Sell or bankrupcy? all advice welcome!

toplass5

Thanks For That Will Check My Cats Policy! Well Done On The Weight Loss!

Jennie_2

Lucifer wrote: »

Just a thought when insuring your dogs, I too am with Tesco. I was quoted £14.88 a month for my cavalier king charles. I then put in the value as £0 instead of the £600 i paid for her and the premium went down to £8.57 per month.

My dog is irreplacable and I do not care about the £600 should she die, but it still covers her for accidents (3rd party) and vet fees.

Good luck tho x

That's a good idea!

Sometimes it is worth getting to know an independent pet shop who are often cheaper than the big guys. Our cats have the Royal Canin cat food and the independent shop is cheaper than the big guys.

I would hope that any good dentist would not allow a patient to suffer because of cash flow problems. Fingers crossed that they will let you have a payment plan.

toplass5

I Think I May Come Across Another Problem And That Is What If One Of My Secured Loans Do Not Give Me Permission To Sell? I Beleive They Can Do That?

tomterm8

toplass5 wrote: »

I Think I May Come Across Another Problem And That Is What If One Of My Secured Loans Do Not Give Me Permission To Sell? I Beleive They Can Do That?

If you sell your home, that should clear your mortgage, part of the other secured debts and give you sufficient extra income to be able to repay the rest of your debts.

I don't think the other two creditors will refuse given that the house is in negative equity, and so they will not realise more money by forcing reposession.

Eager_Elephant

Yes I suppose that could be a problem, I'm just wondering how much clout they have?

I will look into this and get back to you

EE

toplass5

well i am a little unsure now because i could get £170,000 for it clear my mortgage of which leaves £30k that would got to the large secured debt and leave a balance of £10k but then the other secured debt which i have never missed a payment on is still outstanding so that is £20k how much does it cost to sell a house, oh my i am so lost in all of this!

loopylass81

I'm new to the board but I sold my house privately and all I paid was the solicitors fees.

Hope this helps

toplass5

how did you sell your house privately? but i cannot sell i don't think without permission from the secured lenders how do i do this does any one know?

Lyrrad

Who is your mortgage with?, Is it interest only? How long is the term originally, and how long left. %APR please

1st secured loan How long original term and how long left %APR - who with
2nd secured loan How long original term and how long left %APR - who with

toplass5

mortgage is with Halifax and it is product code:
FRB564 FIXED 5.790% AND
HVR001 HALIFAX STANDARD VARIABLE RATE 7.25% NOT SURE. WHAT THIS ALL MEANS AMOUNT OUTSTANDING £139,923.13

ANY ONE?