Hi Melanie, Thanks for your input. I have already provided the OR with copies of my bank statements which clearly show that I transfered the deposit money into my current account fom my savings account and then the deposit money is clearly shown going out of the accont. I also gave them a copy of th...

Thanks for that, i will hang on as long as possible to see what Melanie's thoughts are.

Morning Andy, Thaks for responding. Yes, we have given bank statements which show the money going in and out of my own bank acc. We have also given copies of the solicitors letters which show the deposit value and that is was paid. So all the values do stackup and it is very visual to see that I pai...

Hi, can somebody please help? My partner has gone bankrupt and we were advised by different parties that my initial 17,500 deposit money would be safe and not included in the equity of the house. I have just received a letter rom the OR which states that as the property is held as 'joint tenants' th...

Can you help? My partner is looking at bankruptcy to sort out her debts. We are not married but have a joint mortgage for one year now. The initial deposit (17k) for the house was paid by me and there is now equity of approx 27k. I have proof via bank statemnets that the deposit money was mine. My q...

I am looking to take out an IVA but am concerened with the equity clause that i've seen in many email. I currently live with my partner who is not responsible for any of my debt but is worried that the equity could be taken out of the property. I pay towards the mortgage and bills but he owns the pr...