Hello and many thanks for the information from all of you - I am interested in the remortgage idea (if Abbey turn me down for £6000 I would rather pay the next 13 years interest to another company) - I will make some enquiries as to interest rates during the next week. My son lives at home with us a...

Hello - I entered into an IVA in December 2002 and I recieved my Certificate of Notice of Completion dated 29/11/2005 - I have just tried to get a home improvement loan added to my outstanding 13 year mortgage (the mortgage is for £22000 and the equity in the property is £80000) - the extra amount I...