now i have just spoken to a second company, who suggest a debt management plan until I can get on an interest only mortgage as our mortgage is 45% of our income and iva won't accept this?? I'm even more confused now than ever, waiting for melanie to contact me and hopefully, I'll have a clearer pict...

we do own our property, it's value is approximaely 15000, with 135000 owing so not much equity and we certainly couldn't remortgage as we don't have the income coming in to warrant the amount of mortgage. I'm on the phone now to one company (on hold!) not sure who else to call but will definately no...

I will contact 2 or 3 companies as advised, thanks for that. Debts 48,150, disposable income after all essentials, £400 approx. Please let me know what you need to know I'll gladly inform you as I'm so bothered by this right now, HSBC is who we owe the money to, is this one of them playing hardball ...

Hi there, I've been reading this forum for a couple of days and already gathered some pretty sound advice and decided today is the day I sort myself out. We're a married couple with hugh financial debts, buried our head in the sand for too long, borrowing off Peter to pay Paul and it's finally caugh...