Hi Andy,
We have a mortgage of £35.500 and the house is valued at approx £150.00-£155.00, do you think it would be better in my situation to borrow on my mortgage.

Thank you all so much for your advice, it is comforting to know that I am not alone. You are all right I know I should tell my wife the full situation, although she is aware of most of it, but I have always looked after the household finances (not very well recently) until I was made redundant 2 and...

Can somebody please help with advise, I have debts of 31.699 with 5 unsecured creditors and have a joint mortgage with my wife who is unaware of the debts what is my best course of action, all the sites I have been on have not recommended an iva, which I thought would be my best course of action. I ...