but they are happy to borrow us what we put in inform of deposit as the equity. we owe 74k.hsbc is owed 16500 and northern rock 20000.our disposable income is no more than 300but we thought if this bulk settlement would w...

hi melanie
knowing that there is nothing lke a joint iva,would you still be able to assist us with regards to our situation?,as we have joint loans.kindly advise further.

thanks.how true is this,i was adviced that the monies owed by my husband and i can not be added together as one,as it has to be done individually.what happens to our joint loans then?pls advice

do most ivas fail mainly because of the amount debtors are willing to pay creditors?this should be my final question for now thank you all for your help

thanks for your quick response.

i would like to be able to repay what i can afford.What is with hsbc and northern rock pls advise.