Hi Lily, I have today spoken to someone form Thomas Charles and must say we had a grown up converstion for the first time. The other two companies just asked for figures and then dismissed my case with some flimsy reason. This lady gave me a chance to explain my situation as it is and sought clarifi...

Hello freelili and debtdummy. Thank you for your advice. It makes a lot of sense. After recalculating my figures and talking to the mortgage lender to switch my payments to 'interest only', I seem to have over £500.00 left over. That is, after deducting all that we need to live on as well as hps.My ...

Hi freelili What I meant was that after paying all our debts - ie mortgage, loans, credit cards, living expenses tc, we remain with nothing and sometimes we struggle to cover evrything. Which is why we were hoping for a way in which we can get most debts together and make affordable payments. Having...

Would debt management plan be an option for us?

Thanks for the reply Melanie. We own a property but have no equity to release. I have recently taken up a second job - so has my wife. But we feel it will be a long time before we get things under control - if at all. The pressure of being hassled is overwhelming and we are increasingly finding it h...

I have just been told that my wife and I don't qualify for IVA because we have negative our disposbale income - which is exactly our problem. We owe about £35 000 and both work full time. Can anyone advise please! We feel so hopelessly desperate.