Hi, I'm in the 3rd month of my IVA and have had the mortgage on my flat increased by £300 pcm. I have asked the mortgage company to reconsider as I am not able to afford the increase but am able to afford the previous payment but they have refused to reconsider as I am also paying off some mortgage ...

Thanks for all your advise. I have considered bankruptcy but now sure of whats involved. I had a joint property and recently changed it into my dad's name as I couldn't even afford the ground rent and maintenance charges! Would this be questions? There is no equity in the property but as i couldn't ...

Thank you all, site's been a great help!

Thanks Emma.

I'm with a company called DebtFixers, can't remember my partner's one.

I've just come across this site today so we'll be going through the site later. Can't believe how much advice is available!

Thanks! [:)]

Thanks for your replies! [:)]

I'm new to this forum so would you be able to tell me how i can contact Melanie Giles?

Thanks!

Hi, My partner is in the process of setting up an IVA - or has been attempting to since October last year! He has constantly been given excuses of why the creditors meetings have not taken place - none of these are related to the creditors! The recent one being - there has been a significant change ...

I am in a debt management program but really wanted to apply for an IVA. I have a total debt of over £40k and can only afford to pay about 200 a month. The co i am dealing with said that as £14k of my total debt is owed to Northern Rock I cannot apply for an IVA. However have Northern Rock's positio...