Mole can I ask what firm you used? A couple of IPs Ive spoken to have advised I may struggle to get an IVA with my debts being so recent.

Im speaking to an IP from Stepchange. Is there anyone who you'd recommend? Who maybe more sympathetic to my situation?

Foggy

I want it to go on an IVA...Will it go against me that it has not long been taken out? Really panacking now.

Hi guys This is the last question before I speak to an IP tomorrow, he will no doubt have the answer however I just wondered if anyone can help put my mind at ease. Ive been very silly and gambled away a full £20000 halifax personal loan last month. I haven't even made a payment on this and I'm terr...

Can I just clarify that I rent my house out that I own but do not make any money from it. It just covers the mortgage. There is no equity in this house. Will I be forced to sell in an IVA? Only asking as it will be my wife's pension.

Yes with no equity though. I really need to sort this on my own. My wife suffers from cancer so I really can't tell her or get her involved. I just hope I get accepted for an IVA

It's nice to know I'm not alone and there is hope. I spoke to Halifax who were a little sympathetic...they put me in touch with stepchange after speaking to them on Friday suggested an IVA was the way forward...however I had to check if it was ok with my job first. It is ok apparently so I was going...

Thanks for your reply. Yes I've already got myself barred from all gambling sites. I do genuinely want to put it all behind me and just sort my finances out. I'm currently back at work earning full pay with no further issues likely in the future.

Hi I need serious help. I've basically been off work for 6 months during this time I've managed to rack up £40000 of debt on gambling. I know this is horrendous! Losing small bets have spiralled! I've maxed out all my credit cards as well as taking out a £25000 loan which I haven't even made a payme...

I think I'll start by phoning my mortgage provider to see how much they will charge to change to a buy to let. There is no equity in my house so I'm assuming I won't be made to sell up.

I'm just panicking as I really really want my debts sorted. My mum just covers the mortgage payment so we don't make any money. I would basically have to set everything up at my mums. I'm really hoping work colleagues/neighbours won't find out!

A DMP even!!

I do want to add my credit cards to the iva. I'm really stuck as I'm in so much debt and I now can't see a way out. I can't risk losing my property. Will creditors go down the route of looking at council tax/utilities? Will a DPD be a better option?

Many thanks for replays. I obviously can't see my mum go on the street or risk losing my property, what if I play devils advocate and state I still live at that address, my mum who is renting my property fully understands my situation. I'll just change all credit card details, etc to that address. I...

Hi, I am very new to this site and wonder if anyone can advise me. I currently have £45000 of unsecured debt and I'm looking at getting an IVA. I own a property and have a joint mortgage with my wife however my mum rents this off us and I live in rented accommodation. Stupidly we didn't change the m...