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  4. Hi johnny,
    Is property clause appropriate? and
    Home equity clause the same thing or
    What is the difference.

  5. Hi Johhny,
    I have agreed an iva proposal with payplan 5 years ago feb 2009.
    I have paid £380per month last 5 years.
    I have offered £420. per month for next 12 months for equity release year.
    I tried remoorgate my flat and rejected twice.
    In my proposal say it is a protocol compliant iva.
    My equity is very high more than 85 percent.
    I have asked them where abouts of my home equity clause
    They say it is not there and theycan not included after 5 there any way to restate the home equity clause?

    But I have noticed a small print in my proposals says:
    “Is property clause appropriate?yes”
    I do not understand the meaning of this yes and property clause.
    Payplan compliance department has started deal with my concerns now.I have not heard anything from them last two days.There is a big silence which worries me if creditors reject my proposal of paying and force me to sell my property.
    What do you advice.

    • Hello Alexander, many thanks for visiting my site.

      I have passed your queries onto somebody who has a deeper understanding of IVA’s.

      Have you by any chance done a land registry search on your property, to see if the IVA company holds a charge over the property?

      Would you also be able to send me a clear copy of your IVA agreement? If so please send to jd(you know what goes here, hint “AT sign”) Sorry for the code, I get a lot of spam.

      • Hi Jonny,
        Thank you for responding to me.
        When I sign iva 5 years ago I was asked to sign and return a document which allows iva ip to put a stop in case of I would like to sell my house.
        I have not check with land registry if they applyed on my flat yet.but
        I can check.
        Why is important this could you explain please.

  6. Hi Jonny.
    I have been to land registry site.but how I know if iva has put condtoon on my flat.
    Many thanks

  7. 54,200 invested in SIPP. Company proposed a CVA which was accepted. Is there a minimum percentage that any creditor can expect as is not clear on arrangement?

  8. Please can you help with an imminent eviction. I don’t think the warrant is valid and would like to stop this going ahead.

  9. Hi,

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    waiting for your kind response,


  10. Hi Johnny,

    Hope you’re well.

    I was looking for a contact email address as I wanted to let you know about a brand new piece of content we’ve created that explores spending habits in the UK and how they’ve changed over the decades.

    If you could point me in the right direction, I’d really appreciate it.

    Best wishes,


  11. Hi i was wondering if you would be able to help me as ive had ongoing problems with my hosuing association for rent arrears due to housing benefits they have tried to evict me several times and I’ve filled n244 form and went to court and its been suspended due to a battle wuth my council with missed payments anyhow all the notice of evictions I’ve had beforw have had a county court stamp on the letter but i have recently had another one sent through the post ànd it’s same as previous one I’ve had but it hasn’t got the county court stamp on it this time so what does that mean is it not actually real

    • Sometimes in the past companies/organisation would send out court documents to scare people into making payments etc. I think that probably the best way would be to contact your local courts and get confirmation from them to see if it is real??

  12. Ok thank you I’ll shall ring the courts also I had moved in to my house in 2012 and it was my first property and I came from the homeless list and was pick by the housing association and i was given a 12month introductory tenancy and was told I will have a new secure tenancy after the 12months and I’ve been here 5 yrs and I haven’t got anythin where does that leave me

  13. Hello Johnny,

    We’re interested in advertising on blogs, like Johnny Debt.

    Are you able to let me know the different advertising options you offer? We’re specifically interested in guest posts.

    Thanks for your time.

    Alison Hedgecoe

  14. I have read your website in relation to the EX96

    I am in the midst of taking legal proceedings against the bank and would like some insight into EX96.

    Could you call me so that I can discuss the issue in some detail.

    Kind regards

    Chandresh Chauhan

  15. Hi Johnny! your contact form won’t load and I want to contact you about ad spend and content marketing. Can I get your email or can you email me? thanks!

  16. Hi,

    This is Alina jovia who is guest author for past 4+ years. I have penned a lot of articles on many real sites for my private set of clients on various niches.

    I just came across your site,and noticed that its well suits for our requirements.

    Really interested in getting my posts featured on your blog. May i know, how to proceed further? Awaiting!!

    Best regards,


    • Many thanks for visiting my site.

      Please be advised that the site is currently not accepting free guest posts. However, if you wish to place a paid for post or any other form of advertising we would be willing to discuss this with you.

      We currently charge £50.00 or $64.00 per year.

      We look forward to hearing from you again in the near future.

      Kind regards


  17. Hi, I would like to a paid post on your site Please let me know it is possible.

  18. Hi There,

    We are interested in posts for our clients in finance and money in the UK.

    Is the rate still £50 per article? We have 2 please.

    Thank you,

  19. Hi Johnny,

    I’m looking to feature a post on your website, would it be possible to have your email address so we can discuss detail/subject matter? We are a money saving website.



  20. Hello,
    My name is Lucy Smith and I’m a copywriter.
    I’m reaching you out because I would like to know if there is any possibility of publishing my articles (which include dofollow link) on your website.
    In exchange, I could offer you a financial reward.
    Can we talk?

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