melanie
Thank you for being candid.

Thanks Storm I think i will have to pay the entire amount and try and claim the charges back through other routes. I better get in touch with my other criditors and make them an offer quick. Any idea what the usually accepted offer to make on a full and final settlement? again many thanks for your a...

Thanks Andy Thanks for your constructive help as some members think it is a good idea to sell your family home to clear your debts. I think the best way forward is try to do a deal with my creditors on a 121 basis and keep the cahoot loan running i can just about afford the payments on this one. Any...

Can i buy myself some time by contesting the amount of the judgement? They have added £2500 in late fees and charges in the last 12 months,do you know if this is this something the court will take into account?

[I have 10 days left to respond to the claim.
It hasnt been heard in court yet.

Hi ALL I have a pending CCJ hearing in 10 days. I have borrowed the money to clear a lot of my debt but would like to offer a full and final payment to avoid a CCJ and make this loan go a little furthur with repaying my debt. Do i make the offer to the court in the form of a letter or do i contact t...

Hi No,because you need to be insolvent to enter into any type of IVA. Why do you not consider paying some of your unsecured debts off to leave yourself with a manageable monthly payment to service. I presume that you have the 19k in your bank,if not and you have still to finalise the remortgage the...

even though i cannot get to the equity? Can i not take out a monthly IVA rather than a Lumpsum then look to release equity in 5 ears time when my position is better?

Hi All
I have just been told that as i have more equity in my property than my debt i cannot quallify for an IVA.does any one know if this is right?

My Mortgage is 140000 on a property of 180000. My wages will not allow me to borrow any more than i already have.

PS i have a pending CCJ hearing in 10 days that i would like to postpone untill i get the correct advice,
does anyone know how i go about this?

Oliver I have visited your site and your previous customers seem very happy. I have looked through your services but cant find any reference to lump sum IVA's, Is this something that your company could help me with? Brief details are: 10K Llyods TSB trust card (3K Bank charges) 4K Lloyds Current acc...

Any IP should be able to propose a Full and Final settlement for you. The best thing to do is contact 2-3 companies, the ones on this site would be a good start and take it from there. Best Regards Oliver Thomas Charles and Co Ltd. Experts in personal debt solutions. Read customer feedback at: www....

Can anyone advice on the right company to deal with a lumpsum IVA.
There are so many and i have heard some horror stories.
Really do not know what way to turn!!!
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