Good idea mel, the flaw in the plan is he blew his 'nest egg' in the deposit so wouldnt be able to 'buy me out'. to be honest all i want to do is rub my hands of the place, its his investment i mearly helped in the morgage if the place gets sold cos of me he'l do his nut cos we got it in an area wit...

fair enough i didnt know exactly what work is involved, its not that i begrudge paying them just putting the money where i owe it - an no i dont really want to pay over 11 years! [^]

well il take your word for it im new to all of this and dont know the ins and outs of what they do, unfortunatley we live in a world where there are a lot of blood suckers waiting to seize there victims espesially when there at there lowest - you only have to watch tv for an hour an youl see some so...

i understand what ur both saying the investment wasnt mine tho my brother stumped the £6k into it i share the mortgage with him, theres prob £10-15k of equity before fees but half is only mine can they seize the lot? the reason i ask is not to pull a fast one and hide assets its a case of let him ke...

£5000k for fees!! jesus im in the wrong buisness - how can they justify that amount? that almost halfs the amount i could pay! can you propose your own iva or am i being daft? or ask them to freeze the interest and i split £200 between them eg £26500 divided £200 = 132 months (11 years) christ il be...

okay doke - cr15py q,3 theres four creditors, 1, mbna loan around 3.5k left (only 18months left) 2, citibank card 8k 3, mbna card 8k 4, barclaycard 7k how does this dividend thing work? not sure how the 25p is worked out. also i dont want to sound sneaky but the house abroad was put up by my brother...

hi thanks for the reply, firsly you say 'if' they accept an iva - why would they not? surely something is better than nothing, also 2 years ago my brother and i bought an apartment in spain £50k he put the money up an we split the mortgage (£150 a month each), i really dont want to go bankrupt and h...

hello there i have got myself into major debt! it was all fine to start - i was paying £200 a month on a loan (still am)and had about 8000k on cards. payments were fine (if min was £20 i was paying £100) then i moved in with girlfriend (an borrowed) then we split up an had to borrow to move out, aro...