Hi again, I currently pay between £500 and £600 on my outstanding unsecured debt. 1 credit card, unsecured loan and overdraft are with my bank (Nat West) i have another credit card with Mint (RBS) and 1 with Abbey (issued by MBNA) My main reason for not wanting to go the BR route was that i was worr...

Is the house in your name only? If it is you will not be eligible for an IVA as you will not be insolvent as you will have a greater amount of equity in your house than unsecured debt. You would either have to come to an informal plan with your creditors, release some more equity in your home and m...

Hi, I'm hoping you can help me as i've stupidly reached the point again where i've got more coming out than i have coming in. I have approximately 34k of un-secured debt on credit cards, an overdraft and a loan. Unfortunately however i'm only a year down the line from being in the same position prev...