Viki, Thank you again for your help and for cross posting for me[:)] This advice has made me feel a bit more positive in going ahead with buying a house. I've seen a suitable one in our price range but am still at the negotiation stage. Wish me luck and hopefully it will be a new start for us as a f...

Thank you all so much for your kind words[:)]
He's already spoken with one Insolvancy Practitioner and he's now saying that he does'nt qualify for an IVA as he's not earning enough. He's a self employed carpenter.
I feel a little better already knowing that I'm not alone. Thank you again !

Sorry, forgot to post that my husbands debts are over £50k

Hi Viki, I'm afraid there is no way my mum would actually hand over money to us, because of my husbands past history. But she is prepared to buy a house for me. My husband has had help from family memebers in the past to clear debts, but he does'nt seem to learn. I must point out that these debts ar...

Thanks for your response Viki. Just to clarify, my mum would buy the house out-right.....no mortgage invovlved. She says that she's giving me my inheritance now so that she can at least see that I am settled and not going to end up homeless.She is reluctant to buy the house in her name as this would...

Please can someone help with this? My husband, who is self employed has a serious amount of debt. He is reluctant to go down the IVA route and is convinced he can sort the problem out himsef. We lost our family home in the 1980's, again due to his business failing and since then have lived in privat...