Hello, Could we offer a F&F payment from the outset ? We don't have much spare money at the end of the month so not sure we would be able to manage on a monthly payment. We do have enough equity in our property to clear 50k debt but we can not afford the monthly mortgage payment if we did that. What...

Hi, We are considering an IVA but really hope to be able to hold off until March 2008 when we can change mortgage lender and possible do a F & F ? Anyway, does anone know of a good IVA Company ? Don't know whether to go with a local company (but worried they might know us or someone connected to us)...

any idea what we could realisticly borrow on joint income of approx 30k ?

Anyone know anything about Sell and rent back companies ? Really would break my heart to have to leave my home - its nothing much but its ours and our children are so happy here. Didn't know if anyone out there has any experience of this ?

think the broker put down that we earnt 6ok between us.

Thanks everyone for all your help - I just need to feel brave enough to do this !

does this mean that we will have to stay on our current interest only mortgage for the next 6 years if we are unable to change lender once the deal ends ? can't bear the thought of losing our home - think we may end up divorcing if we have to move back with parents !!!

thank you - I may give them a call !

Thank you for your advice - We were advised by a Financial advisor to go Self Cert as out current saklaries would not have got us the mortgage we needed but we had the necessary deposit to enable us to go Self Cert. Seemed a good answer at the time but now we are worried that we will not be able to ...

Hi Debbie,

thank you so much for your help and support - I feel pretty rubbish at the moment and you have helpe me to remain positive ! i am planning to try to see an IP next week if possible and actually take the first step to getting things back on track........

That sound sensible ! I have spoken to our mortgage Broker and he is not too keen on IVA's but we feel that its the best option for us. We really just need to get out of this situation and keep the roof over opur children's heads. we are going to sit down tonight and go through our debts thoroughly ...

Does anyone know if Accuma are any good ?

Oh, i didn't know that you coudl use equity to pay off ? I think we have about 20k equity so don't know if that would be enough ?

Hi, We are currently considering an IVA as we are no longer able to make our minimum monthly payments. We owe in the region of £54000 but I just wanted to ask a couple of questions. Firstly, should we wait to take out the IVA until we are able to remortgage in Feb 2008 in case we are not able to get...