Hi Andy sorry its taken a while to reply I only just saw your response. To be honest I dont really understand anything about bankruptcy, ie, what exactly is involved regarding my property and if I would have to make any payments afterwards, if so for how long and what effect does it have on my credi...

erm.... not too sure regarding the fees to the IP, the propasal says they will clim the fees through my repayments. I dont have to pay them any money upfront. i've got approx 6k equity, purchased flat at £131000, mortgage was from northern rock at£123k, £26500 was unsecured "top up" i have a 4k earl...

its a together mortgage package, and its only 18 months old. I have asked my IP about NR's track record, but have been told that although they are difficult shes sure an arrangement can be made!!

Thanks for this i had visions of frowning bowler hat wearing "officials" glaring at me shining tha spotlight of shame onto me!

I finally bit the bullet signed the IVA proposal paperwork, and have been informed my meeting is scheduled for the 30th July. I have been asked by my IP if I wish to attend the meeting (im going with Clear start) Is this normal? Should I go along or not? Has anyone else actually gone along to your c...

Thanks for this. Sounds so simple!! im currently dealing with clear start, but think ill try one of the companies on here as a comparison

Thank you for this advice, Im at a loss where to go to get impartial advice about what to do for the best. I know ultimatly only I can make a decision on IVA or BR. I guess I need to see it in "idiots" terms drawn up to reflect my exact circumstances. Yes MY IVA proposal includes a brief summary- bu...

Im in the process of setting up an IVA. At this moment in time I have a boyfriend of 9 months (we plan to get married some time in the near future, the only thing stopping us is FINANCES!!). whilst we dont live together right now, we plan to sooner rather than later. If he moves in with me he will o...

it's only 2k. which in the grand scheme of things isnt a lot, but he only earns 1200 a month and has bills rent and travel to pay. plus my debt is so large!

Thanks for this, at least it gives us a basis to start from. Its a bit complicated as I dont think his debts are more than 5K on his own. The problem comes as my debts amount to approx 68K and Im currently taking out an IVA, well debating between that and BR) My IVA details went through before we fo...

Im not sure if this is the correct place to post this, but im looking for some advice. My partner and his Ex had a joint debt management programme. The debts that went into it were joint debts but unfortunatly a lot were in his name solely as she wasnt able to take out any credit. She has now malici...

Yes, I think?????

Because i have a fixed rate mortgage it will cost me £4000 to remortgage earlier than in 4 yrs time.

Surely if Im not going to gain any benit from the value in my increase would I not be better filing for BR and renting??

Thank You Melanie. Do you have any additional advice whaere I can go to to find out if IVA is suitable or if BR would be more appropriate. As part of the IVA I have been told i will have to remortgage my flat in 4 yrs releasing any equity to the creditors. Im confused about this, especially as I pur...

I recieved my IVA propasal today, all they are offering my creditors is 16p of the £ after reading others posts im terrified that it will be rejected. If this is the case im not sure how to proceed??

i currently owe £68K, and earn £1763 a month, with a disposable income of £350