Thanks Melanie I don't know what the IP is doing to be honest, i was just told (by debt specialists - I've never spoken to the IP myself) that NR had rejected and that I should follow the DMP route. I get the feeling from writing this that I haven't been to clever im my dealings with them?? I said y...

It's a together mortgage, and there's probably around 25k equity.

Melanie, what alternative route would you suggest?

Thanks

I elected to go down the IVA route with 'debtspecialists'. they've advised that my proposal has been rejected by Northern Rock who are also my mortgage providers. the proposal was a monthly payment of £656 on a debt of MBNA 29000 B/card 3200 M/Stanley 7000 Halifax 1280 Barclays 12600 N Rock 26810 Th...