Thanks all for your advice, Im currently waiting to hear back from Melanies team so fingers crossed x I just wanted to clarify something, I currently have an overpayment of family tax credits from 4 years ago (took them 3 years to notice the mistake apparently)and a council tax bill. I was told by t...

Thanks again for the advice, Ive filled in Melanies online form and hope she can advise us whats best for us x

We owe £32,000 of which the NR unsecured loan is £11,000 (approx figures) We havent missed or been late on a mortgage payment tho have already defaulted on credit cards and other debts. We spoke to the debt management company one day, got papers through the door the next morning and a phone call fro...

I recently called a debt management company inquiring if we qualified for an IVA, initially we were told we do until we discussed our current mortgage, we have a "Together" mortgage from the Northern Rock, where part of the mortgage is an unsecured loan. We were told that any IVA would be rejected b...