Hi Melanie, i am looking at our budget etc etc to see if we can be able to make a fixed payment every month, once again thanks for all your help

MelanieGiles wrote:

The payments really need to be fixed Joe, and if you cannot commit to a regular payment then an IVA is unlikely to be a sensible option for you.

Hi Marie... Thanks for the kind words are you in a similar situation ?

Moneystinks wrote:

Thinking about you Joe I hope you get sorted.

Hi Melanie, I see what you mean as the average rental monthly fee is roughly what we are paying on our mortgage at the moment. As i said to Ian, there may be a way of doing some overtime each month to increase earnings so that we can afford an IVA, if this is possible would the amount be fixed every...

Hi Ian, Firstly thanks for your support on this, i am already on a fixed rate mortgage and its an interest only one. There is a charge of £10k if i decide to remortgage before 24 months. At the moment and near future there will be no major changes in our income and expenditure except that i am an IT...