I will do thanks.

Michael

Thanks for all your answers, To respond to Size5, I think we could possibly be in negative equity as we bought our house 2 years ago for £150,000 and with the prices going down I would say it is probably worth between £140,000 - £145,000. Thanks for the links, I will contact an expert and seek advis...

Hello, I need advice on wheather i should apply for an IVA or not. I''m married with a mortgage and got a baby on the way and am really struggling to meet all my bills each month (i haven''t missed any payments yet). With the baby comming and overtime being stopped from work i can''t see how i can m...