Thanks kallis, I originally posted in that area but will drop an email to Ryan as suggested. I used to post as soreloser years ago when I was with cdebt who did a grand job.

I'm a year out of my IVA now and although all the unsecured debt has gone, I am still saddled with a £125K repayment mortgage and a secured loan on which I owe £59K. The APRs on these are about 4% and 9% respectively. My Home is worth about £230K, and I am 55 years old. I am trying to get my outg...