Thank you everybody for your advise and support. I do feel more positive now. And hopefully light at the end of the tunnel. I guess I am worring now for the 4th year, as discussed there will be other factors to consider. I believe that the affordability factor in this may play a big part in the 4th ...

I have been looking at my paperwork and I signed an RX1 form. I am unsure what this is. Could you clarify. Thanks

Hi Andy, Thanks for your reply, in answer in some questions you have asked:- The unsecured amount totalled £95000. Your comment "all in one" remortgage may have to be effected purely on affordability" I am unsure what you mean by that, do you mean that if I do not fit an affordability critera, if I ...

Hi, Thanks for replying. To answer some questions you needed clarify Melanie Giles comments:- I have checked my letter from the IP's and it does state 1x Open Market Valuation and 2x Mortgage offers which would give best return to creditors. Melanie advised in response that it is illegal to apply fo...

Hi, I have an IVA with Synergi, I have just received a letter from them. Saying that in the 4th year I need to get a market valuation and 2x mortgage offers on my property. The only thing is that, I have a secured loan on the property that run for another 5 years at this time. If I remortgage I have...