hi melanie and zoe, the reason i can not commit for five or six years is because of constent pain on my left leg(plunter fecitisia).in last two years i was five month offsick and sick again since april this years and may take another few months before go back to work. i might have to go to part time...

hello melanie again, i had to come back again.u said i can offer them £250 for five years and equity end of the five years.but is it possible that i will pay for two years at £250/month which is £250*24=£6000, and after two years i will sell the house and offer them final payments, (which would be r...

hello melanie, thanks for ur valuable advise.and also hello to Barrington for her advice. I think i have clear myself now which way to go.actually i was not sure whethere an iva or BR would be more appropriate for me.it seems that i would not be able to put forrowed an iva based on no equity on my p...

hi again, as i told u at the beganing it will be very difficult for me to pay five years.although i will get £15000 if i sell the house now but i have to pay estate agents feel £1500- £2000 and solicitor's fees which would be around £500. so after deducting all expenses i will left around £12500- £1...

hello barrington,i do understand what u mean, one thing i want to say,i do not want to take any iva where i have to revalue my house after four or five years,as i feel i would not be able to mantain. if i sell my house now i will get £15000 left after settledown mortgage.is it possibele to offer the...

hello melanie,glad to hear that u can propose an iva based on 25% for six years and no equity would be taken out end of the year. if i do not pay rent to my father for six years than i can manage to pay £250.i have lost most of the money due to share business in 2000-2001, although i rented the hous...

hello melanie, thanks for ur prompt reply.can u get me an iva if i am able to manage 25% or £250 every month for six years.based on no equity in my house( only £15000 roughly) so i can pay extra one year and they would not take any equity out ( if any) within those six years.for ur information my ho...

hi, i have long story for my current situation, so cut it sort, i have debts £60000, £12000-15000 from 2000 i lost in share business when i used credit card money.in 2004 august, i bought a house in norhumberland to move there but did not go there ,insted i rent it out.after five months my hse was b...