Consolidating by borrowing against equity was my first course of action. But the lender refused, despite my impeccable record, on the grounds of affordability. Clearly I can reduce the deficit from £732 per month to about £200 per month just b paying off the other creditors. Obviously I would have t...

Hi I think I identify with most on here. I was also wondering whether an IVA was the way to go and would appreciate the experts views. I will try to summarise my situation. Back in 2004 I was fine. I had a package worth £53K per annum, a mortgage on my main residence of £95k plus two let properties ...