thanks kallis 3... Never thought to try n reduce my IVA... thought it was as low as it could go... a guess a phone call is in order...

needed the kick up the ass... (understood bout the link, thanks!)

ok ok ok... thanks rayb!!!!liking the idea... Ive asked them to lower my payments and have made them aware of my situation but... I'm not on the best terms with the mortgage company as they've moved my correspondence over to the collections... i think they have repossession in mind for me... grim gr...

Has anyone got any experience with sell and rent back agreements... i have had an IVA on my name for a few (2) years now and am struggling again with mortgage repayment as I've lost my old job. I'm now self employed and doing OK but i could do with some breathing room and reducing my mortgage is an ...