Could I just ask another question, if you are living in a room at your parents house and a bailliff were to come (I hope this never ever comes to pass), are they only entitled to enter your room or can they lay claim to any of your parents things just because you live there. Thank you. Hi Melanie, f...

Hi Melanie, finally plucked up courage to set everything down on paper and e-mailed it to you the day before yesterday to your Cardiff e-mail address. Hopefully, after you've read everything if you think you can help,please email me and I will then phone you and instruct you. Crossing all my fingers...

Hi - thanks everyone for so much good advice - I really am at my wits end and it is good to know that there are things that you can do. Melanie, I read in one of your replies to someone else that if a family member were going to lend you the money, they would have a year to raise it - is this correc...

Thanks so much Melanie for your answers. If you make a full and final payment is it in an IVA and does it work the same way, i.e. do all the creditors have to agree or do you approach them all separately. If you make an offer of full and final settlement is that the end of it? Thanks so much Hi cf Y...

Hi cf Ang is absolutely correct in her explanation of mutual and interlocking IVA's. Have you calculated for IP fees in your 30% calculation as these are likely to between £4,000 and £6,000? And do you owe anything to either HSBC or Northern Rock - who have acceptance criteriae of between 40% and 5...

Hi, Can you have a joint IVA with your husband? If so, if someone in your family is prepared to lend you both a lump sum to make an offer to your creditors and then pay the family member back - is this acceptable. Would it be about 30% of the debt? If you went down this route would you both have to ...

Hi, I have been out of work and have been in my new job a couple of weeks. I want to enter into an IVA and can't hold out much longer. Do you have to have been in work a certain amount of time before you can apply for an IVA or do they need you to be in work