Thankyou for the replies, it really is helpful to know there are people that can offer impartial advice and who have been there too. i have sought advice today from CCCS who manage my DMP and they are sending some info in the post, i was advised today to close the DMP and to save for the bankrupcy f...

i am currently in a DMP, since it was instigated (2006) i have become divorced, and this was rejuvinated as a sole DMP, i am maintaining payments. family home has now been repossesed by the building society. ex wife on benifits and living elsewhere. exwife now seeking financial settlement in court e...

hi all i have emailed this post to melanie, and wonder if anyone else has any thoughts my wife and i owe about 37 thousand and currently have around 63 k equity in our house we have a 140 k interest only mortgage we are looking at remortgaging to pay off the debt but from an affordability stance it ...

could you forward details of a good mortgage broker? thanx


rob bignell

hi my wife and are currently on a DMP with cccs and are coming to the end of what we see as a reasonable period of attempting to regain our former income. there is still no light at the end of this tunnel so we have been thinking about an IVA i have sought some advice from forums and it has been sai...

yes there is an early redemption fee without digging out the paperwork i think its around 4k in the first 5 years we were told we had maxxed out with this mortgage so that clause didnt seem a problem at the time will post more tomorrow thanx rob

rob bignell

our house is worth about £200,000 we remorgaged in the summer on the recommendation of cccs witha company they put us on to for £141000 they told as the time this was about the max i could have with my earnings/age etc we dont owe to hsbc or northern rock regarding the gratuity, i have had fencing a...

we owe about 37 total i work but wife has invalidity benefit on a debt mangmnt prog at mo with cccs with disposible income of £55 but that will change as we have remortgaged saving £200 the gratuity relates to a pension i will recieve at the end of jan age 50 of £105 per moth i still have a reasonab...

my wife and i have struggled along for the last 12 months in informal agreements and with a debt management plan with the cccs, we were hoping the former income we had would return but we have waited for too long and think an iva might be appropriate now. can anyone explain please how final figures ...